Use your Pen, not your Pin.

Earn Happy Rewards, just for using your Debit Card.

Bank of Tennessee Debit Card customers accrue points automatically when they utilize their debit card as a credit transaction. Additional forms to fill out are not necessary. Current customers are automatically a member of the new Happy Rewards program.

• Accrue 1 point for every $2 spent via signature transaction
• Additional protection from credit card fraud
• Accumulate points for Happy Rewards
• Quarterly statement accrual notification

How to complete a qualifying signature transaction

• During a purchase, if a customer is prompted for their PIN or to choose "credit" or "debit", select "credit" and sign your name
• Always sign the sales receipt when available
• When prompted for "credit" or "debit" without an attendant, opt for "credit" to receive the same benefits
• Transactions will be posted and affect your account in the same manner; as a debit transaction

How to redeem Happy Rewards points

• Click here to Browse items to purchase with your reward points and make your merchandise or travel selection
• Merchandise is shipped directly to you, free of charge

If you have further questions, please contact us at customercare@bankoftennessee.com or call at (866) 378.9500.