Banking Online requires:
Mac users can access accounts online with First Tennessee's Banking Online.
Yes. Because Banking Online is accessed through the Internet, you can use it from any computer with Internet access with a 128-bit encrypted browser.
You can view all your transactions for your checking, savings, and credit card accounts. You can see balances for the following:
The current balance you receive through Banking Online for Business is the closing information from the previous business day. The available balance you receive through Banking Online for Business includes ATM transactions, funds transfers, point-of-sale, and debit transactions completed throughout the day.
By setting up Entitlements, you can control other users' access to your account.
Please call 888-382-8998 and a Banking Online for Business Relationship Specialist will enable your new account.
|Account Type||Transfer From||Transfer To|
|Home Equity Lines of Credit||Yes||Yes|
|Home Equity Loans||No||Yes|
|Personal Lines of Credit||Yes||Yes|
The availability of funds after a transfer depends on two factors: the type of account into which funds are transferred and the time the transfer occurs. Refer to the following table for details.
|Account type into which funds are transferred||Funds transferred Monday through Friday 6:00 AM – 9:00 PM Eastern Time||Funds transferred Monday through Friday 9:00 PM– 6:00 AM, or anytime during the weekend|
| ||Immediate||Immediate for Banking Online transactions. Funds are not available to clear checks until the next business day.|
| ||Next Business Day||2 Business Days|
| ||2 Business Days||3 Business Days |
The Entitlements feature allows an "Admin" to grant access to selected employees to perform certain Banking Online for Business functions. An Admin has unlimited rights and access to bill payment and funds transfer for every account in your business profile. The Admin may add multiple Admins, and multiple users. For instance, one employee (user) may need to handle fund transfers while another employee (user) may only need to view the account or access bill pay. Employees (users) are able to access only those functions assigned to them by an Admin through the use of passwords and other security features.
Absolutely. Each time you log in to Banking Online for Business, one secure connection is opened to the bank. This connection is protected using Secure Sockets Layer (SSL) 3.0, which is a security protocol that prevents eavesdropping, tampering, and message forgery over the Internet. Additional protection is offered to online users in the form of firewall technology. Firewalls monitor all data traffic to and from First Tennessee, ensuring that only known users are able to gain access.
If you are a Business Banking Online Admin or regular user, you can contact Business Service Center at 888-382-8998 to have your password reset after confirming your identity. If you are a regular business user and have not established or setup your personal security questions, please contact the person with Admin rights in your organization to have your username or password reset.
You can pay practically anyone using First Tennessee's Banking Online for Business, including U.S. companies and individuals. The only payments not eligible for the service are those for alimony, child support payments, tax payments, and other court-directed or government payments, fines, and penalties. First Tennesseedoes not recommend using Bill Pay Online payment services to fund brokerage or investment services.
To guarantee on-time payment delivery, you will need to enter the processing date of all of your payments to be at least five business days before the actual due date.
The due date is the day your payment must be received by the payee, not including your grace period. The scheduled date is the day you want to start the process of sending your money to the payee. (Scheduled dates can only be days the bank is open for business.)
Tip: To get a feel for Bill Pay Online payment, you may want to send a payment to yourself. You will see what the check looks like and that all of the pertinent information the payee needs is on the check, such as your name, address, and account number. Of course, many payments are made electronically.
If you follow the simple guidelines above, First Tennessee guarantees that your payments will be received on time. If you follow the guidelines and your payment was not received or was late, call 888-382-8998. Any late fees up to $50 per occurrence will be refunded. If a payment posts late due to a payee's delay in processing, First Tennessee cannot be held responsible for the late fees.
If your payment was sent electronically or has been cashed by the payee, a stop payment request cannot be processed. We cannot guarantee a stop payment for 24 business hours. Same day bill payment processing begins immediately after you initiate it. Same day bill payments can only be deleted by First Tennessee Bank and future dated payments can be modified or deleted until 8pm Central Time on the date the payments are scheduled to be processed. Stop payments can be placed on payments that have already been processed for a fee of $20. Because the initial bill payment request will be sent, it may take up to two business days for funds to be returned to your account. The payee may assess a returned check fee for the stop payment, for which First Tennessee will not be responsible.
There is not a fee for Bill Payment Online.
Sure. It's easy to have recurring payments made automatically. (Recurring payments are those such as your mortgage payment which are the same amount every month and are paid at a set time.) You can schedule recurring payments using the Bill Pay Online option.
The majority of online bill payments will be processed electronically. However, some payees do not have the appropriate systems to receive electronic payments; therefore, they will receive a paper check. First Tennessee's bill payment provider is continually working with payees to establish an electronic relationship.
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