Personal | Banking | Avoiding or minimizing fees
At First Tennessee, we work hard to provide you with the most up-to-date and convenient products and services, which we hope you find of value. Below is a list of fees that are charged for checking account maintenance, services and activity, and ways to minimize or avoid those fees. Please use this chart to find the account and fee structure that best fits your needs. Simply click on the plus sign next to each listing for more detailed information.
Service charge is rebated if you make at least one direct deposit AND have a minimum of 15 debit card transactions (pinned or signature items) per statement cycle
If you do not use the account much, but carry higher balances, Premier Checking may be a better option. Or if you only have Direct Deposit, converting to Express Checking may work better.
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Service charge is rebated with one direct deposit per statement cycle
If you do not use direct deposit, but carry higher balances, Premier Checking may be a better option.
No service charge if you have $5,000 minimum combined balances1
If you use direct deposit, do not carry these balances and want to avoid monthly maintenance service charges, you may want to consider converting your account to Select or Express Checking.
No service charge if you have $25,000 minimum combined balances1
If you do not carry these balances and do not want the additional features available with Premier Plus, you may want to consider removing the Plus bundle, or converting your account to Select or Express Checking, as they do not have balance requirements.
If you meet the requirements of any of the other checking accounts listed above, consider switching to a different account to avoid the monthly service charge
No charge when using an ATM card or First Tennessee Visa® Debit card issued by First Tennessee for deposits, cash withdrawals, or most balance inquiries** at First Tennessee ATMs
$2 for each account transaction or balance inquiry at non-First Tennessee ATMs
Use our locator tool to find a First Tennessee financial center or ATM near you
Enroll in Premier Checking for free ATM use anywhere in the U.S.*
To learn more, click here.
You can also opt out of certain types of overdraft transactions. For more information on our overdraft policies, fees, and how to opt in or opt out, click here.
Enroll in Premier Checking to take advantage of two overdraft fees waived per year, or enroll in Select Checking for one overdraft fee waiver per year
In order to reduce overdraft fees and make sure your items get paid, consider the Overdraft Protection products outlined below.
$15 once-per-day transfer fee
Connect your checking account to a personal savings account, First Banking Reserve, credit card, or HELOC. There is a $15 once-per-day overdraft transfer fee assessed to your checking account each day one or more transfers is made.
Click here to learn more about our overdraft protection products and how to protect yourself from overdraft charges.
Visit our account and service fee summary page to learn more about all fees at First Tennessee.
Talk to a representative at a Financial Center near you, e-mail us, or call our FirstLink Customer Service line at 800-382-5465.
*When using ATMs outside the U.S., a 1% International Service Assessment Fee will apply.
**There is a $2 charge for each ATM Quick Statement.
1 Determining Combined Balances and Service Charges. On your Premier Checking account and Premier Plus Banking Bundle monthly statement cycle closing date, we total all your current First Tennessee deposit balances in checking and savings accounts and the principal amounts of all time deposits.
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DON'T FORGETIt’s important to monitor your account closely and ensure the cell phone numbers and email addresses with your account are up-to-date, so that we can contact you in the event of an account issue. For more security tips, click below.
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