We would like to remind our members that TowneBank will be closed on Monday, May 28th, in observance of Memorial Day. Thank you for choosing TowneBank!

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Personal Online Banking

Who is eligible to enroll in Towne-Personal?

TowneBank personal members with a checking, savings , CD or loan account may enroll in Towne-Personal.

To open one of these accounts, please contact your hometown banker.
How do I enroll in Towne-Personal?
Before enrolling you need to have an account with TowneBank. For information on opening a new account, please contact your hometown banker.

To enroll, visit our online enrollment form and fill in all of the fields. If the information you provide matches what we have on record you should receive a notification within one to two business days that you may access your accounts through Towne-Personal.

In order to protect your security, if the information we have on file is inaccurate it may delay your enrollment. You may want to contact your hometown banker to make sure we have your most recent address and telephone number.
What should I use for my username and password?
Your User ID must fit the following criteria:
  1. Between six and 20 characters in length
  2. Contain at least one letter or a combination of letters and numbers
  3. You may also use special characters including - @$*_!~
  4. Your User ID cannot be the same as your social security number or TowneBank account number
We recommend that you use a unique combination of characters for your password. Avoid using social security numbers, birthdays, addresses or family members’ names as these are easy to decipher by fraudsters. Your password should always be kept private. A TowneBank representative will never ask you for your password.
Why am I prompted for a code upon login?
We use enhanced multi-factor authentication to provide an additional layer of security to make it more difficult for fraudsters to access your accounts.

This enhanced protection uses both your password and a one-time verification code that you receive outside of online banking through text, voice phone call, or email to access your account. Even if a fraudster managed to steal your password he or she would be unable to access your account without your registered device or a one-time verification code sent only to your pre-determined phone number or email address.
Will I always need a one-time verification code to login?

Not necessarily. You will only need to obtain a one-time verification code the first time you attempt to log in from an unregistered mobile device, desktop or laptop computer. If you are accessing your account from a private device or computer that you regularly use, you will be given the option to register that device. If your device or computer is registered, you should not be prompted for a one-time verification code unless you change they way you typically login with that computer such as using a different browser.

I thought I registered my computer, but I’m still prompted to get a code. What do I do?

More than likely you have not enabled your browser to allow cookies.  To avoid receiving a code in the future, you must enable your browser to allow cookies and then register your computer. If you are having trouble changing this setting in your browser our eChannel Support team can help you Monday-Friday from 8:30 a.m. - 6:00 p.m. They are available by phone at 844-638-6714. Or use the steps outlined below:

Google Chrome
Step 1: Click on the three stacked lines on the right side of the screen and select 'Settings'.
Step 2: From the 'Settings' menu select 'Show advanced settings' at the bottom of the screen.
Step 3: From the 'Privacy' menu select the 'Content Settings' button.
Step 4: Select the following from this page:

  • Cookies - Allow local data to be set (recommended)
  • JavaScript - Allow all sites to run JavaScript (recommended)
  • Pop-ups - Do not allow any site to show pop-ups (recommended)

Safari
Step 1: Click on the 'Safari' menu in the top left hand corner.
Step 2: Click on 'Preferences'.
Step 3: Click on the 'Privacy' icon.
Step 4: The option to 'Block Cookies' should be set to 'Never'.

Internet Explorer
Step 1: Click on 'Tools'
Step 2: Select 'Internet Options'
Step 3: Click on the 'Privacy Tab'
Step 4: Click on 'Advanced'
Step 5: Put a check mark next to 'Override Automatic Cookie Handling'
Step 6: Select 'Accept' for 'First Party Cookies' and 'Third Party Cookies'
Step 7: Put a check mark next to 'Always Allow Session Cookies'
Then Select 'Ok' and 'Ok' to close the 'Advanced Settings'  window.

Mozilla Firefox
Step 1: At the top of the Firefox window, click on the three stacked lines and then click on 'Options'.
Step 2: Select the 'Privacy' panel
Step 3: Set the 'Firefox will:' (dropdown menu) to 'Use custom settings for history'
Step 4: Make sure there is a check mark next to 'Accept cookies from sites'
Step 5: Accept third party cookies to 'Always'
Step 6: Click 'Ok' to close the options window. Then click on 'Close' to close the Preferences window.

I am having trouble accessing bill pay. What do I do?

More than likely you have not enabled your browser to accept third party cookies.  This setting must be changed in order to use bill pay within online banking.  We have provided instructions for popular browsers for your convenience. If you are still having trouble, please contact our eChannel support team at 844-638-6714, available Monday - Friday from 8:30 a.m. until 6:00 p.m.

Google Chrome
Step 1: Click on the three stacked dots on the right side of the screen and select 'Settings'
Step 2: From the 'Settings' menu select 'Advanced' at the bottom of the screen
Step 3: From the 'Privacy and Security' menu select the 'Content Settings' button
Step 4: Select the following options from 'Content Settings' and enable the features for each:

  • Cookies - Allow sites to save and read cookie data
  • JavaScript - Allowed (recommended)
  • Pop-ups - Allowed

Safari

Step 1: Click on the 'Safari' menu in the top left hand corner
Step 2: Select 'Preferences'
Step 3: Select 'Privacy', then do any of the following:

  • Change which cookies and website data are accepted: Select a "Cookies and website' option
  • Always block: Safari doesn't let any websites, third parties, or advertisers store cookies and other data on your Mac. This may prevent some websites from working properly.
  • Allow from current website only: Safari accepts cookies and website data only from the website you're currently visiting. Websites often have embedded content from other sources. Safari does not allow these third parties to store or access cookies or other data.
  • Allow from websites I visit: Safari accepts cookies and website data only from websites you visit. Safari uses your existing cookies to determine whether you have visited a website before. Selecting this option helps prevent websites that have embedded content in other websites you browse from storing cookies and data on your Mac.
  • Always allow: Safari lets all websites, third parties, and advertisers store cookies and other data on your Mac.

Internet Explorer
Step 1: Click on 'Tools'
Step 2: Select 'Internet Options'
Step 3: Click on the 'Privacy Tab'
Step 4: Click on 'Advanced'
Step 5: Put a check mark next to 'Override Automatic Cookie Handling'
Step 6: Select 'Accept' for 'First Party Cookies' and 'Third Party Cookies'
Step 7: Put a check mark next to 'Always Allow Session Cookies'
Then Select 'Ok' and 'Ok' to close the 'Advanced Settings'  window

Mozilla Firefox
Step 1: At the top of the Firefox window, click on the three stacked lines and then click on 'Options' and a new tab will open
Step 2: Select the 'Privacy and Security' panel
Step 3: Set the 'Firefox will:' (dropdown menu) to 'Use custom settings for history'
Step 4: Make sure there is a check mark next to 'Accept cookies from websites'
Step 5: Accept third party cookies to 'Always'
Step 6: Close the 'Options' tab

What is Money Management?

Money Management is an online banking tool that allows you to view accounts from other financial institutions, track your spending, monitor your investments, and manage your budget.

To get started, you must first log into Towne-Personal/Biz. From there, select ‘Manage Money’ from the main navigation and click on ‘Money Management’ in the menu.

How will I find Money Management?

On the desktop, find Money Management by logging into Towne-Personal/Biz, select ‘Manage Money’ from the main navigation and click on ‘Money Management’ in the menu. For a short period of time, there will not be a widget on the online banking home page that will lead you to this tool, however, it will be added with a later release.

You can also find Money Management in the TowneBank Mobile Banking app. If you are using an iPhone or iPad, you can tap the ‘More’ button at the bottom of your screen and then select ‘Money Management’ from the menu. Android users will find the ‘Money Management’ option by selecting their main menu and scrolling down.

What happens if I change my user ID or password with one of the financial institutions I view within Money Management?

If you change your user ID or password with one of the financial institutions you have established in Money Management, you will need to update those credentials within Money Management.

To get started, select the icon that looks like a bank on the far right corner of your screen.

Photo of bank icon with alert notification in online banking

Is Towne-Personal secure?

Yes. The security of your financial information is very important to us. The Towne-Personal system uses industry standard,128 bit encryption technology during your online banking session and enhanced, multi-factor authentication when you log in.  This multi-factor authentication, which is either a one-time verification code or the registration of your personal device, will decrease the risk of fraud if someone tries to access your account.

We strongly recommend that you take steps to protect yourself by using the most up-to-date operating system, browser and plug-ins on your device. We also recommend that you run an up-to-date version of anti-virus software on your device. Visit our Learn section, to learn more about how you can stay safe online.

What can I do to protect my accounts while I’m banking online?

While the bank employs technological safeguards, there are many things you should do to protect yourself while banking online:

  • Use a strong password and memorize it. Try to avoid using readily available information for passwords such as names, birthdays, or your address. Additionally, you should memorize your password and never write it down anywhere or reveal it to anyone.
  • Set a reminder and change your password regularly. 
  • Remember to logout. You may not always be at your own computer when you bank online, so it's important to logout when you've finished banking. If you forget to do so, our system automatically logs you out after 20 minutes of inactivity.
  • Use your browser's built-in security features. Choosing certain security settings and options will help protect the privacy of your accounts and personal information.

Your mobile carrier's web access and text messaging charges may apply.