* Offer Details: Offer expires 07/31/2016. To receive bonus, you must open your account at a financial center and present a copy of the offer certificate, or open your account online by clicking the link on this page and ensuring the code SWT150 appears where "Promo code" is requested. To receive your bonus, you must have an opening deposit of at least $300 and at least one direct deposit must post to your account within 60 days of opening. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the bonus will be credited to your account within 6 weeks of the first direct deposit and will be reported as income on Form 1099-INT. Limit one bonus per household. Cannot be combined with other checking offers. This offer is for new checking households only, or for households that have not had an open First Tennessee consumer checking account in the previous 12 months. Customer agrees to maintain account in good standing for a minimum of six months. As of 04/28/2016, the Annual Percentage Yield (APY) for Premier Checking was: 0.01% for balances of $0-$4,999 and 0.02% for balances of $5,000 and greater. APY is variable and subject to change without notice. APYs are for accounts opened in the Memphis area and may vary in other markets. Fees may reduce earnings. Premier Checking $12 monthly fee is rebated if you have at least $5,000 in combined deposit balances (Checking, Savings, bank IRA, CDs). Balances determined on statement closing date. Account openings are subject to bank approval and may be declined based on certain factors. This offer may be withdrawn or modified prior to acceptance.
** A $35 fee may be assessed, limited to four per day, for paying overdrafts that result in an overdrawn balance of $5 or more. Also, a $25 fee is charged on the 15th and 35th day that an account remains continuously overdrawn. Fees may be imposed for covering items created by check, in-person withdrawal, ATM withdrawal or other electronic means. When your account is overdrawn, you are obligated to bring it to a positive balance immediately. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
† Mobile carrier messaging and data rates may apply.