FAQ 0

Getting Started 0

Your account 0

Your documents 0

Trial FAQs 0

Shared files 0

Deleted files 0

Premium features 0

Premium subscription 0

DIGITAL BANKING/GENERAL QUESTIONS FAQs 6

• How can I reorder, rename or hide accounts in digital banking?
• How do I sign up for Home Banking?
• What happens if I do not log into my account for a while?
• I know my digital banking password, but I keep getting a Member Verification Error. What is the problem?
• When I try to log into digital banking on my browser I get a blank screen or a Browser Configuration Error message. How can I log in?

View all 6

JOINT ACCOUNT 3

• I'm having trouble identifying all my joint accounts. Any tips?
• How do I remove myself from an account on which I am a joint owner?
• How can I see who is listed as a joint owner on my account(s)?

CROSS ACCOUNT TRANSFERS 7

• What is Cross Account Transfer?
• How do I setup Cross Account Transfer?
• Can I transfer money to another Tower member's loan account using Cross Account Transfer?
• Can I reverse a Cross Account Transfer if I make a mistake?
• Is there a limit to the number of Cross Account Transfers I can make each month?

View all 7

ACCOUNT INACTIVITY 7

• Do automatic transactions -- like a payment to an insurance company or utility -- count as "activity"?
• How can I keep my account(s) active?
• How will I know if my account is inactive?
• Is there a fee for inactive accounts?
• What happens to my money if I don't reactivate my inactive account?

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CHANGE ACCOUNT OWNERSHIP 2

• How can I add a joint owner to an existing account?
• How can I remove a joint owner from my account?

CHANGE E-MAIL ADDRESS 1

• How do I change my e-mail address in Home Banking?

CHANGE MAILING ADDRESS 1

• How do I change my mailing address?

CHANGE NAME 2

• How can I change my name on my account?
• How can I change my club account name?

OPEN/CLOSE ACCOUNTS 3

• How can I open a new account for my child?
• How can I open a new sub-account on my account?
• How can I close my account?

GENERAL QUESTIONS 2

• Are there any prepayment penalties?
• How can I make payments to my Personal Line of Credit?

PERSONAL LINE OF CREDIT 5

• How can I access my Personal Line of Credit?
• How can I view disclosure information about a Personal Line of Credit?
• Is there a monthly or annual fee for a Personal Line of Credit?
• What is a Personal Line of Credit?
• How can I apply for a Personal Line of Credit?

RATES 1

• How can I find Tower's current loan rates?

VEHICLE 15

• After I pay off my vehicle loan with Tower, when will the title be released?
• Does Tower offer major mechanical protection or a service contract?
• How long does it take to process a GAP claim?
• I've made payments to the totaled vehicle loan to avoid late payments and credit reporting. Will those payments be reimbursed?
• I've totaled my vehicle, do I have to keep making payments?

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LOAN PAYMENT PROTECTION AND MEMBER STATEMENTS 3

• What are the two charges listed on my monthly statement as "Loan Pmt Protect Curr Prem" and Loan Pmt Prtect Prem Paid"?
• Why do I have two transactions listed on my monthly statement for Loan Payment Protection coverage on my loan?
• How do I know that I will only be charged once for Loan Payment Protection coverage when I see two entries on my monthly statement?

E-MAIL 7

• Can I create an E-mail Manager account on Tower's Web site if I use E-mail Manager in Home Banking?
• Can I delete e-mails in E-mail Manager?
• How can I voice my opinions or concerns about Tower?
• If I'm not a Home Banking user, can I still e-mail Tower with questions?
• If my e-mail address changes, do I need to re-register for E-mail Manager?

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FAX 1

• How can I fax information to Tower?

HOURS 2

• What hours are the Member Service Center open?
• Where can I find more information about branch hours?

LOCATIONS 1

• How can I get more information about Tower's branch locations?

MAILING ADDRESS 2

• What is Tower's mailing address?
• What is Tower's street address?

ATMS 5

• A surcharge notice appeared at the ATM listed on Tower's ATM locator, and I was charged a surcharge fee. Why?
• Can I make a deposit at ATMs?
• How can I avoid paying ATM surcharge fees?
• How can I find an ATM near me?
• What are 'Restricted Access' ATMs?

DISCLOSURES 1

• How do I view disclosure information on Debit Cards?

EMV CHIP DEBIT CARD 4

• Can chip debit cards be used at ATMs?
• Do I need to request a new chip debit card?
• I have a joint owner on my account. Will the joint owner's debit card number be the same as mine?
• Will my debit card number and PIN change?

FEES 1

• How can I get more information on Debit card fees?

GENERAL QUESTIONS 5

• Am I liable for unauthorized transactions on my debit card?
• Can I access my Request Checking account at all ATM locations?
• Can my Debit card access my savings and checking accounts at all ATM locations overseas?
• If my debit card expires this month, when will I receive my new card?
• Why is my checking account balance and available balance different when I use my debit card?

LOST/STOLEN CARDS 1

• What should I do if my Tower Debit card is lost or stolen when Tower is not open?

MASTERCARD AUTOMATIC BILLING UPDATER 1

• What is Mastercard® Automatic Billing Updater and how does it work?

ONLINE TRANSACTIONS 2

• Who can assist me if my online transaction does not go through?
• Why didn’t my online transaction prompt me to enter my Mastercard® Secure Code?

PENDING TRANSACTIONS 5

• If I placed a stop payment on an electronic (ACH) withdrawal, why do I still see it as pending in my Home Banking Account History?
• If I see a pending transaction in my Home Banking Account History, why don’t I see the transaction amount included in my account balance?
• When will the pending transactions post to my account?
• Why do I see a pending transaction when I book a hotel with my debit card, even though I have not completed my stay or checked out of the hotel?
• Why do I see the same pending deposit listed in both my checking and loan accounts when it should really only be in one of those accounts?

PERSONAL IDENTIFICATION NUMBER (PIN) 2

• Can I change my PIN for my debit card?
• Can I change my PIN for my debit card?

REPLACEMENT CARD 2

• Do I need to order a new Debit card when my name changes?
• When I turn 18 years old, do I need to reapply for a new Debit card? If so, why?

SIGN UP 1

• How do I sign up for a Debit Card?

TRAVEL NOTIFICATIONS 1

• Debit Card Travel Notifications

GENERAL QUESTIONS 2

• Does Tower have a service that helps manage difficulties with debt?
• Does Tower offer assistance in creating budgets?

DISCLOSURES 1

• How do I view disclosure information on Funds Transfer?

EXTERNAL ACCOUNTS VERIFICATION 11

• How do I verify an account before making a transfer?
• Why don't all of the accounts I've added appear on my Transfer Funds page?
• How can I get my external accounts verified using the trial deposit verification method?
• Why do I have to verify my external accounts?
• What if the trial deposit(s) made to my account fails?

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SECURITY AND SYSTEM REQUIREMENTS 2

• What is required to use Funds Transfer?
• How secure are my Funds Transfer and personal information?

Using Funds Transfer 25

• Can I set up a funds transfer now to be executed at a future date?
• Can I set up regularly recurring funds transfers?
• Can I transfer funds into someone else's account?
• Can I transfer money internationally using Funds Transfer?
• Can I use this service to transfer money between my accounts at Tower?

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EXTERNAL ACCOUNTS ELIGIBILITY 3

• Which accounts are eligible for Funds Transfer service?
• Which accounts are not eligible for the Funds Transfer service?
• Can I transfer funds to or from any financial institution or brokerage house?

FEES AND LIMITS 4

• How much does the Funds Transfer service cost?
• How much money can I transfer per transaction and per 30-day rolling period?
• Is there a minimum transfer amount for each transaction?
• What are the qualification rules for high limit inbound transfers?

SIGN UP 6

• What is Funds Transfer?
• How do I sign up for Funds Transfer?
• How do I add/change/delete investment accounts in my Accounts Portfolio?
• How do I find my account number and/or ABA Routing Number?
• What if my brokerage doesn't appear on the "Available Brokerages" list?

View all 6

PHISHING, VISHING, FRAUD SCHEMES 13

• Does Tower send out marketing e-mails?
• How can an e-mail be fake when it says it’s from Tower, addresses me by name or has my correct e-mail address or phone number?
• How do criminals doing the phishing know that I have an account with Tower?
• How do other people get my e-mail address or telephone number?
• I am not a member of Tower, but I received an e-mail (or phone call) about my Tower account. How does this happen?

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CHECK ORDERS 9

• How can I order checks in Home Banking?
• How can I pay for my check order?
• How do I check the status of my check order?
• How long will it take for me to receive my check order?
• If I have direct deposit and my checks are FREE, will I be charged anything for ordering my checks online?

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CROSS ACCOUNT TRANSFERS 7

• What is Cross Account Transfer?
• How do I setup Cross Account Transfer?
• Can I transfer money to another Tower member's loan account using Cross Account Transfer?
• Can I reverse a Cross Account Transfer if I make a mistake?
• Is there a limit to the number of Cross Account Transfers I can make each month?

View all 7

DISCLOSURES 1

• How can I view disclosure information in reference to Home Banking?

DIGITAL BANKING ACCOUNT NOTIFICATIONS 3

• What types of Digital Banking Account Notifications can I setup?
• How do I setup a Digital Banking Account Notification?
• Can I send e-mail and text alerts to a different e-mail address or phone number than the one on file with Tower?

GENERAL QUESTIONS 6

• How do I sign up for Home Banking?
• What happens if I do not log into my account for a while?
• I know my digital banking password, but I keep getting a Member Verification Error. What is the problem?
• When I try to log into digital banking on my browser I get a blank screen or a Browser Configuration Error message. How can I log in?
• How do I change my e-mail address in digital banking?

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FORGOTTEN PASSWORD 7

• How do I reset my password if I forget it once I register for the forgotten password feature?
• If I have opted out of receiving promotional or marketing e-mails, will I still be able to use the Forgotten Password feature?
• If I have removed my email address from the mailing list, will I still be able to use the Forgotten Password feature?
• If I opt-out of the forgotten password feature when I am prompted the first time, can I register for it at a later time?
• Is an email address required to setup the forgotten password feature?

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MULTI-FACTOR AUTHENTICATION 17

• Are all Home Banking users required to use Multi-Factor Authentication?
• Can I enable/disable text for my phone number?
• Can I login to Home Banking from multiple computers and browsers?
• Can I still login to Home Banking from anywhere?
• How do I change my phone numbers after my initial log in?

View all 17

AUTHENTICATOR APP 11

• What is an authenticator app?
• How do I pair my Tower Account to an Authenticator App?
• Will my enrollment QR code always be the same?
• Can I use an authenticator app of my choice?
• Can I use multiple authenticator apps?

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PIN/PASSWORD 3

• How do I change my password for digital banking if I forget it or think it has been compromised?
• How many characters does my password need to be?
• I do not remember my Home Banking password. What do I do?

SCHEDULED AND RECURRING TRANSFERS 14

• Can I edit a Scheduled Transfer that is already set up?
• Can I link the scheduled transfers to my direct deposit?
• Can I schedule transfers to my loan accounts?
• How do I delete a scheduled transfer once it is set up?
• If I have overdraft sources setup on my account, will they work with scheduled transfers?

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SECURITY AND SYSTEM REQUIREMENTS 1

• What company provides Tower's Home Banking services?

SHARED ACCESS 25

• Can a Shared Access sub-user use the Forgot Your Password link on towerfcu.org?
• Can a member remove a sub-user's access? How?
• Can a member require that all Bill Payments made by the sub-user have approval by the member?
• Can a member reset a sub-user's password?
• Can a sub-user call Tower to reset their password?

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STOP PAYMENTS 3

• What is the fee for placing a stop payment in Home Banking?
• Can I check the status of my stop payment order in Home Banking?
• How do I place a stop payment using Home Banking or Tower’s Mobile App?

TEXT BANKING 0

ACTIVATION 4

• Can I come back later to enter my activation code?
• What should I do if I still have not received my activation code?
• Where do I find my activation code?
• Why do I need to verify my phone with an activation code?

DEACTIVATION 3

• How do I deactivate the Text Banking service?
• I have a new mobile phone number. How can I change or add my new mobile number?
• What happens if I lose my mobile device?

SECURITY 2

• Do I have to worry about fake text messages trying to get my account information?
• Is Tower’s Text Banking service safe to use?

USING TEXT BANKING 10

• Are keywords case sensitive?
• Are there any shortcuts for the keywords?
• Can I change my primary account selection later?
• Can I text message to get the balances of all of my Tower accounts
• How do I know if my mobile plan supports text messaging?

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USING QUICKEN AND MS MONEY 5

• How do I export my Mastercard® account information?
• How do I export my account information into Quicken (version 2004 and earlier)
• How do I export my account information into Quicken (version 2005 and later)?
• How do I export my account information to MS Money?
• How do I update my Tower accounts within Quicken to be compatible with Direct Connect downloads?

TRANSFER & PAY 3

• What is Help Me Send Money?
• What will be available in the New Transfer & Pay feature?
• Why do I get a message that says "This feature requires third party cookies to be enabled” when trying to access Help Me Send Money on my Apple device?

CARD CONTROLS AND ALERTS FAQs 15

• How do members enroll in Card Controls?
• Can I manage more than one Card with Card Controls?
• If I turn my card OFF, am I closing my account?
• If I turn my card OFF, are recurring transactions blocked?
• How do I update my phone number and email in Card Controls?

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ABA/ROUTING NUMBER 1

• What is Tower's routing number?

ELECTRONIC SIGNATURES 7

• Are electronic signatures legal?
• Does Tower still offer printed loan documents to sign?
• How is my electronic signature created?
• What are electronic signatures?
• What device can I use to electronically sign my documents online?

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OTHER 3

• What is Tower’s Funds Availability Policy?
• What type of services do Tower branches offer?
• Where can I find a deposit voucher/form?

TAX REPORTING FORMS 8

• Can I access tax forms online?
• When will I receive a 1098 Mortgage Interest tax form from Tower?
• When will I receive a 1098-E Educational Interest tax form from Tower?
• When will I receive a 1099-C tax form from Tower?
• When will I receive a 1099R Distributions from IRAs tax form from Tower?

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WIRE TRANSFERS 4

• How much does a wire transfer cost?
• When will my wire transfer be sent?
• How can I send a wire transfer from Tower?
• What information is needed to request a wire transfer sent from Tower?

CHECKING 2

• When I run out of checks, does Tower have counter checks available?
• How to I obtain a Copy of a cleared check?

NCUA SHARE INSURANCE 9

• How are my accounts insured?
• How do I maximize my coverage?
• Is Tower a safe place to deposit my savings?
• Is the maximum insurance limit for all of my accounts $250,000?
• What happens if a credit union fails?

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SAVINGS/CLUBS 1

• Why don't I always receive a monthly statement if I have only a savings account with Tower?

SHARE CERTIFICATES AND IRAS 4

• Can a minor open an IRA?
• How often do Share Certificate rates change?
• Where can I get Share Certificate or Individual Retirement Account (IRA) rates?
• Will I incur a penalty for making a withdrawal from a Share Certificate before it matures?

BECOMING A MEMBER 3

• What is the advantage of being a Tower member?
• How do I become a member of Tower?
• How can I open an account at Tower?

ELECTRONIC SIGNATURES 7

• Are electronic signatures legal?
• Does Tower still offer printed loan documents to sign?
• How is my electronic signature created?
• What are electronic signatures?
• What device can I use to electronically sign my documents online?

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ELIGIBILITY 1

• How do I know if I am eligible for Tower ?

ONLINE ACCOUNT OPENING 12

• Can I open a trust account online?
• Can I open an account online for a child under the age of 18?
• Can I transfer funds from other financial institutions to a new Tower account?
• How can I fund my new accounts when I apply online?
• How can I qualify for membership with Tower?

View all 12

GENERAL QUESTIONS 27

• Can I add an account in Money Management that isn't supported for automatic download?
• Can I recover transactions or other data from an account I have deleted?
• How do I account for interest paid on a loan?
• How do I add a transaction?
• How do I add an account?

View all 27

BIOMETRIC LOGIN 11

• What is Biometric login?
• What are Fingerprint ID, Touch ID™ and/or Face ID?
• How do I enable Biometric login?
• How do I disable Biometric login for Tower’s Mobile App?
• I enabled Biometric login for Tower’s App, but it is asking me for my password. Why?

View all 11

GENERAL QUESTIONS 9

• How can I tell what version of the Android operating system I have on my phone?
• How do I add the Balance Widget for my iOS Device?
• How does the Mobile Banking App work?
• What is Tower's Mobile Banking App?
• Where is the "Logout" option for the iOS app?

View all 9

MOBILE DEPOSIT 0

SECURITY 4

• Is it safe to use Tower's Mobile Deposit?
• Is the picture of my check taken with Mobile Deposit saved on my mobile device?
• Do you mask phone numbers?
• Is it safe to use Tower's Mobile Banking App?

USING MOBILE DEPOSIT 18

• Can I deposit a check drawn on a financial institution located outside of the United States?
• Can I deposit a check through Mobile Deposit that was issued in a currency other than U.S. Dollars?
• Can I deposit a third party check?
• Do I need a password to use Mobile Deposit?
• Do I need to endorse the checks I deposit using Mobile Deposit?

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USING MOBILE BANKING APP 8

• Can I change the Mobile Banking App session timeout?
• Do I need a password to use the Mobile Banking App?
• How do I log out?
• How many transactions can I see on my phone at a time?
• I have disconnected my mobile device. Will my service continue to work?

View all 8

TRANSFER & PAY 3

• What is Help Me Send Money?
• What will be available in the New Transfer & Pay feature?
• Why do I get a message that says "This feature requires third party cookies to be enabled” when trying to access Help Me Send Money on my Apple device?

HOME EQUITY 11

• Are there any prepayment penalties associated with a home equity loan?
• Do I pay closing costs on a home equity loan?
• How do I apply for a home equity loan?
• How do I contact Tower regarding servicing of my home equity loan?
• How do I settle on my home equity loan?

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HOME EQUITY LINE OF CREDIT 15

• Are there any prepayment penalties associated with a home equity line of credit?
• Do I pay closing costs on a home equity line of credit?
• How do I apply for a home equity line of credit?
• How do I contact Tower regarding servicing of my home equity line of credit?
• How do I make a payment?

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MORTGAGE ASSISTANCE 1

• Who should I call if I'm having trouble paying my Tower mortgage loan or if I need information about foreclosure prevention?

PURCHASE 9

• Are there any prepayment penalties?
• How can I make my mortgage payments?
• Is there a real estate loan that would enable me to buy a new house before I have sold my existing property?
• Should I pay points to get a lower rate?
• Loan discount points are prepaid interest assessed at closing by the lender. Each point is equal to 1 percent of the loan amount (for example, one point on a $100,000 loan would cost $1,000). Usually the more points you pay, the lower the i

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REFINANCE 2

• How much money will I need at closing?
• Why should I refinance?

GENERAL QUESTIONS 7

• Can I search for both new and used cars?
• What if the dealer doesn't have the exact vehicle that I want?
• What other research can I do on the Tower Car Buying Service Web site?
• What is the Tower Car Buying Service?
• Why use the Tower Car Buying Service?

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VEHICLE PRICING 4

• Does the price include all fees?
• How can I get my vehicle purchase price before visting the dealer?
• How long is the upfront price offer valid?
• Will a TRUECar® dealer honor the upfront program price?

GENERAL QUESTIONS 20

• Where is the Web Payment Center located?
• Can I add multiple 'pay from' accounts?
• Can I use a credit or debit card to make a Web Payment Center payment online?
• How does the Forgot your Password feature work?
• How does the Web Payment Center Guest Pay work?

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APPLE PAY 23

• Am I able to opt out of Apple Pay?
• Are my payments safe with Apple Pay?
• Do I need to have an active internet connection to pay using Apple Pay?
• How are my privacy and personal information protected?
• How do I add my Tower credit or debit card to Apple Pay?

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GOOGLE PAY 23

• Am I able to opt-out of Google Pay?
• Are my payments safe with Google Pay?
• Do I need to have an active internet connection to pay using Google?
• How are my privacy and personal information protected?
• How do I add my Tower credit or debit card to Google Pay on my supported Smartwatch?

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SAMSUNG PAY 24

• Am I able to opt out of Samsung Pay?
• Are my payments safe with Samsung Pay?
• Do I need to have an active internet connection to pay using Samsung Pay?
• How are my privacy and personal information protected?
• How can I add my Tower credit or debit card to Samsung Pay?

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DISCLOSURES 1

• How do I view disclosure information on eStatements?

GENERAL QUESTIONS 7

• Can I download my eStatement information into Quicken or MS Money?
• Can I have my eStatement e-mail notification sent to two different e-mail addresses?
• How do I cancel eStatements or switch back to paper statements?
• How much does it cost to receive eStatements?
• What are eStatements?

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SECURITY AND SYSTEM REQUIREMENTS 2

• Do I need any special software to view my eStatement?
• Is my eStatement information safe for viewing over the Internet?

SIGN UP 5

• Can I enroll for eStatements by calling the Member Service Center or by visiting a Tower branch?
• Do I need an e-mail address to sign up for eStatements?
• Do I need to have Home Banking to view my eStatement?
• How do I sign up for eStatements? And if I am a registered Home Banking user, am I automatically signed up to receive eStatements?
• When is the deadline to sign up to receive my current month's statement online?

VIEW AND PRINT 4

• Can I print my own paper copy of the eStatement?
• How can I view eStatements from previous months? How long will each eStatement remain available in Home Banking?
• How will I know when my eStatement is ready for viewing? When, during the month, will my eStatement be available online for viewing?
• What if I accidentally delete my e-mail notification that my eStatement is ready? Can I still view it?

ACCOUNT INFORMATION 5

• How can I access my Tower Mastercard account information between my monthly statements?
• How much Mastercard transaction history is available online?
• If my Mastercard expires this month, when will I receive my new card?
• Is my Gold Card 1% purchase rebate reflected in my current balance?
• How can I increase the credit limit on my Mastercard?

BALANCE TRANSFER 1

• How can I transfer balances from my other credit cards to my Tower Mastercard?

LOST/STOLEN CARDS 1

• How do I report a lost or stolen Tower credit card?

ONLINE TRANSACTIONS 2

• Who can assist me if my online transaction does not go through?
• Why didn’t my online transaction prompt me to enter my Mastercard® Secure Code?

APPLY 1

• How can I apply for a Tower Mastercard?

DISPUTED CHARGES 1

• How do I dispute a charge on my Tower credit card?

MASTERCARD AUTOMATIC BILLING UPDATER 1

• What is Mastercard® Automatic Billing Updater and how does it work?

RATE 1

• What are the rates on Tower's Mastercard credit cards?

TRAVEL NOTIFICATIONS 1

• Credit Card Travel Notifications

TOP QUESTIONS 9

• How do I enroll for Bill Payment?
• Which accounts can I use to Pay Bills?
• Whom can I pay using Bill Payment?
• Is there a charge to use Bill Payment?
• How do I add, change or delete a payee?

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PAYMENTS 5

• How does Bill Payment work?
• How far in advance can I schedule payments?
• How do I cancel or modify a scheduled payment?
• What are Automatic Payments?
• How do I setup or delete an automatic payment in Bill Payment?

eBILLS 9

• What is an eBill?
• Will I still receive a paper copy of the bill through U.S. mail?
• How can I stop/resume receiving eBills from a payee?
• What happens if I delete a payee who sends me eBills?
• My eBill is late. What should I do?

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General Questions 7

• Who is Tori?
• How do I get started with Tori?
• What can Tori do?
• Why did Tower choose to offer a virtual assistant?
• Can Tori connect me to a live Tower team member?

View all 7