Classic Checking

A feature rich checking account that’s great if you make a lot of transactions. Pay no monthly fee when you maintain a minimum balance.

Towne Classic Personal Checking

It’s our most popular checking account for a reason! You can open yours with a $50 opening deposit. As long as you maintain the required minimum balance, you’ll pay no monthly maintenance fee. And there is never a monthly maintenance fee for seniors or full-time students. Plus, you’ll enjoy a great bundle of benefits like Mobile and Online Banking, Bill Pay, debit card with chip security, and many more!

Checking Account Details:

  • Minimum balance requirements: $1,500 minimum daily, $2,500 average or $10,000 combined minimum daily
  • $12 monthly maintenance fee (if balance requirements are not met)
  • No monthly maintenance fee for seniors2
  • Full-time students1: no monthly maintenance fee
  • $50 minimum opening balance
  • ATM fees vary by region

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.

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. 

1Full-time students with parent's account at TowneBank
2Seniors 62 or better.
+ Coverlines require credit approval and interest rates 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.

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