FIND THE CASH MANAGEMENT PACKAGE THAT'S RIGHT FOR YOUR BUSINESS

Our BizEssentials® Cash Management Package starts with one of our four checking account options. 

STEP 1: CHOOSE A CHECKING ACCOUNT

Cash Management Step 1 Result
Tell us a little about your business, and we'll suggest the best checking account option.
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Estimated Daily Balance
This is the daily balance (average) that you plan to have in your First Tennessee business checking account associated with Cash Management Package.
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TOTAL COMBINED BALANCES**
TOTAL COMBINED BALANCES**
Less than $25,000
$25,000 or more
This is the total daily balance (average) that you plan to have in your First Tennessee accounts under the same Tax ID or Social Security number. Accounts include business loans, lines of credit, business savings, CDs and personal checking and savings.
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I WOULD PAY A FEE TO EARN INTEREST
I WOULD PAY A FEE TO EARN INTEREST
No
Yes
Earn interest on account balances.  
ESTIMATED MONTHLY TRANSACTIONS*
The following activities can contribute to your monthly transactions.
If you have questions, please contact a Relationship Manager at 888-382-4968.
DEPOSITS
$50,000
200
WITHDRAWALS
100
500
300

Based on your selections, we suggest the following BizEssentials® Checking account:

Standard features included in all accounts:

STEP 2: CUSTOMIZE YOUR PACKAGE

Cash Management Step 2 result
Answer a few simple questions to find the cash management package right for your business.
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I ACCEPT PAPER CHECKS
I ACCEPT PAPER CHECKS
No
Yes
Transmission of funds through traditional, paper checks.
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I PAY EMPLOYEES & VENDORS ELECTRONICALLY
I PAY EMPLOYEES & VENDORS ELECTRONICALLY
No
Yes
Transmission of electronic funds directly from your bank account rather than through a paper check. 
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I CONDUCT BUSINESS INTERNATIONALLY
I CONDUCT BUSINESS INTERNATIONALLY
No
Yes
Make or receive payments to international companies such as suppliers, distributors, and/or manufacturers.
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I NEED HELP MANAGING MY FRAUD RISK
I NEED HELP MANAGING MY FRAUD RISK
No
Yes
Use of cash management tools to help manage fraud risk and reduce vulnerabilities.
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OVER A MONTH, MY AVERAGE BALANCE OF COLLECTED FUNDS IS
This is the average balance of collected funds (less any uncleared or uncollected deposits) in a bank account over a single month. 

Select up to four services listed below. Our suggestions are highlighted.

SUGGESTED SERVICE
remote deposit capture
Remote Deposit Capture i
Deposit checks anytime, from anywhere, and get them processed more quickly and securely.
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With Remote Deposit Capture, you can deposit checks electronically, anytime, from anywhere. If you have multiple business locations, Remote Deposit Capture allows you to maintain a single bank relationship, eliminating both wire costs and time-consuming task of reconciling accounts.

Remote Deposit Capture allows you to access the service online to scan and electronically transmit your deposits from anywhere, anytime.

SUGGESTED SERVICE
wire transfer
WIRE TRANSFER SERVICES i
Wire Transfer provides your business with a fast, highly secure transfer system for moving funds to and from accounts at other banks.
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Who can benefit from wires?

  • Companies that would like to quickly and securely move funds through financial networks and/or banking relationships
  • Organizations looking to reduce credit card chargeback and NSF activity
  • Businesses sending or receiving payments internationally
SUGGESTED SERVICE
ACH POSITIVE PAY i
Enjoy enhanced convenience and control of ACH debits with immediate pay/no pay decisions on potential fraudulent activity.
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Monitor your ACH debit activity online with additional protection from fraudulent entries – and without the tedious task of reviewing every item. 
SUGGESTED SERVICE
check positive pay
CHECK POSITIVE PAY i
Combat check fraud and forgery with this web-based tool.
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Positive Pay is a web-based tool that can help you combat check fraud and forgery by matching the checks presented for payment against check issue detail provided by your company.
SUGGESTED SERVICE
ach credit origination ach credit origination
ACH CREDIT ORIGINATION i

Tired of writing checks? With ACH Credit Origination, pay your employees and suppliers electronically. Efficiently manage these payables through Business Banking Online.

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ACH Credit Origination services can be used for:

  • Payroll Direct Deposit for your employees.
  • Exchanging paper checks issued to vendors with electronic payments, streamlining back-office expenses and minimizing potential fraud.
  • Conveniently making federal and state tax payments.
SUGGESTED SERVICE
wire international wire international
WIRE INTERNATIONAL BLOCK i
Get additional control that can be placed on an account that prevents the release of wired funds to any beneficiary located outside the U.S.
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Be sure that the funds you release to vendors or suppliers overseas are executed legitimately by designating an additional layer of pre-authorized approvals before a wire is sent.

DID YOU MEAN TO SELECT MORE THAN FOUR FEATURES?

If so, you may benefit from a discussion with a Relationship Manager. 

Please call 888-382-8998. 

MONTHLY COST

CHECKING ACCOUNT MONTHLY SERVICE CHARGE:
FEE WAIVER FOR CHECKING ACCOUNT:
SELECTED CASH MANAGEMENT SERVICES:
FEE WAIVER FOR AVERAGE COLLECTED BALANCES****:
Each increment of $30,000 in monthly average collected balances gives you an additional free service.
MONTHLY TOTAL:

STEP 3: TAKE THE NEXT STEP

READY TO GET STARTED?

Stop by or call your local financial center to schedule an appointment. 

WANT TO THINK ABOUT IT?

Give us your email, and we'll send a reminder.

WANT A COPY?

This downloadable document details your options.
COMPARE ALL OPTIONS
AVAILABLE FEATURES
Value Checking
Basic Checking
Standard Checking
Interest Checking
Transactions Per Month*
75
 
250
 
600
 
600
 
Earns Interest
 
Monthly Fees
$5
 
$15
Can be waived with minimum daily balance of $5,000
$25
Can be waived with minimum daily balance of $10,000 or $25,000 in combined balances
$25