Senior Checking

Senior Partner Checking rewards you with a bundle of features reserved for those who are 62 or better.   

Senior Partner Personal Checking

If you’re at least 62 years old, Senior Partner Checking gives you a unique bundle of benefits. Earn interest on balances above $5,000. Enjoy FREE safe deposit box for a year1, FREE notary services, no-fee cashier’s checks, and FREE TowneBank checks (and that’s just the beginning). Talk with your local banker about the Senior Partner personal checking.

Checking Account Details:

  • Minimum daily balance requirements: $5,000 in Senior Partner checking and/or savings
  • $20 monthly maintenance fee (if balance requirements are not met)
  • Interest bearing:
    • $0-$4,999
    • $5,000-$24,999
    • $25,000-$49,999
    • $50,000-$99,999
    • $100,000 or more
  • $50 minimum opening balance
  • Waived TowneBank fee for non-TowneBank ATM withdrawals in the US
  • Free stop payment services, check images, notary services
  • Extended benefits to family members

All Accounts Feature

Online & Mobile Banking
Online Banking with Bill Pay.
Mobile Banking With Mobile Deposit
Mobile banking** with a highly-rated app.
send money with zelle
Send or receive money right from your TowneBank mobile app with Zelle®*
Paperless Statements
Option to easily go paperless with electronic statements.
Financial Planning Tools
Access to financial planning tools such as Quickbooks® and Quicken®^.
Debit Card
Contactless debit card with chip security.

Benefits for You & Your Family

  • As a Senior Partner Savings account holder, you could be eligible to be a part of our Senior2 Partner Program which includes the following benefits:   
    • Free notary services 
    • Legacy Benefits Program 
    • Free safe deposit box rental for the first year, 50% discount thereafter with automatic debit when available 
    • $250 credit towards closing costs (mortgages and reverse mortgages) when financing a home mortgage with TowneBank Mortgage++ 
    • No TowneBank fee for IRA transfers from other financial institutions
    • CD and IRA statements available upon request 
  • The financial well-being of your family is important to you. The Legacy program extends these benefits to the children and grandchildren of our Senior2 Partners: 

    • Towne Classic Checking account with no monthly maintenance fee 
    • Free Online Banking and Bill Pay 
    • Free Mobile Banking with Mobile Deposit** 
    • 1/4% Discount on consumer loan* rates  
    • TowneBank Rewards® Credit Card with no annual fee++
    • Students3 receive a Towne Classic Checking Account with no monthly maintenance fee
    • Children under 18 receive a savings account with no monthly maintenance fee
    • First order of custom TowneBank checks free
    • Free cashier’s checks
    • Free notary services
    • $50 minimum opening balance  

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

Apply for a Coverline

In the event of an overdraft, you can transfer funds in $100 increments from your Coverline line of credit to your designated account(s).


Overdraft Protection Transfers

Overdraft protection links your checking account to another TowneBank deposit account. In the event of an overdraft, available funds will automatically be transferred from the linked account to cover the overdraft. 

1Subject to availability

2Available for those age 62 or better due to federal regulations.

3Full-time student with parent’s account at TowneBank

+ Coverlines require credit approval and interest rates apply.

++ Normal credit criteria apply

^Quicken® and Quickbooks® are registered trademarks of Intuit Inc. First 3 months free, $10 per month thereafter.

*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.

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

All terms applicable to Online Banking apply to Mobile Banking.

Only deposit products are FDIC insured.

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