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Last Updated: 01/21/2026

Tower FCU Regular Checking

from Tower Federal Credit Union

Last Updated: 01/21/2026

Rating not yet determined2 total votes

2 users recommend

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Highlights

Welcome Offer

Starting at $0(Verified 06/21/2024)

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Rewards

N/A

APY (Annual Percentage Yield)

0.07%(Verified 06/21/2024)

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Monthly Maintenance Fee

$0(Verified 01/21/2026)

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Tower FCU Regular Checking Review

The Tower FCU Regular Checking is offered by Tower Federal Credit Union, a credit union founded in 1953 and based in Laurel, MD. Tower Federal Credit Union checking account is available in 1 state.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.07% .
No monthly maintenance fees. This account does not charge any monthly account fees.
Small minimum initial deposit. You only need $10 to open an account.

Tower Federal Credit Union checking account Pros & Cons

Pros

Cons

Low out of network ATM fee.
Free checking with no minimum balance requirements.
Interest-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card
Access to a nationwide network of ATMs.

Bill pay is free if you set up three or more bill payments that process within a calendar month, otherwise the cost is $2.95 per calendar month. Most banks do not have a bill payment fee at all.
No signup bonus.
Not FDIC-insured.
Only available in one state.
Charges a fee on out-of-network ATM transactions.

Tower Federal Credit Union checking account FAQ

Are checking accounts from Tower Federal Credit Union federally insured?

No, your Tower Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if Tower Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

What APY does Tower Federal Credit Union checking account offer?

Tower FCU Regular Checking Rates & Terms

Description

APY (Annual Percentage Yield)

0.07%

Tower Federal Credit Union checking account offers an APY of 0.07% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Tower Federal Credit Union checking account?

Tower Federal Credit Union checking account requires a minimum initial deposit of $10.

Tower FCU Regular Checking Minimums

Description

Minimum Balance to Earn APY

Minimum Opening Deposit

Starting at $10

What fees does Tower Federal Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

Tower FCU Regular Checking Fees

Description

Monthly Maintenance Fee

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1

NSF Fee

$25

Overdraft Item Fee

Starting at $25

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $12

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 1.1%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20

Wire Transfer Fee - International (Outgoing)

Starting at $35

Wire Transfer Fee - International (Incoming)

Starting at $6

Returned Deposit Fee (International)

Starting at $12

Wire Transfer Fee - US Domestic (Incoming)

Starting at $6

Does Tower Federal Credit Union checking account charge overdraft fees?

Yes, Tower Federal Credit Union checking account charges a $25 fee for every overdraft.

What features and perks does Tower Federal Credit Union checking account offer?

This account includes the following features:

Mobile Banking Services - Tower Federal Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Tower Federal Credit Union checking account?

The customer support email for Tower Federal Credit Union checking account is memberservices3@towerfcu.org.

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Message from Tower Federal Credit Union checking account

There are plenty of things in your day-to-day life that are complicated. Managing your money doesn’t have to be one of them! Tower Federal Credit Union offers checking account options and services designed to make it easy for you to manage your money without all the unnecessary fees that banks often charge.

The best things in life are free, including a Regular checking account from Tower. Here at Tower, we believe you shouldn’t have to pay extra for a checking account that’s designed to keep up with your busy life. Earn daily dividends on your account balance. No monthly fee or service charges.

Contact

Headquarters

7901 Sandy Spring Road

Laurel, MD 20707

Visit Site

Email Support

Hours of Operation

SundayClosedMondayClosedTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 2:00PM

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

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Tower FCU Regular Checking Community Reviews

Would you recommend Tower FCU Regular Checking to your friends?

Hannah K.

Jan 15, 2021

May or may not recommend

I received my first credit card with TFCU and it was a simple and easy process! Overall, the interface can be a little tricky to use as it is hard to navigate the site but I received a response quickly. The customer service member who helped me was knowledgeable and offered me suggestions about raising my credit as a new credit card user. TFCU also has no monthly fees or ...Show More

Sarah C.

Oct 8, 2020

May or may not recommend

I used Tower Loan with my ex-fiance to finance furniture for our home. The process was quite simple and was handled completely by the furniture store. Payments were easy to make and they were flexible and easy to work with. Customer service at our local office was absolutely fantastic. I would do business with them again.

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