Am I covered?

Let us know immediately if you suspect a transaction has been made on your account without your permission.

Am I Covered?

Do you believe an electronic fund transfer (EFT) has been made without your permission?

  • If you tell us within 2 business days after you learn of the unauthorized transfer, your maximum loss will be $50.
  • If you do not let us know about the unauthorized transfer within the 2 business days, your maximum loss will be $500.
  • You must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the date we have sent the Bank of Tennessee Statement to you. If you fail to do so, you could potentially lose the entire amount of the unauthorized transfer/s after the 60 days.
  • If your delay in notifying us was due to extenuating circumstances (i.e. long trip – hospital stay), we could extend the time period specified above.

 Help us prevent losses

  • Review your account Statement promptly after receipt. If you believe there are unauthorized tranfers in your statement, contact us immediately:
      • Visit one of our locations
      • Call our Customer Care Department at 866.378.9500
      • Send us an e-mail
  • Keep your Online Banking User ID and Password confidential.
  • Change your Online Banking Password on a timely basis.
  • Properly log out of your Online Banking Session by clicking the Exit button located on the top tool bar. Do not close the window by clicking on the x on the top-right corner
  • Be aware of who uses your personal devices (Smart phone – Tablet – Laptop – Desktop)

Report any unauthorized activity by visiting one of our branches, by calling Customer Care at 866.378.9500, or by sending us an email by clicking below.