Tower's Bill Payment: Send payments to anyone in the United States—even friends and family. Bill Payment essentially replaces your checkbook, and payments are made either by corporate check, laser draft, or electronically. The Bill Payment processor determines the payment method based upon a number of factors.

Tower’s Funds Transfer: Transfer money between your Tower account and your accounts at other financial institutions or brokerage houses, and this service does not allow transfers to third parties. Transfers are always made electronically and can be scheduled to occur the next business day or within 3-4 business days. In order to move money between your Tower account and accounts at another financial institution using Funds Transfer, you must be an account owner on both accounts.