Personal Checking Accounts

Compare the features of these five checking accounts. While you’re comparing, remember that ALL TowneBank personal checking accounts come with: Online and Mobile banking, debit card with chip security and the ability to turn your card off or on, FREE online Bill Pay, mobile deposit, custom email and text alerts, and a lot more!


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Towne Basic

A checking account with no monthly minimum balance requirements.

Towne Classic

Our most popular checking account with unlimited withdrawals and checks.

Towne Gold

An interest-bearing account on higher balances.

Senior Partners

A checking account for those who are 62 or better.

Hometown Partners

A checking account for those who protect and serve our communities.

Best for

Towne Basic

A simplified account, for those with fewer transactions and fluctuating balances.

Towne Classic

An advanced account for those with higher transaction volume with multiple ways to avoid monthly fees. 

Towne Gold

A premium account for those who need easy access to interest-bearing balances.

Senior Partners

A unique checking account, part of our Senior Partner program, that includes additional features and benefits.    

Hometown Partners

A specialized checking account exclusively for teachers, military, law enforcement, and other civil servants. 

Minimum opening deposit

Towne Basic

$50

Towne Classic

$50

Towne Gold

$50

Senior Partners

$50

Hometown Partners

$50

Daily balance requirements

Towne Basic

No monthly minimum balance required

Towne Classic

$1,500 minimum daily, $2,500 average or $10,000 combined minimum daily.

Towne Gold

$2,500 minimum daily balance, or $5,000 average balance, or $20,000 combined minimum daily balance.

Senior Partners

$5,000 minimum daily balance in Senior2 Partners Checking and/or Savings.

Hometown Partners

No minimum daily balance requirement.

Monthly maintenance fee

Towne Basic

$9 monthly maintenance fee

Towne Classic

$12 if minimum not met (free for students1 and seniors2)

Towne Gold

$15 monthly maintenance if minimum not met

Senior Partners

$20 if minimum not met

Hometown Partners

No monthly maintenance fee

Access to Online & Mobile Banking

Towne Basic

Online & Mobile Banking features

Towne Classic

Online & Mobile Banking Features

Towne Gold

Online & Mobile Banking Features

Senior Partners

Online & Mobile Banking Features

Hometown Partners

Online & Mobile Banking Features

Unlimited check writing

Towne Basic

No

Towne Classic

personal checking

Towne Gold

unlimited check writing

Senior Partners

unlimited check writing

Hometown Partners

personal checking

Deposit checks from anywhere*

Towne Basic

Towne Classic

Towne Gold

Senior Partners

Hometown Partners

Turn your debit card off or on

Towne Basic

control your debit card

Towne Classic

debit card control

Towne Gold

Senior Partners

Hometown Partners

debit card control

Free non-TowneBank ATM transactions

Towne Basic

Fees vary by region

Towne Classic

Fees vary by region

Towne Gold

Fees vary by region

Senior Partners

Unlimited

Hometown Partners

Fees vary by region

Overdraft protection available+

Towne Basic

overdraft protection

Towne Classic

personal checking overdraft protection

Towne Gold

overdraft protection personal checking

Senior Partners

overdraft protection

Hometown Partners

overdraft protection personal checking

Interest Bearing

Towne Basic

No

Towne Classic

No

Towne Gold

interest bearing checking account

Senior Partners

interest bearing checking account

Hometown Partners

No

TowneBank ATM/Debit Card

Towne Basic

checking account features

Towne Classic

debit card checking account

Towne Gold

ATM Debit Card personal checking

Senior Partners

debit card personal checking

Hometown Partners

debit card checking account

All Accounts Include

Acceptable Photo Identification

  • Valid Driver's License or State Issued ID Card
  • Unexpired Passport
  • Military ID

Acceptable Non-Photo Identification

  • Social Security Card
  • Voter Registration Card
  • Health Insurance Card
  • Birth Certificate
  • Employment ID Card
  • Paycheck Stub
  • Utility Bill Showing Current Address
  • Automobile Registration Card
  • Unexpired Work Visa

Full-time students with parent's account at TowneBank.
Seniors 62 or better.
+Coverlines require credit approval and interest rate apply.
^Your mobile carrier's web access and text messaging charges may apply.
* Mobile check deposit is subject to availability and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposits and other restrictions apply.
**U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

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