How may I request sponsorship by the TowneBank Foundation for my event?

Our sponsorship requests are reviewed by the President of that specific region. Please contact your hometown banker if you’d like to submit a request.

How can I find out about TowneBank sponsored events and volunteer opportunities?

Check out our About Towne section for photos, videos and information about exciting events, past, present and future.  We also have a calendar of events.

Should I notify the bank before I travel internationally?

Yes.  To prevent an interruption in ATM or Debit Card access, call your local Hometown Banker prior to your departure to place a travel flag on your account. This will reduce the chance of interrupted access to your funds while traveling.  

Is my ATM/Debit card restricted in any countries?

Unfortunately, there are several countries where there is a high level of attempted fraudulent ATM/Debit Card activity. In accordance with Master Card recommendations, transactions have been restricted in specific countries in order to protect our members. Please contact your hometown banker prior to travelling internationally to ensure that your final destination is not on the restricted list. 

If you plan to travel to a country that ATM and debit card transactions are restricted, you may be able to use travelers checks* or obtain foreign currency* before you travel. A hometown banker would be happy to assist you with either option.

*service fees may apply

Where can I use my ATM/Debit Card when out of the country?

If you are not in a foreign country that is restricted you should be able to use your TowneBank debit card anywhere Mastercards are accepted. To get a current list of restricted countries please contact your hometown banker prior to travelling to make sure you will not experience any service interruptions. 

Are there any fees associated with using my ATM or Debit Card internationally?
Anytime you use your TowneBank debit card overseas you will incur a 3% charge on the total purchase. There is a 3% charge on the amount you withdraw from international ATMs.
How will international transactions post to my account when I use my ATM or debit card?

Transactions made internationally will be charged to your checking account in U.S. dollars and will appear in your monthly statement. The currency conversion rate used on the processing day may differ from the purchase date or posting date rate. TowneBank has no control over the exchange rate. We suggest visiting http://www.exchangerate.com/ to get a general idea of currency exchange rates before you travel.

Is there anything else I need to know when using ATMs internationally?
Some foreign ATMs may only allow you to withdraw money from your primary checking account.
Why is it important to provide TowneBank with my cell phone number?
If we suspect that your debit card is being used fraudulently, we will call the cell phone number listed on your account instead of a home phone number. It is very important to make sure that we have your current cell phone number on file if you decide to travel domestically or internationally.
What is an overdraft?
An overdraft occurs when you spend more money than you have available in your account. Upon review, TowneBank may choose to pay an item on your behalf. If TowneBank pays this item for you, it is called an overdraft. If TowneBank does not pay this item for you, it will be returned unpaid and called a returned item.
How can I avoid overdraft fees?
If you are currently an online banking user, an easy and free way to avoid overdraft fees is to use notifications and low balance alerts. Signing up is easy. For Towne-Personal/Biz users simply login and select 'My Settings' then select 'Alerts and Notifications'. If you use Towne-Biz Plus, login and navigate to the Accounts, Activities & Reporting tab.

We also offer overdraft protection transfers which link your checking account to another TowneBank deposit account. In the event of an overdraft, available funds will automatically be transferred from the linked account. Learn more from your hometown banker. Nominal fees apply. 

Or you may want to apply for a Coverline overdraft protection plan. This is a line of credit that, in the event of an overdraft, will transfer funds in $100 increments from your line of credit to the affected account. Subject to credit approval; applicable interest rates apply.

What is Overdraft Protection?

Overdraft protection is a tool that can help you avoid overdraft and returned item fees.  TowneBank has several options available.  *See Question 2: “How can I avoid overdraft fees?”

What is a Coverline?

A Coverline is a line of credit that, in the event of an overdraft, will transfer funds in $100 increments to the affected account. Coverlines are subject to credit approval and interest rates will apply.

Contact a hometown banker for more information.
How do I set up overdraft protection?
Contact your hometown banker to set up overdraft protection with a deposit account or to apply for a coverline.
Am I automatically enrolled in overdraft protection?

No. You are not automatically enrolled in overdraft protection. You must request to have your accounts linked or you can apply for a Coverline.

Are one-time debit card transactions and ATM withdrawals automatically approved even if I don't have available funds in my checking account?
One-time or everyday debit card transactions and ATM withdrawals are not automatically approved. If you would like for us to consider authorizing and paying overdrafts on your ATM and everyday Debit Card transactions, please let TowneBank know. If you opt-in, an ATM/Debit overdraft fee will apply if the transaction is paid. Contact a hometown banker for more information.
How can I find out what's insured and what portion (if any) exceeds coverage limits?

If you would like to calculate how much coverage applies to your personal or business deposit account visit the FDIC's EDIE Estimator

EDIE calculates the insurance coverage for Personal Accounts—deposits held by people in single accounts, joint accounts, POD/ITF accounts, living trust account, and Individual Retirement Accounts (IRAs); Business Accounts—deposits held by corporations, partnerships, and organizations, both for-profit and not-for-profit; and Government Accounts—deposits held by public units such as school districts, cities, municipalities, counties, and states.

EDIE can be used to calculate the insurance coverage of all types of deposit accounts offered by an FDIC-insured bank, including:

  • Checking Accounts
  • Savings Accounts (both statement and passbook)
  • Money Market Deposit Accounts (MMDAs), and
  • Certificates of Deposit (CDs)