Switch now and take home up to $150.*

Open a checking account with direct deposit = $100 bonus
Add a Money Market Savings = $50

(See offer details below*)

Earn a $100 bonus when you open a checking account with direct deposit. Apply today.

Enjoy a $100 bonus* when you open your new account with direct deposit (see offer details). Choose from several great checking options to manage your money, and then get started by applying right from your phone. 


Ready to save? Open a savings account and enjoy a $50 bonus.**

  • Money Market Savings:
    • No monthly service charge if total combined balance in First Tennessee deposit accounts is at least $5,000. Otherwise, a $9.00 monthly fee will be assessed.
    • Tiered interest at money market rates based on your daily balance.
    • To receive the bonus, a $5,000 deposit is required in the first 30 days of account opening. See other offer details below.

Learn more about Money Market Savings.

Apply Now or Print Certificate and bring to a financial center.


Questions? Contact us at 888-354-1340 or stop by a branch.


* Offer expires June 30, 2017. To receive bonus, you must open your account at a financial center and present a copy of the offer, or open your account online starting at this page and ensure promo code CHKMBL appears where the promo code is requested. To receive your $100 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 account 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. 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. Account openings are subject to bank approval and may be declined based on certain factors. As of 04/28/2016, the Annual Percentage Yield (APY) for Premier Checking was: 0.01% for balances $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.
** Offer expires June 30, 2017 To receive your bonus, open your account online and ensure code SMBL30 appears where “Promo code” is requested, or open your account at a First Tennessee financial center and present a copy of the offer. You must open a new Money Market Savings account with an opening deposit of at least $2,000, and make total deposits of at least $5,000 in the first 30 days. Offer is available to new First Tennessee savings households only, or for households who have not had an open First Tennessee consumer savings account in the previous 12 months. Qualifying deposits cannot be transferred from existing First Tennessee account. The bonus will be credited to your account within 6 weeks of meeting all requirements and will be reported as income on Form 1099-INT. Limit one bonus per household. Customer agrees to maintain accounts in good standing for a minimum of six months. No minor accounts. The Annual Percentage Yield (APY) for Money Market Savings is 0.01% for balances of $0-$9,999; 0.01% for balances of $10,000 - $24,999; 0.02% for balances of $25,000-$49,999; 0.02% for balances of $50,000-$99,999; and 0.03% for balances $100,000 and greater. All APYs are as of 04/28/2016 and are variable and subject to change. APYs are for accounts opened in the Memphis area and may vary in other markets. Fees may reduce earnings. A $9 monthly fee is waived if combined balance in First Tennessee deposit accounts is at least $5,000.The Savings account is limited by law to six (6) pre-authorized or electronic debits or withdrawals per month, including transactions by check or similar order payable to a third party. Account opening subject to bank approval and may be declined based on certain factors.
FSR: Please use Coupon Redemption System. Promo code for $100 checking offer: CHKMBL. Promo code for $50 Savings offer: SMBL30.

1 Monthly service charge will be rebated if you have one direct deposit per monthly statement cycle.
2 All checking accounts include a free standard debit card. A $8 issue fee applies to premium debit cards.
3 There may be charges by your cellular provider associated with data usage on your phone. Check with your wireless phone carrier for more information.
4 Paper statements are not available.
5 Monthly service charge will be rebated if you have one direct deposit and at least 15 customer-initiated account withdrawals (for example, checks, ATM withdrawals, and debit card transactions) per monthly statement cycle.
6 $2 per month for mailed image statements or $3 per month for conventional statements.
7 A $37 fee may be assessed, limited to four per day, for paying overdrafts that result in an overdrawn balance of more than $5. 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.
8 Monthly service charge will be rebated if you have $5000 in combined deposit account balances (Checking, Savings, bank IRA, CDs). Balances are determined on the closing date of the account statement cycle.
9 Free in the U.S. 1% international service assessment fee applies outside the U.S.
10 Free standard wallet checks or 25% discount on other styles.
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First Tennessee Bank National Association operating as First Tennessee Bank and Capital Bank. Member FDIC.