SO DO WE.
Innovative, everyday items like the wheel have brought convenience to our lives. We believe banking should be simple, too. That's why we offer financial solutions to make our customers' lives simpler.
Here's a simple idea --
EARN UP TO $500*
with Pay Back Checking
IT'S SIMPLE TO GET PAY BACK:
Open a new Pay Back Checking account in any of our branches
Deposit and maintain a minimum of $5,000 in new funds to Bank of Tennessee
Setup a direct deposit into your account
Make 15 debit card transactions during the promotional period
Sign up for electronic statements
Free access to all of our digital services, including online and mobile banking, mobile deposit, mobile payments, personal financial management and much more.
ENJOY THESE PAY BACK CHECKING FEATURES:
• $100 Bonus for $5,000 minimum daily balance
• $200 Bonus for $10,000 minimum daily balance
• $300 Bonus for $25,000 minimum daily balance
• $500 Bonus for $50,000 minimum daily balance
Lost or stolen debit card? No worries, we can create a new one in a matter of minutes at any of our branch locations.
Access your cash from any ATM in the U.S. with absolutely NO transaction fees.
PAY BACK REWARDS
Banking designed with you in mind
Choosing a bank is not an insignificant decision, and you have many options when selecting the right financial partner for your family or for your business.
That’s why our mission is to provide an uncompromising customer experience, featuring just-right-for-you products, delivered in the most modern channels, and powered by a talented team of friendly and knowledgeable people who go above and beyond to deliver touches that people don’t expect from a bank.
We have traditional branches located from Middle Tennessee to Western North Carolina. We'd love for you to come by!
DRIVE THRU plus offers you all the services you need with personal assistance from a teller with extended banking hours.
Safe and secure digital banking tools that give you the freedom to take your accounts anywhere you have internet access.
A locally owned and operated community bank focused on our serving our customers and communities.
OFFER TERMS AND CONDITIONS
1 Offer valid for new personal Pay Back Checking accounts opened on or after June 26, 2019. Funds to open the account must be considered new funds to the bank. The promotion period is defined as 120 days after the opening date of the Pay Back Checking account. To qualify for the reward payout, the account must maintain the required minimum daily balance from day 31 through day 120 after the account is opened. The Pay Back Checking account will automatically convert to an Everything Perfect Checking account 121 days after the account is opened and the promotional period has ended.
Eligibility: Offer only available on new personal Pay Back Checking accounts opened on or after June 26, 2019 using new funds. Existing customers are eligible if they open a new Pay Back Checking account and meet all the criteria, using funds outside of Bank of Tennessee, Carter County Bank and Mountain Community Bank divisions. Primary account holder must be 18 years or older. Bank of Tennessee employees and their families are eligible if they meet all the criteria. Offer available to U.S. residents with a valid I.D. and Taxpayer ID inside the state of Tennessee and neighboring counties of states bordering Tennessee.
Reward Processing: Reward amount will be based on the lowest balance maintained between days 31 and 120 after account opening. The reward will be automatically credited to your checking account within 7 days after the promotion period has ended. “Interest Adjustment/Bonus” will appear as the description on your monthly statement. Bank of Tennessee will report the value of any reward received as part of this promotion to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.
Reward Forfeiture: If the Pay Back Checking account is converted, closed, or does not meet all criteria requirements, no reward will be earned. The Pay Back Checking account must remain open and in good standing after the promotion period has ended and until the reward is credited to the account.
Other Terms: Minimum opening deposit is $100. Cannot be combined with other offers. Offer is nontransferable. Please see Pay Back Checking details for fees that may apply. Fees may reduce earnings and can change at any time.
2 Direct Deposit: a qualifying direct deposit is a recurring or one time ACH deposit i.e. payroll, social security, or other regular monthly income deposited in to your Pay Back Checking account from an outside entity within the promotion period. Transfers from one account to another, or deposits made at the branch or ATM do not qualify.
3 Debit Card Transactions: at least 15 qualifying PIN or Signature based transactions that post to the account within the promotion period to qualify. Pending transactions, ATM withdrawals and branch withdrawals do not apply.
4 Electronic Statements: You must sign up for E-Statements or Easy Statements delivered through Online Banking within the promotion period.