Treat Yourself
Get $150* when you open a new checking account with direct deposit

Enjoy a $150 bonus* when you open your new account with direct deposit (see offer details).

Choose from four different checking account options, each with great, FREE perks like First Tennessee Cash Rewards®, Digital Banking, Mobile Banking and much more. So what are you waiting for? Apply today!


Earn a $150 bonus when you open a checking account with direct deposit. Apply today.

Rather open your account in person?

Print Certificate and bring to a financial center.


More choices and better service

No wonder we were named one of the TOP 5 Most Reputable Banks by American Banker and The Reputation Institute.

One of America's Top 5 Most Reputable Banks

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


* Offer expires 04/30/2018. This offer is only available to residents of Tennessee, North Carolina, Georgia, Alabama, Mississippi, Arkansas, Kentucky and parts of Virginia (Bristol, Weber City, Gate City). To receive your bonus, you must open your account and present a copy of the offer at a financial center or open the checking account online (starting at ftb.com/150bonus) and ensure the code QCH150 appears in the online application where “Offer/Promo code” is requested. 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 $150 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 at either First Tennessee or Capital Bank, as well as households who have closed a consumer checking account at either First Tennessee or Capital Bank within the previous 12 months, 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 12/01/2017, 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. Please visit a financial center or ftb.com to understand the monthly service charges that are associated with various checking accounts, as well as ways that the monthly charges may be rebated. Account openings are subject to bank approval and may be declined based on certain factors. FSR: Please use promo code QCH150

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 $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.
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.