Your Trusted Financial Partner for Every Stage of Life
Manage your finances with confidence through our comprehensive banking solutions. From personal and business accounts to loans, investments, and digital banking services, Towne Bank is dedicated to helping you achieve financial success with security and convenience at every step.
Towne Bank Basic Personal Checking
Enjoy the convenience of everyday banking with the Towne Bank Basic Personal Checking Account. Designed for customers seeking a simple and affordable checking solution, this account provides essential banking features without complicated requirements. Whether you're managing daily expenses, paying bills, or accessing your funds on the go, Towne Bank Basic Checking gives you the tools you need to bank with confidence.
Account Features
- No minimum monthly balance requirement.
- $9 monthly maintenance fee.
- $50 minimum opening deposit.
- Eight free checks or debit transactions per month.
- $1 fee for each additional check or debit transaction.
- ATM fees may vary depending on location and network.
Digital Banking Services
- Online Banking & Bill Pay
- Access your accounts anytime, anywhere through our secure online banking platform. Pay bills, transfer funds, and monitor account activity with ease.
- Mobile Banking
- Manage your finances on the go with our user-friendly mobile banking app. Check balances, review transactions, transfer funds, and deposit checks remotely using Mobile Deposit.
- Paperless Statements
- Reduce clutter and stay organized by enrolling in electronic statements for convenient online access to your account information.
- Financial Management Tools
- Take control of your finances with integrated budgeting and financial planning tools designed to help you track spending and achieve your financial goals.
- Secure Debit Card
- Receive a contactless debit card featuring advanced chip security technology for safer purchases in stores, online, and worldwide.
- Banking Made Simple
- At Towne Bank, we believe banking should be convenient, secure, and accessible. Our Basic Personal Checking Account provides the essential services you need while giving you access to the modern banking tools you expect.
- Fast Money Transfers
- Send and receive money quickly and securely through our digital payment services, directly from your mobile banking application.
Private Banking & Professional Partner Programs
At Towne Bank, our Private Banking services are designed for individuals, business leaders, and professionals who require personalized financial solutions and exceptional service. Our dedicated Private Bankers take the time to understand your unique financial goals, providing expert guidance, customized lending solutions, and relationship-based banking tailored to your needs.
We believe that every client deserves individual attention and convenient access to experienced banking professionals. Our Private Banking team is committed to delivering responsive service, strategic financial advice, and comprehensive banking solutions whenever you need them.
In addition, our Professional Partner Programs bring together a team of banking specialists to provide integrated financial services for businesses, organizations, and professional practices. From business banking and treasury management to merchant services and lending solutions, we help ensure all your financial needs are met under one trusted relationship.
Community Partners
Specialized banking solutions designed for non-profit organizations, charities, religious institutions, and community groups. We provide financial products and services that help organizations manage funds efficiently while supporting their mission and growth.
Healthcare Partners
Customized banking services for healthcare professionals, including physicians, dentists, pharmacists, veterinarians, clinics, and medical practices. Our solutions are designed to support both your professional practice and personal financial objectives.
Legal Partners
Dedicated banking solutions for attorneys, law firms, title agencies, and legal professionals. We understand the unique financial requirements of the legal industry and offer services tailored to support your firm's success.
Executive Partners
Exclusive banking solutions for business owners, executives, entrepreneurs, accountants, architects, engineers, consultants, and other professionals. Our experienced bankers provide personalized financial guidance to help you manage wealth, grow your business, and achieve long-term success.
Why Choose Towne Private Banking?
• Dedicated relationship manager
• Business and treasury management services
• Wealth management guidance
• Convenient digital banking tools
• Priority service and expert financial support
Business Online & Mobile Banking
Modern businesses require banking solutions that are secure, flexible, and accessible wherever work happens. Towne Bank's Business Online & Mobile Banking platform provides powerful tools that help businesses manage cash flow, monitor accounts, approve transactions, and stay connected to their finances at all times.
Whether you're in the office or on the move, our digital banking solutions give you complete control over your business finances while providing the support of experienced banking professionals dedicated to helping your company succeed.
Business Online Banking Features
Explore our flexible, secure digital tools designed to give you total control over your business cash flow, account management, and daily transactions.
Multi-User Administration
Assign customized access levels and permissions for employees, allowing secure control over account information, transactions, and approval limits.
Advanced Reporting
Access detailed account reports, transaction histories, balance summaries, and financial trends to support informed business decisions.
Online Bill Pay
Pay vendors, suppliers, and recurring expenses securely from anywhere through our online banking platform.
Online Bill Pay
Pay vendors, suppliers, and recurring expenses securely from anywhere through our online banking platform.
Paperless Banking
Reduce paperwork and improve efficiency by receiving account statements and important documents electronically.
Accounting Software Integration
Download account activity and transaction data to streamline bookkeeping and financial management processes.
Account Alerts
Receive real-time email or text notifications regarding account activity, balances, transactions, and security events.
Mobile Check Deposit
Deposit eligible business checks quickly and securely from your smartphone or tablet without visiting a branch.
Internal Transfers
Transfer funds between eligible business accounts conveniently and securely through online or mobile banking.
Mobile Banking for Business
Manage your business finances anytime and anywhere with the Towne Bank Business Mobile Banking App. Review account activity, approve transactions, monitor cash flow, deposit checks, and stay connected to your finances from the palm of your hand.
Helping Businesses Grow with Confidence
At Towne Bank, we understand that efficient cash management is essential to business success. Our Business Banking and Treasury Services solutions are designed to help you save time, reduce risk, and focus on what matters most—growing your business.
Accounts Payable Solutions
Streamline vendor payments while maintaining control over expenses and protecting your business from fraud.
Benefits Include:
- Automated payment processing
- Vendor payment management
- Enhanced payment security
- Improved cash position management
Treasury Services & Cash Management
Today's business environment moves faster than ever. Towne Bank Treasury Services helps businesses improve efficiency, strengthen security, and optimize cash flow management through innovative treasury and cash management solutions.
Our experienced Treasury Management team works closely with each client to understand their operations and develop customized solutions that support growth, improve financial visibility, and reduce operational risk.
A Personalized Approach
Every business has unique financial requirements. Our treasury specialists take the time to understand your organization and recommend solutions tailored to your industry, size, and operational needs.
We proudly serve a wide range of organizations, including:
- Small and medium-sized businesses
- Large corporations
- Municipal and government entities
- Property management companies
- Law firms
- Nonprofit organizations
- Healthcare providers
- Professional service firms
- Educational institutions
Accounts Receivable Solutions
Accelerate collections and improve cash flow with tools designed to simplify payment processing and deposit management.
Benefits Include:
- Faster payment collection
- Flexible deposit solutions
- Electronic payment acceptance
- Improved cash flow visibility
Reporting & Liquidity Management
Gain greater visibility into your finances with comprehensive reporting and liquidity management solutions.
Features Include:
- Real-time balance reporting
- Cash position monitoring
- Automated account monitoring
- Liquidity optimization tools
- Financial reporting dashboards
Fraud Protection Services
Protect your business from financial threats with advanced fraud prevention and monitoring solutions.
Security Features:
- Transaction monitoring
- ACH fraud controls
- Check fraud protection
- Account activity alerts
- Multi-layer authentication
Merchant Services
Accept customer payments securely and conveniently through integrated payment solutions designed for today's businesses.
Payment Options:
- In-store payments
- Online payments
- Mobile payments
- Contactless transactions
- Recurring payment solutions
Why Choose Towne Bank Treasury Services?
- Dedicated treasury management specialists
- Customized cash management solutions
- Advanced fraud protection tools
- Digital banking convenience
- Industry-specific expertise
- Responsive local support
- Secure and scalable financial solutions
Understanding Counterfeit Checks
Counterfeit checks remain one of the most common forms of financial fraud, affecting individuals, businesses, and organizations of all sizes. Understanding how counterfeit checks work, recognizing warning signs, and knowing how to respond can help protect your finances and prevent costly losses.
At Towne Bank, we are committed to helping our customers stay informed and secure by providing resources and tools designed to reduce the risk of check fraud.
Understanding Counterfeit Checks
Counterfeit checks are fraudulent documents designed to appear legitimate and can result in significant financial losses if not detected early. Criminals often use counterfeit checks to scam individuals and businesses, making it important to recognize warning signs before accepting or depositing any check.
Common Warning Signs
Always inspect checks carefully and verify their authenticity whenever possible.
Counterfeit Check Protection
Towne Bank offers several tools and services to help protect your finances from check fraud and unauthorized transactions.
Fraud Prevention Tools
Regularly review your statements and account transactions to quickly identify suspicious activity.
Reporting & Preventing Counterfeit Check Scams
If you suspect you've received a counterfeit check, take immediate action to protect yourself and your finances.
What To Do
Prevention Tips
Staying informed and vigilant is one of the most effective ways to protect yourself from counterfeit check fraud.
Our Story
About Towne Bank
Founded on the principles of trust, strong relationships, and exceptional customer service, Towne Bank was established with a vision to provide personalized banking solutions that help individuals, families, and businesses achieve their financial goals.
From our earliest days, we have remained committed to serving others, enriching lives, and building lasting relationships within the communities we serve. By combining innovative financial solutions with experienced banking professionals, we deliver the expertise and personal attention our customers deserve.
As a full-service financial institution, Towne Bank offers a comprehensive range of banking, lending, investment, and financial management services designed to support every stage of life's journey. Our commitment to excellence is reflected in the dedication of our employees, whose diverse talents and perspectives help us better serve our customers every day.
We believe banking is about more than transactions—it's about understanding people, supporting dreams, and helping communities thrive. That's why we continue to focus on relationship-based banking, local decision-making, and exceptional customer experiences.
Our Mission is to serve others, enrich lives, and provide trusted financial solutions that empower our customers, businesses, and communities to succeed.
Why Choose Towne Bank
Strong. Trusted. Local.
Over the years, Towne Bank has grown into a trusted financial partner known for stability, integrity, and customer-focused service. Our success is built on a foundation of strong financial management, experienced leadership, and a genuine commitment to the communities we serve.
We Are Strong
Our financial strength enables us to provide dependable banking services, innovative financial solutions, and long-term support for our customers and local businesses.
We Are Experienced
Our team of knowledgeable banking professionals brings years of industry expertise and personalized guidance to help customers make informed financial decisions. From personal banking and lending to business and wealth management services, we are committed to helping you succeed.
We Are Community Focused
Giving back is a core part of who we are. Towne Bank actively supports local organizations, educational programs, charitable initiatives, and community development projects that create lasting positive impact.
Looking Toward the Future
As we continue to grow, our commitment remains unchanged: delivering exceptional service, building meaningful relationships, and helping our customers achieve financial success. We are proud of our history and excited about the future as we continue serving individuals, families, businesses, and communities for generations to come.
Help & Support Center
Select a category below to find quick answers, step-by-step guides, and security tools for your digital banking platform.
- All Topics
- Account Access
- Security & Fraud
- Transfers & Deposits
Password Reset
Learn how to securely change your login password.
Click the "Forgot Password" link directly on the login panel. You will need to verify your identity by entering your full account number and tax ID. A single-use validation token will instantly generate to your registered mobile phone or primary email address to facilitate a secure reset.
Counterfeit Check Signs
Spot altered numbers, fake fonts, and bad print quality.
Always inspect paper checks for signs of structural alteration like inconsistent optical styling, uneven alignment, or mismatched account details. Counterfeit checks frequently display blurred watermarks, missing microprinting, or unusual chemical bleaching stains on the rear endorsement lines.
Mobile Check Deposit
Processing cutoffs and clearing timeframes explained.
Mobile check deposits submitted before our standard 6:00 PM EST daily cutoff window enter review processing on the same consecutive business evening. Standard check clearing cycles make funds fully accessible within one business day, though extensive validation holds may apply to high-value deposits.
Locked Accounts
Unlock your banking profile after failed login attempts.
To protect sensitive account data, systems introduce automatic identity locks after 3 successive invalid login attempts. Profiles can be quickly restored using the self-service registration option on our portal page, or by contacting our client verification unit directly for security validation.
MFA Identity Setup
Configure hardware tokens, text alerts, and security apps.
Multi-Factor Authentication secures access by requiring validation layers beyond your password. Navigate to Account Settings to activate your preference of secure hardware tokens, digital authentication applications, or real-time text message alerts anytime an unknown terminal attempts a login.
Internal Cash Transfers
Move funds instantly between linked business profiles.
Internal balance settlements between your authorized commercial checking, investment, and specialized operational saving accounts execute entirely in real-time. Transfers have immediate clearing availability 24/7, enabling agile capital liquidity movement across enterprise channels.
Multi-User Admin
Delegate employee permissions and approval limitations.
Enterprise administrators can easily segment employee system reach. Use the User Management suite to build distinct roles, restrict individual balance viewing permissions, establish payment authorization thresholds, and assign secondary approval mandates over specific wire workflows.
Positive Pay Tools
Stop malicious check manipulation before clearing occurs.
Positive Pay systems dramatically decrease business check fraud risks. Upload your corporate issued check logs directly to our portal; the digital bank cross-references incoming instruments against your check details, flagging and holding any unauthorized item for your explicit manual clearance.
Online Bill Pay Help
Automate electronic vendor invoices and scheduling.
Consolidate your corporate outflow workflows into one control panel. Securely link recurring vendor invoicing schedules, construct payment logic streams, view transaction lifecycle tracking windows, and dispatch paperless ACH direct settlements safely to minimize physical security vulnerabilities.
Contact
Address
11704 W Broad St, Richmond, VA 23233, United States
Call Us
+1 804 280 4700
Email Us
info@example.com