What better time to start saving than now?

A Perfect Way to Save


Whether you’re saving for college expenses, retirement or next year’s vacation, we’re here to help you reach your savings goals.

christmas club 300
Relax While You Save

Carefree Savings

Let us help you with your short term savings goals. Carefree Savings lets you automatically transfer money to the account throughout the year. In October, you receive the funds to use however you wish. Open with as little as $5.

Start Saving Today!

Change Up 300×300


ChangeUp is a service provided to customers who have a checking and savings account. ChangeUp helps you save every time you spend simply by using your debit card.

What You Need

  • Checking Account
  • Savings Account
  • Debit Card

Learn More

Perfect Savings

  • Earn interest on balances of $100 or more
  • Tiered interest rates on higher balances
  • Free automatic transfers from checking
  • Open with as little as $100


Open Now

$2 quarterly fee if minimum daily balance of $100 is not maintained. Interest will be credited to the account quarterly.

Money Market

  • Earn interest on balances of $2,500 or more
  • Tiered interest rates on higher balances
  • Interest credited to your account monthly
  • Unlimited Bank of Tennessee ATM and over the counter debits
  • 6 withdrawals allowed per month

Open Now

$10.00 monthly fee if minimum daily balance of $2,500 is not maintained. $2,500 opening deposit. $10 per transaction fee over the allowable six per month.

Certificates of Deposit

  • Automatic renewal option
  • Fixed interest rate until maturity, up to 5 years
  • Choice of interest payment options
  • Open with as little as $500
  • Choose the term that suits your savings needs

Open Now

Penalty may be imposed for early withdrawal.


  • Start your retirement account with as little as $100
  • Flexible investment terms
  • Variable and Fixed rate options
  • IRAs offer the security of FDIC insurance
  • Learn about our Traditional, Education, and Roth IRAs

Open Now

child 300
It's never too early to start saving

Minor Savings

Bank of Tennessee knows the importance of steering your children’s financial future in the right direction. The first step in showing your children the importance of saving, adding small amounts regularly can add up to make a big difference!

We're here to help

Have Questions?

Stop in your nearest branch for more information, call us at 866.378.9500 or click below to email us.