• Making Your Money Work Harder

Making Your Money Work Harder

Checking convenience

When you select Premier Plus Banking, you also get the benefits of  Premier Checking, the account that puts the power of smart benefits to work for you, including:

  • Free ATM use anywhere in the U.S.*
  • Two overdraft fees waived per year
  • Free Banking Online with Bill Pay
  • A bonus rate on future CDs
  • Tiered interest -- the higher your balance, the more you earn
  • 50% discount on a safe deposit box
  • Free standard wallet checks
  • No service charge on traveler's cheques or cashier's checks

Special rate bonus on Money Market Savings

As a Premier Plus customer, we give you a rate bonus** on your Money Market Savings account that's currently .05%**. That ensures that the savings rate you enjoy with your account will always be higher than our standard posted rate. If you don't have a Money Market Savings account, be sure to show your Premier Plus membership card when you open one and ask for the rate bonus. See the rate comparsion below.

Balance APY*** APY with Premier Plus**
$0 – $9,999 0.01% 0.06%
$10,000 – $14,999 0.02% 0.07%
$25,000 – $49,999 0.03% 0.08%
$50,000 – $99,999 0.04% 0.09%
$100,000+ 0.05% 0.10%

No penalty early CD withdrawal for personal hardships

If you're ever faced with a personal hardship and need quick access to your money, you can withdraw funds from a CD without penalty. Just let us know that it's a personal hardship. We'll take care of the rest and waive the penalty.****

Dedicated First Link number

If you ever have questions about Premier Plus Banking, help is as close as your dedicated First Link number. Call us toll-free at 888-598-6003. Your call will be answered on a high-priority basis, with options to speak with a representative or use our automated menus.

*When using ATMs outside the U.S., a 1% International Service Assessment Fee will apply.

**Cannot be combined with any other savings offer. 0.05% rate bonus is current as of 5/01/2014, and is subject to change at any time without notice. Rate bonus can only be applied to a First Tennessee Money Market Savings account having the same owner(s) as the Premier Checking account. The standard Annual Percentage Yield (APY) for Money Market Savings is variable and subject to change. Your APY can also vary depending on balance. Rate bonus will be added to the standard variable interest rate in effect for your balance level on any given day. Cannot be combined with any other offer or promotion. Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic debits or withdrawals per month, including transactions by check or similar order payable to a third party.

***Standard Annual Percentage Yields (APY) are as of 4/01/2014 and are subject to change without notice. Fees may reduce earnings

****Partial withdrawals from a CD (other than an Add-On CD) are not allowed.

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Federal Deposit Insurance Corporation Banking products and services are provided by First Tennessee Bank National Association. Member FDIC. First Tennessee Bank National Association, and its banking division, Peoples Bank, are the same FDIC-insured institution. Deposits held under each trade name are not separately insured, but are combined to determine whether a depositor owner has exceeded the $250,000 FDIC insurance limit. All First Tennessee non-interest bearing checking accounts are fully guaranteed by the FDIC through December 31, 2012.