Open a checking account and earn $100.*
(See offer details below*)
Earn a $100 bonus when you open a checking account with direct deposit. Apply today.

Earn a $100 bonus* when you open an account and have direct deposit. Applying online is simple, secure and fast. Compare your choices above, and apply now.

Rather Apply in Person?

Print Certificate  and bring to a financial center.

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

*Offer expires 04/30/2019. Offer is only available to residents of TN, AR, MS, GA and parts of VA (Bristol, Weber City, Gate City). To receive your bonus, you must open the checking account online starting at this page and ensure the code LOCATE appears in the online application where "Offer/Promo code" is requested, or open your account and present a copy of the offer at a financial center. To receive your bonus, you must have an opening deposit of at least $50, 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. Limit one bonus per household. Cannot be combined with other checking offers. This offer is for new checking households only. Households who have a current consumer checking account or who have closed a consumer checking account in the past 12 months at either First Tennessee or Capital Bank are not eligible. Customer agrees to maintain account in good standing for a minimum of six months.There are several checking accounts to which this bonus offer applies. One example is Premier Checking. As of 01/31/2019, 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. Subject to bank approval.

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.