Take Control™ Card Account

Card only account with budget control that is better than prepaid with No Overdraft Fees Ever!

Smart Because

  • No load fees
  • Great for online shopping and travel
  • Ideal for student spending

Control Your Spending and Save

  • Never pay another overdraft fee!1
  • Debit Card only - Take Control Card allows you to separate sums of money from your main account
  • Budget and use your Take Control Card for shopping or travel

Better Than Pre-Paid

  • No load fees
  • No per purchase transaction fees
  • No balance inquiry fees

Features

  • FREE Debit Card only - Take Control Card
  • No minimum balance
  • Low $4.95 Monthly Service Fee
  • Non-Interest Bearing
  • FREE E-Statement or paper statement
  • Minimum to open only $50
  • Optional Smart Solutions Package for only $5.99

Easy to Use

  • FREE Online Banking
  • FREE Text Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements
  • Member of the MoneyPass® Network of 24,000 Surcharge-free ATMs nationwide2
  • Easy to fund online, at any Town & Country branch, with direct deposit or at select ATMs.3

1Town & Country Bank will decline or return any item presented to your account that will overdraw your account to the extent possible within our system. Inadvertent overdrafts are possible in limited situations; however, you will not incur a fee. 2A $1.00 foreign ATM transaction fee may be assessed by Town & Country Bank on ATM transactions at non-Town & Country Bank ATMs. 3Requires enrollment in Town & Country's online banking service. Online transfers are available from the enrolled accounts assigned to your personal Town & Country Bank online banking service.

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E-Vantage Plus Checking

Our most popular checking account for customers who want to earn interest without a minimum balance requirement. Use your debit card and earn even more interest!

Smart Because

  • Earn a competitive rate of interest on checking account balances up to $50,0001
  • Receive a refund on foreign ATM fees assessed by Town & Country Bank up to $10.00 per monthly statement cycle
  • Member of the MoneyPass® Network of 24,000 Surcharge-free ATMs nationwide2

Your money working for you!

  • Earn a competitive rate of interest on checking balances up to $50,000
  • Earn an extra .50% rate of interest with 12 or more debit card transactions1

Features

  • FREE Debit Card
  • Check writing
  • No minimum balance
  • Avoid low monthly service fee of $7.50 with direct deposit and E-statements
  • Earn Interest
  • Minimum to open only $50
  • Optional Smart Solutions Package for only $5.99
  • Receive a refund on foreign ATM fees assessed by Town & Country Bank up to $10.00 per monthly statement cycle

Easy to Use

  • FREE Online Banking
  • FREE Text Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements

1Earn an extra .50% rate of interest with 12 or more debit card transactions per statement cycle on balances up to $50,000. 2A $1.00 foreign ATM transaction fee may be assessed by Town & Country Bank on ATM transactions at non-Town & Country Bank ATMs that exceed your $10 per month benefit feature of your E-vantage account.

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Free Green Checking

Go green and save green!

Smart Because

  • E-statements mean more green for the environment
  • No service fee means more green in your pocket
  • Member of the MoneyPass® Network of 24,000 Surcharge-free ATMs nationwide1

GO GREEN AND SAVE GREEN

  • Great for the environment and friendly to your budget
  • Member of the MoneyPass® Network of 24,000 Surcharge-free ATMs nationwide
  • FREE DEBIT CARD

Features

  • FREE Debit Card
  • Check writing
  • No minimum balance
  • No monthly service fee
  • Non-Interest Bearing
  • Minimum to open only $50
  • Requires E-Statements2
  • Requires Online Banking and an email address for E-statements
  • Optional Smart Solutions Package for only $5.99

Easy to Use

  • FREE Online Banking
  • FREE Text Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements

1A $1.00 foreign ATM transaction fee may be assessed by Town & Country Bank on ATM transactions at non-Town & Country Bank ATMs. 2 E-Statements are required for the account. If you do not enroll and receive a monthly statement in the form of an E-statement within 60 days of account opening or maintain a valid email address for E-statements while the account is active, the account will be converted to a Smart Checking Account that allows for paper statements.

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Smart Checking

Basic checking with all the conveniences

Smart Because

  • No Minimum balance required
  • Identity Theft 911® protection on primary account holder
  • Member of the MoneyPass® Network of 24,000 Surcharge-free ATMs nationwide1

Peace of Mind and more!

  • Identity Theft 911® is there for you if your identity is ever stolen
  • Earn more interest on your Smart Savings account with an auto transfer of $10 or more from your Smart Checking!2

Features

  • FREE Debit Card
  • Check Writing
  • No minimum balance
  • Avoid the low $3.00 monthly service fee with just six debit card transactions per month3
  • Non-Interest Bearing
  • FREE E-statements or Paper statements
  • Minimum to open only $50
  • Optional Smart Solutions Package for only $5.99

Easy to Use

  • FREE Online Banking
  • FREE Text Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements

1 A $1.00 foreign ATM transaction fee may be assessed by Town & Country Bank on ATM transactions at non- Town & Country Bank ATMs. 2.50% will be paid over the base rate with a monthly, automatic transfer of $10 or more 3Debit card transactions refunded at $0.50 per transaction up to a $3.00 refund per month.

Existing Smart Checking accountholders - If you become a victim of identity theft, contact Identity Theft 911® at 866.602.2056 for assistance and provide your member ID# . If you cannot locate your member ID number contact your local banking center.

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Senior Class Checking

For customers age 55 and better!

Smart Because

  • Enjoy fun day trips, luncheons, group activities and more!
  • Receive an extra .10% on CD rates with a monthly direct deposit into your checking account
  • Member of the MoneyPass® Network of 24,000 Surcharge-free ATMs nationwide 1

The Golden Treatment is here!

  • Complimentary services allowing you to save money
  • Automatic membership in our Senior Class Club and all the club fun

Features

  • FREE Debit Card
  • Check writing
  • Avoid the $12 monthly service fee with a $5,000 combined bank deposit balance or a $25,000 or higher relationship with our investment center.
  • Earns Interest - compounded monthly & credited to the account
  • FREE E-statements or paper statements
  • Minimum to open only $50
  • Optional Smart Solutions Package for only $5.99
  • Receive an extra .10% on CD rates with a monthly direct deposit into your checking account
  • FREE Senior Class Checks
  • $10 annual discount on safe deposit box
  • No fee money orders, cashier checks, or travelers checks
  • No fee copies for personal use (up to 10 per month)
  • No fee notary service

Easy to Use

  • FREE Online Banking
  • FREE Text Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements

1A $1.00 foreign ATM transaction fee may be assessed by Town & Country Bank on ATM transactions at non-Town & Country Bank ATMs.

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Smart Solutions Package

Supercharge your checking with a package service that include security benefits, health benefits, and shopping and travel discounts

Smart Because

  • Protect your identity with Optional Identity IQ Protect Pro credit monitoring service
  • Protect your cell phone with Cellular Telephone protection
  • Protect your family knowing you are covered in case of an accident with Accidental Death and Dismemberment Insurance and Common Carrier Coverage

SECURITY BENEFITS

24-Hour Accidental Death & Dismemberment Insurance and Common Carrier Coverage

Coverage includes $10,000 in Accidental Death Insurance 24 hours a day. Your Accidental Death Coverage increases to a total of $100,000 when you travel by a licensed Common Carrier. The purchase of Accidental Death & Dismemberment Insurance is not a deposit of the bank, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.1

Travel Assistance Service

Many travel assistance services are included with the above insurance plan and are accessed by simply calling a toll-free number. Also included are valuable medical and emergency assistance services such as medical evacuation and repatriation of remains benefits while traveling more than 100 miles from your home, including abroad. Simply call a toll-free number for support.

Identity Theft 911® - Lifestages

If you become a victim of identity theft, call the toll-free number, and you will be assigned to a highly qualified fraud specialist who is your single source to help you resolve your problem from start to finish. You save time, avoid frustration and get your problem corrected with the unlimited, one-onone help of an expert. Call the toll-free number and provide the member ID number. Don't wait, call us for advice before you become a victim. Go to the member benefit website for valuable news and resources, helping you learn how to stand up against identity theft.

Living Family Journal

Create peace of mind from the convenience of your personal computer. Organize, record, and document personal, medical and financial information with your Living Family Journal. Ask for more details.

HEALTH BENEFIT

Prescription Drug Discounts

This is not insurance. Available through the Prescription Drug Discount program, you and your family will receive discounts on your prescriptions through local participating pharmacies.

Cellular Telephone Protection

This service will reimburse the enrolled accountholder for damage to or theft of eligible Cellular Wireless Telephones up to $250.00 per claim. Coverage is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $250.00 per claim and $500.00 per twelve (12) month period.

* Cellular Coverage only applies while the Cellular bill is paid from the eligible enrolled account.

OPTIONAL BENEFIT

By enrolling in the Smart Solutions Package, you become eligible for one complimentary Identity IQ Protect Pro membership per household. This is an OPTIONAL service & requires separate enrollment on your behalf. Your membership in the Smart Solutions Package does not automatically include an Identity IQ Protect Pro membership.

Identity IQ Protect Pro

Identity IQ provides you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. Know what is in your credit report, watch for changes in your credit score and receive alerts if something changes in your credit file. Plan your best defense with our identity theft restoration products. Our identity and credit related services harness and integrate the power of the most advanced business information resources to inform, protect, alert and assist you in the event of identity theft or credit reporting problems. Your membership entitles you to one complimentary membership per household. (Additional family members may enroll at a 25% discount off the retail price.)2

SHOPPING, TRAVEL & ATTRACTION DISCOUNTS WITH SAVINGS MADE EASY

Retail & Restaurant Savings

You will have access to a dynamic shopping program which will reward you every time you use it. Go to the member benefit website or app to find great deals at hundreds of popular merchants and restaurants. Customers will find coupons and free shipping offers from top retailers and brands online and also receive discounts in stores and restaurants with mobile or print coupons.

Travel Savings and Vacation Packages

You can save up to 20% on rental cars and even more on cruises and vacation packages, simply by calling the toll-free number.

1Town and Country Bank is pleased to offer our customers insurance products as part of our Smart solutions Product. The Accidental Death & Dismemberment and Common Carrier insurance within this package is not FDIC insured. It is not a bank guarantee and it is not a deposit.

2Identity IQ Protect Pro is an Optional Benefit requiring enrollment and a valid e-mail address. Only one primary account holder is covered; you may enroll additional family members in Identity IQ Pro at a discount within the Security tab of the member benefit package site.

Actively enrolled Smart Solution Package Members -

To create your account and download the member benefits APP go to www.memberbenefitpackage.com. You will need your member ID number found on your punch out membership card on the front of your enrollment brochure- this is the brochure you received from your personal Town & Country banker. To enroll in the optional service, Identity IQ Protect Pro go to www.memberbenefitpackage.com and click on the Security tab. You will need the Member ID number on the front of your Member Benefits ID card for your free membership. To contact Identity Theft 911 call 866.602.2056 and provide your member ID# or log in to www.memberbenefitpackage.com and click on the security tab.

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Easy Switch Kit

Switching banks doesn't have to be difficult. We have helped many customers make the switch!

Smart Because

  • Easy move of automatic deposits and withdrawals
  • Helps closing your old checking account

Click now to make your switch!