"Express Checking" from First Tennessee Bank

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The Basics

Minimum Opening Deposit
 
 $100.00
A $100.00 deposit is required to open this account.
Monthly Maintenance Fee
 
 $5.00
The monthly service fee is waived when you have at least one direct deposit per statement cycle.

Debit Cards & Using ATMs

Debit Card with Rewards
 
 $0.00/yr
First Tennessee offers a
Debit Card $0.00/yr
Non-affiliated ATM Usage Fee
 
 $2.00/per use
There is a $2.00 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
 
 $2.00/per use
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 1.00% of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking Free
Email Alerts
 
 Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold.
- Notice when an automated bill pay goes out.
Online Bill Pay Free
Mobile & Text Banking
 
 Free
This institution supports:
- A text messaging service to receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone, Blackberry, or Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- A Mobile Deposit feature is also available for customers with the Android or iPhone mobile application.
Deposit Checks with Mobile Phone
 
 Free
This feature is available on the iPhone and Android mobile application.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements No
Check Images with Statements Included
Online Statements Yes
Online Check Images Yes

Overdrawing the Account

Negative Balance Fee
 
 Yes
A $25 negative balance fee is charged on the 15th day and 35th day that your account has a negative balance.
Initial Returned Item Fee
 
 $35.00/per item
The Insufficient Funds Fee is $35.00 per overdraft.

*Fee will not be charged if the amount overdrawn is $5 or less.
Overdraft Protection
 
 Available
This checking account has multiple options for Overdraft Protection.
From a home equity line of credit, alternative line of credit, credit card or savings account:
- Transfer fee of $15.00. The transfer fee is charged per day;
- Funds may be transferred in increments depending on the details of the overdraft.

Savings and Money Market Accounts

Money Market Savings
 
 $9.00/month
'Money Market Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.01% at minimum balance to earn interest;
- 0.01% at minimum balance to avoid fees;
- 0.05% at $25,000.00

*There is an interest bonus for Premier Checking Account holders.
The account has a monthly service fee of $9.00. This fee can be waived if you maintain a combined balance of $5,000 in your deposit accounts OR if you have a Priority Choices, Relationship, or Premier Checking account in good standing.
Traditional Savings
 
 No Fee
'Traditional Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.02% on all balances.
The account has no monthly service fee, but does have a quarterly maintenance of $5.00. This quarterly fee can be waived if you maintain a minimum balance of $250.00 every three months.

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