Reducing Fees
Below is a list of fees that are charged for checking account maintenance, services and activity, and ways to minimize or avoid those fees.

Checking

Account Service Charge How to minimize or avoid these service charges
Select Checking $9 per month 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. Enroll in free Statements Online.
Express Checking $5 per month 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.
Premier Checking $9 per month 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.
Premier Plus Banking Bundle $6 per month 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.
Classic Checking $6 per month 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.

Services

Services Service/Activity Fees How to minimize or avoid these fees
ATM

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. No charge for using more than 43,000 ATMs nationwide in the Allpoint Network. $3 for each account transaction or balance inquiry** at non-First Tennessee or non-Allpoint ATMs.

Use our locator tool to find a First Tennessee financial center or an Allpoint ATM near you.

Enroll in Premier Checking for free ATM use anywhere in the U.S.*

Overdraft Fees

Fee How to minimize fees
Overdraft charges $37 each. 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.
Overdraft protection $15 once-per-day transfer fee Connect your checking account to a personal savings account, 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.

 

Overdraft Protection

Overdraft Protection icon

Protect your account from overdrafts with an overdraft protection plan.

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