What holidays are you closed?

  • New Years Day
  • Martin Luther King Day
  • President's Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veteran's Day
  • Thanksgiving
  • Christmas
  • Early close Christmas Eve (1:00 p.m.)

What is the bank's routing number?

Town and Country Bank's routing number is 071123262. You can find our routing number on Town and Country Bank personal checks.

How do I locate the Bank's routing number on my checks?

To locate the numbers, look at the bottom of your Town and Country Bank personal checks. The first nine numbers in the series is the bank's routing number. The last series of numbers it that particular check's check number.

For business accounts, the second set of numbers on the business check is the routing number.

How can I correspond with the bank?

Mail: PO Box 13255, Springfield, Illinois 62791

E-mail: support@townandcountrybank.com

Phone: 217.787.3100

What is the Solution Center?

When individuals call a specific location or our main phone number (217.787.3100), all incoming calls are received by the bank's Solution Center staff. Connecting calls to any employee at your request is just the beginning of what they do. The Solution Center specializes in answering inquiries on checking and savings accounts, CD's, current loans and mortgages, online banking and the Anytime Line. Ordering checks, assisting with stop payments and any issues you may be having with your debit card are a few more things to add to the list. Our Solution Center strives to decrease the amount of time you have to be on hold and the number of times your call gets transferred.

I'm locked out of my online bank account. What do I do?

Call us at 217.787.3100 during regular business hours and we will reset your account. Not a problem.

Does Town and Country provide assistance to those trying to rebuild their credit?

Yes. The bank provides a service called Opportunity Checking to help you on your way to improving your credit score and building savings.

While you are listed on ChexSystems, you can take advantage of this checking account while regaining financial stability. Account holders are subject to a monthly service fee, and also have access to online banking and bill pay.

Does the bank have any special accounts for seniors?

Yes. Designed especially for our community's senior citizens, the Senior Account allows you to access your accounts online, as well as take advantage of online bill pay. There is no maintenance fee or minimum daily balance required. You must be 65 or better to utilize this account.

How do I report a lost or stolen card?

Please let the operator know you are a Town and Country Bank customer. You'll be asked to verify your personal data.

  • 866.770.3100 - The Bank's toll free number to call from 8:00 am - 5:00 pm Monday through Friday to report any lost/stolen card
  • 866.546.8273 - After hours number to report a lost/stolen Visa Check Card (Debit Card)
  • 800.558.3424 - After hours number to report a lost/stolen Personal Visa Credit Card
  • 866.552.8855 - After hours number to report a lost/stolen Business Visa Credit Card.

Where are your ATMs located?

In addition to the ATMs at our banking facilities, your Debit/ATM card is also connected to the MoneyPass network, giving you access to more than 22,000 ATMs across the US. To find your nearest location or to download the MoneyPass app for your mobile device, visit www.moneypass.com.

What is a community bank?

Unlike multi-state and multi-national banks, a community bank is locally owned and operated. We offer all the standard banking services including checking, savings, loans, mortgages, trusts and investments, safe deposit boxes, etc. for both consumers and business customers.

The advantage of banking with a community bank is that we are locally owned and operated. This means that all lending decisions are made locally by people who understand the unique challenges and financial needs of the business people and residents who live and work Central Illinois.

But don't assume that your money is not safe in a community bank just because it is smaller. Community banks are governed by the same laws that govern the bigger banks and your money is insured by the FDIC.

I am moving and have a new mailing address. What's the easiest way to for me to update my contact information?

You can update your contact information safely and securely online. You may also come into one of our convenient locations and one of our helpful team members will be happy to assist.

Can I access my account through my mobile phone?

Of course! For iPhone users, the app may be downloaded via iTunes. For Android users, the app may be downloaded via Google Play.

Peoples Prosperity Bank, a division of Town and Country Bank, customers may download the app via iTunes and via Google Play.

For all other devices for Town and Country Bank and Peoples Prosperity Bank, visit www.airteller.com/townandcountrybank.

How much insurance coverage does the FDIC provide?

The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

The FDIC insures deposits that a person holds in one insured bank separately from any deposits that the person owns in another separately chartered insured bank. For example, if a person has a certificate of deposit at Bank A and has a certificate of deposit at Bank B, the accounts would each be insured separately up to $250,000. Funds deposited in separate branches of the same insured bank are not separately insured.

The FDIC provides separate insurance coverage for funds depositors may have in different categories of legal ownership. The FDIC refers to these different categories as "ownership categories." This means that a bank customer who has multiple accounts may qualify for more than $250,000 in insurance coverage if the customer's funds are deposited in different ownership categories and the requirements for each ownership category are met.

What does FDIC deposit insurance cover?

FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, negotiable order of withdrawal (NOW) account, savings account, money market deposit account (MMDA) or time deposit such as a certificate of deposit (CD).

FDIC insurance covers depositors' accounts at each insured bank, dollar-for-dollar, including principal and any accrued interest through the date of the insured bank's closing, up to the insurance limit.

The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank.

The FDIC does not insure safe deposit boxes or their contents.

The FDIC does not insure U.S. Treasury bills, bonds or notes, but these investments are backed by the full faith and credit of the United States government.

What does it mean when Town and Country Bank says it's FDIC Insured?

The FDIC — short for the Federal Deposit Insurance Corporation — is an independent agency of the United States government. The FDIC protects depositors of insured banks located in the United States against the loss of their deposits if an insured bank fails.

Any person or entity can have FDIC insurance coverage in an insured bank. A person does not have to be a U.S. citizen or resident to have his or her deposits insured by the FDIC.

FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC began operations in 1934, no depositor has ever lost a penny of FDIC-insured deposits.

Visit the FDIC website for more information about FDIC insurance and to access the online Electronic Deposit Insurance Estimator (EDIE).