Town & Country Bank is dedicated to ensuring security and privacy for each and every customer. Our Privacy Policy explains in detail what we do with your personal information including: what information we collect and how we use that information. Click here to view details of our Town & Country Bank Privacy Policy or to exercise your privacy choice.

Federal Reserve Board

Town & Country Bank's Primary Regulator:

Federal Reserve Bank of St. Louis

    One Federal Reserve Bank Plaza
    Broadway and Locust Street
    P.O. Box 442
    St. Louis, MO 63166-0442

FDIC and My Accounts

Town & Country Bank is an FDIC insured bank. For more information about FDIC insurance coverage visit:

NMLS (Lender) Registry

Lenders who originate mortgage loans are required to be registered. You may verify Mortgage Companies and individuals at the Nationwide Mortgage Licensing System (NMLS) and Registry Consumer Access site:


FAQ's -

Q: What is Town & Country Bank's Routing/ABA #?
A: 081503704

Q: What is Town & Country Bank's SWIFT code?

Q: Are my deposit accounts FDIC insured?
A: Town & Country Bank is a Member of the FDIC. For more information about FDIC insurance coverage visit:

To calculate FDIC insurance coverage amounts visit the FDIC's Electronic Deposit Insurance Estimator (EDIE) at:

Q: How do I set up direct deposit?
A: Most employers, retirement plans, Social Security and other entities have a form that you will sign authorizing direct deposit. This form will request your account number and bank routing number. Town & Country Bank's nine digit routing # is 081503704. Town & Country Bank checking and savings account numbers are ten digits in length. Checking account numbers can be found at the bottom of your check. If you need assistance completing the form or setting up direct deposit, contact your local banking center.

Q: Can I check my account balance by phone?
A: Yes. Account information is available with our Customer Service Representatives during business hours at any of our locations. In addition, try our Voice Response System, Dial-A-Bank, for automated account information 24 hours a day. You are automatically enrolled in Dial-A-Bank when you open an account. Simply call your local banking center to receive your assigned PIN # and unique Dial-A-Bank number for your area.

Q: Can I open an account if I do not live in the United States? What if I live in the United States but am not a citizen yet?
A: At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact a banking center near you.

Q: How frequently is my deposit account information updated?
A: Your account information is updated at the end of every business day (Monday - Friday) with the transaction(s) received that day.

Q: How can I receive E-statements?
A: If you are currently enrolled in Online Banking you will log in. Once you are logged into Online Banking select the Additional Services tab and then select Online Statements. Follow the simple instructions provided.

Q: How can I make a deposit to my account from a remote location?
A: There are several ways to make a deposit remotely; ACH (Automated Clearing House), wire transfer, mail or with your phone using our Town & Country Bank Mobile Check Deposit Service*. See the FAQ general section for bank routing information to assist with ACH or wire transfer transactions. See the Mobile Banking Section for information on mobile check deposit services. If you choose to mail your deposit please mail the deposit to the Town & Country Bank location you use with frequency. Town & Country Bank location address information can be found in our Contact Us section click here.

Q: Can I use my phone to make deposits?
A: Yes, simply download the Town & Country Bank App. Using the Town & Country Bank Mobile Banking App; log in and select Deposit. Follow the steps given to enroll.*

*Mobile check deposit is subject to approval. Data rate plans & text messaging rates from your service provider may apply.

Q: My ATM/Debit Card has been lost or stolen. What Should I do?
A: To report a lost or stolen Town & Country Bank ATM or Debit Card, call 1.800.264.5578.

Q: Can I increase the limit on my Debit Card?
A: Yes, with bank approval, temporary increases can be made to allow larger purchases. Call your local banking center to request the limit you need for your next big purchase.

Q: What is the difference between an ATM and Debit Card?
A: A Town & Country Bank ATM card can be used to withdraw cash at automatic teller machines world-wide. Transactions made at a Town & Country Bank ATM machine have no transaction fees. A Town & Country Bank Debit Card can be used just like an ATM card at automatic teller machines world-wide. In addition, our Town & Country Bank Debit card can be used to pay for purchases anywhere that accepts MasterCard. The funds for these transactions are taken directly out of your checking account with no fees or interest charges.

Q: Which automatic teller machines will accept my Town & Country Bank ATM/Debit card?
A: A Town & Country Bank ATM/Debit card can be used at any automatic teller machines world-wide that accepts Discover/Novus, MasterCard, American Express, Cirrus, Visa, Money Pass and Pulse.

Q: How can I avoid transaction fees with my card?
A: You can use your Town & Country Bank ATM/Debit card at any of Town & Country Bank ATMs without any transaction fees. In addition, get the full value of your money by using any of the 24,000+ Surcharge- free* MoneyPass ATMs from coast to coast. Click here to find Town & Country Bank ATM locations and Surcharge-free ATM locations near you.

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

Q: How can I protect my Debit Card from Fraud?
A: Review your accounts on a regular basis to keep track of your balance and account activity. If you think you have been a victim of theft or fraud, act quickly by contacting us or the credit bureaus. Click here to learn more

Q: What does the bank do to protect my account from fraudulent debit card activity?
A: All cards we issue are protected by FraudWatch PLUS, a program that provides industry-leading technology, tools and proven expertise to manage fraud. Experience analysts work around the clock watching for any suspicious card activity. If potential fraud is detected on your card, a fraud analyst will attempt to contact you immediately to verify the authenticity of the transaction.

Q: How does Online Banking Work?
A: Online Banking allows you to view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more from your personal electronic device.

Q: How do I enroll in online banking?
A: Simply go to the home page and in the top right corner and in the log in area click "New User". Complete the Online Banking Registration form, print and sign. Return this signed document to your local banking center and your request will be processed within 24-48 hours of receipt. Online banking participation requires ownership of a savings, checking, or loan account.

Q: Can I get notifications and alerts via e-mail?
A: E-mail alerts and notifications are available. To participate simply log in to Online Banking, go to the Additional Services tab and select Mobile Banking and Alerts. E-mail alerts and notification options are located near the bottom of the page.

Q: Does Town & Country Bank offer Mobile Banking?
A: Yes, simply type in your browser to access Mobile Web Banking.

Q: Does Town & Country Bank have a Mobile Banking App?
A: Yes, you can find Town & Country Bank's Mobile Banking App for the IPhone or Android.

Q: Can I use my phone to make deposits?
A: Yes, simply download the Town & Country Bank App. Log In and select Deposit. Follow the steps given to enroll. *

*Mobile check deposit is subject to approval. Data rate plans & text messaging rates from your service provider may apply.

Q: Can I use my phone to check my balance or to transfer funds between my Town & Country Bank accounts?
A: Yes, using the Town & Country Bank app you can check balances, transfer funds between accounts and pay bills.

Q: Can I check my balance with text messaging?
A: Yes, you can check your balance, view recent transactions and transfer funds between existing Town & Country Bank accounts. To participate, log into Online Banking, go to the Additional Service tab and select Mobile Banking and Alerts. Complete the requested information to participate in any mobile banking services available.

Q: Can I pay bills using my phone?
A: Yes, using your Town & Country Bank App you can pay bills to any Payee that you have already established as a Payee in your Online Banking Bill Pay.