A towel with a hood fixed to the top edge and two wristbands mounted on the interior of the towel. A person's wrist may be inserted through each band to secure the towel on the person and selectively wrap the towel around their body. At least one pocket is attached to the interior of the towel. A neck strap encircles the neck to secure the towel and hood in place. Each end of the strap is secured to the exterior surface of the towel at the sides of the hood. As a safety feature, at least one end of the neck strap ends is releasably secured to the surface and can be detached therefrom when a predetermined force is exerted on the strap. The towel can be folded into the interior of the hood and the neck strap used as a handle to hold the towel.