How to Pay Bills Online or In-Person at Tower Federal Credit Union

For over 70 years, Tower Federal Credit Union has provided convenient banking services to members in Maryland Virginia, and Washington D.C. One key service is flexible bill payment options to easily pay your credit union loans credit cards, utilities, and other bills either online, through the mobile app, in branch, or by mail.

In this comprehensive guide, we’ll outline the various methods to pay bills with Tower Federal Credit Union and provide tips to make sure your payments are processed quickly and securely every time.

Overview of Bill Pay Options with Tower Federal Credit Union

You can choose from a few different ways to pay your bills at Tower Federal Credit Union, depending on your needs:

• Online Bill Pay – Pay bills electronically through online banking or the mobile app

• In-Branch: You can pay with cash, check, or debit card at any Tower branch.

• By Phone: You can use your checking account to pay your bills over the phone by calling Tower.

• By Mail – Send a physical check to pay bills through standard mail.

• Auto Bill Pay – Set up recurring automatic payments from your Tower checking account.

You can use these bill pay methods to take care of Tower loan payments, credit card bills, utilities, or any other payments. Tower does not currently charge fees for bill pay services.

Below we’ll go through the specifics of each bill payment option and key tips for using Tower Federal Credit Union bill pay smoothly.

Paying Bills Online Through Online or Mobile Banking

The easiest way to pay your bills with Tower is through online banking or the Tower mobile app. This allows electronic payments from the convenience of your home or anywhere.

Follow these simple steps to pay bills online:

1. Log into online banking or the Tower mobile app.

2. Select “Pay Bills” from the menu.

3. Choose the bill you wish to pay and enter the payment amount.

4. Select or add the payee and confirm payment details.

5. Payments process in 1-2 business days.

Tips for paying bills online:

• Schedule one-time or recurring payments in advance.

• Use auto-fill to speed up entering payment info.

• Confirm bills are marked paid on your next statement.

• Contact Tower if you have trouble logging into online banking.

Online bill pay with Tower allows fast electronic payments at any time of day without stamps or paper checks.

Paying Bills In-Person at a Tower Branch

You can also pay your bills in-person at any of Tower’s conveniently located branches in Maryland, Virginia, and Washington D.C. All branches accept cash, checks, or debit card payments for bills.

Follow these steps to pay bills at a branch:

1. Visit your nearest Tower branch during business hours.

2. Inform the teller you want to make a bill payment.

3. Provide the payee name and payment amount.

4. Pay with cash, check, or debit card.

5. Obtain a receipt as proof of payment.

Tips for in-branch bill pay:

• Find branch locations and hours on the Tower website.

• Bring a paper bill or have payee details handy.

• Ask for a stamped paid receipt for your records.

• Payments process same or next business day once submitted.

Paying bills in person gives the option to speak with knowledgeable staff and get immediate payment receipts.

Paying Bills by Phone Through Tower’s Call Center

In addition to online and in-person payments, Tower members can also pay bills conveniently over the phone. Just call 1-800-787-8238 during business hours and provide payment details to the representative.

Here is how to pay bills by phone with Tower Federal Credit Union:

1. Call 1-800-787-8238 and select bill pay options.

2. Provide the payee name and your Tower account information.

3. Choose the payment amount and date.

4. Payment will process electronically from your account.

Tips for paying bills by phone:

• Call during normal business hours for assistance.

• Have your account number, payee details, and amount ready.

• Record the confirmation number from the call.

• Verify payment cleared by checking your statement.

The phone bill pay option allows you to take care of payments easily without visiting a branch. Just call during operating hours.

Paying Bills by Mail with Tower Federal Credit Union

While less convenient than electronic payments, you can mail paper checks to pay your bills with Tower Federal Credit Union accounts.

To pay bills through the mail:

1. Write a check payable to the payee from your Tower checking account.

2. Mail the check to the payment address listed on your bill.

3. Allow 7-10 business days for mail time plus processing.

4. Check statements to confirm payment cleared.

Tips for paying bills by mail:

• Send at least 7 business days before the due date.

• Include the payment stub or write the account number on the check.

• Notify payees of any address changes for proper delivery.

• Hold checks at the branch to avoid mail delays.

Mailing a paper check allows you to pay bills without an electronic payment method but takes much longer to process.

Setting Up Automatic Bill Payments

The most convenient option for paying regular monthly bills like a car loan or mortgage is to enroll in Tower Federal Credit Union’s automatic bill pay service. This automatically deducts the amount owed each month from your linked checking account.

Follow these steps to set up auto bill pay:

1. Log into online banking and select “Pay Bills”.

2. Choose “Automatic Payment” to set up recurring payments.

3. Pick the payee, payment amount, and payment date.

4. Confirm the active checking account to withdraw funds from.

5. Bills will now be paid automatically each month.

Tips for managing auto bill pay:

• Choose a payment date after you get paid to ensure available funds.

• Review payments monthly and update as needed for changes.

• Make sure your account has enough funds on the payment date to avoid fees.

• Disable auto pay if closing an account to avoid missed payments.

Automatic bill pay eliminates having to remember to pay each bill every month manually. Just monitor payments periodically for any needed adjustments.

Avoiding Late Fees and Payment Issues

Making on-time bill payments is essential to avoid financial penalties and damage to your credit rating. Follow these tips to prevent late Tower Federal Credit Union bill payments:

• Review due dates as soon as you receive a bill to know the deadline.

• Calendar reminders or set up automated payments for predictable bills.

• Pay a few days early online or by phone to provide a buffer.

• If a payment is late, call Tower immediately to see if they can waive any fees.

• Don’t ignore final notices – call Tower to discuss a resolution.

Staying organized and proactive with bill due dates will help avoid headaches from late fees down the road.

Get Support for Tower Federal Credit Union Bill Pay

If you need any help with setting up bill payments or have issues with a payment, Tower offers responsive customer support:

• Call 1-800-787-8238 or visit a branch for assistance.

• Send a secure message through online or mobile banking for support.

• Carefully review FAQs and bill pay tutorials on the Tower website.

• Consider scheduling an appointment for personalized bill pay help.

The knowledgeable Tower support team is ready to answer your bill pay questions and ensure payments are processed accurately.