Use your Pen, not your PIN.
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 Reward 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 call us at 866.378.9500 or send us an e-mail