Business Checking Accounts

Text Size Resize text smaller Back to default text size Resize text larger

We offer a business checking account that allows you more time to focus on your business without the hassle of accounting for monthly fees and variable activity charges.**

** Overdraft item fees or return item fees may apply .  Also fees may be applicable if business signs up for cash management or other fee based service. 

Common Features to all TSB Checking Accounts: 


  • Unlimited Check writing
  • No per item fee
  • 24/7 access to telephone banking - (865) 908-Bank (2265)
  • Unlimited over-the-counter teller transactions
  • Free ATM/Debit Cards
  • No annual fee Elite Business Visa® Credit Card (subject to credit approval*) 

*Please see the Elite Business Visa® Credit Card Application & Disclosure for additional credit plan terms.

  • Free Notary Service
  • Free access to Mobile Banking
  • Free TSB NetTeller Online Banking with bill pay (Basic Plan). See Cash Management for more options.

Commercial Checking Account


  • No minimum daily balance requirement
  • No monthly service charge
  • No per transaction fee
  • $100 minimum opening deposit
  • No analysis fees*
  • FREE VISA® DEBIT CARD (maximum of 2 cards per account) 
  • NO ANNUAL FEE Elite Business Visa® Credit Card (subject to credit approval).  Please see the Elite Business Visa® Credit Card Application & Disclosure for more information.  

*Only accounts that use Tennessee State Bank as a "pass through" may be charged analysis fees.  

All In One NOW Commercial Checking Account*


  • Avoid a low monthly service fee by maintaining a daily balance of $1,000 or more 
  • $100 minimum opening deposit 
  • No per transaction fee 
  • Account earns interest based on tiers of less than $2,500 and $2,500 and greater See current rates.

*The All In One NOW Commercial Checking Account is available to Sole Proprietors and Non-Profit Organizations 

Commercial – Sole Proprietor Checking Account* 


  • All the same great features of our Business Checking 
  • Interest is earned at a variable market based rate 
  • $25 minimum opening deposit 
  • $500 No Bounce Advantage™ Limit*
  • Free Safe Deposit Box (3x5) 
  • Free Cashier's Checks / Money Orders / Travelers Checks
  • NO ANNUAL FEE Elite Business Visa® Credit Card (subject to credit approval).  Please see the Elite Business Visa® Credit Card Application & Disclosure for more information.

*The Commercial-Sole Proprietor Checking Account is not available to money services businesses. Refer to the No Bounce Advantage ™ terms and conditions. Normal overdraft item fees apply.

No Bounce Advantage™ 

No Bounce Advantage TM is a special overdraft program designed to pay inadvertent transactions when you do not have enough funds on deposit with us. The overdraft program is granted to our Commercial Sole Proprietor Checking Account customers when the eligibility requirements of the program are met.  The No Bounce Advantage limit will be $500.  If you use No Bounce Advantage an overdraft item fee of $30 will be charged for each transaction and the amount of the overdraft item(s) will be subtracted from your overdraft limit. More than one overdraft item fee may be imposed against the overdraft limit per day, depending on the number of transactions presented on, and other withdrawals made from, your account. The bank will notify you by mail when an overdraft occurs.

Overdraft item fees may be charged when an overdraft is created by check, in-person withdrawal, ATM withdrawal, the return items deposited by you unpaid, the imposition of service charges, the deposit of items where funds are not immediately available, or other electronic means.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts.

You must bring your account to a positive balance at least every 30 days by depositing funds in excess of the amount of the overdraft limit you have used.  

You should refer to the No Bounce Advantage disclosure for the full terms and conditions of this overdraft program. There may be less  expensive alternatives available to you to cover overdrafts, for example, a link to another account owned by you at our institution. Please inquire with a customer service representative.

For more information, simply click on Contact Us and request it; we'll respond promptly.