Checking Accounts

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     Common Features to all TSB Checking Accounts:

• $25 Minimum Opening Deposit 
• Unlimited Check Writing 
• No Per Item Fee 
• Unlimited Over-The-Counter Teller Transactions  
• Unlimited Deposits at any TSB location 
• No fee for Standard ATM/Debit Cards 
• 24/7 Access to Telephone Banking - (865) 908-BANK (2265) or Toll Free (877) 908-4TSB (4872)  
• No fee for TSB NetTeller Online Banking with Bill Pay(1) 
• No fee for Monthly eStatements(1) 
• No fee for Text Banking(1)
• Access To Mobile Banking Downloads(1)

(1)Third party data & messaging rates may apply

 

        A variety of TSB Credit Card options with low rates are available (subject to credit approval).

   Please visit our Credit Card page for applications and disclosures.

Just CheckingTM 

Features:

  • Monthly Service Charge of $2, waived if customer receives eStatements
  • $100 No Bounce AdvantageTM limit (subject to eligibility requirements)
  • No fee for first order of checks with a valid student ID

 

Best Value Checking 

Features:

  • Monthly Minimum Balance Service Charge of $2 if the daily balance drops below $2,500 any day of the
    statement cycle
  • $500 No Bounce Advantage limit (subject to eligibility requirements)
  • No fee for standard checks or 50% off any specialty checks

          

All In One NOW Checking

Features:

  • Monthly Minimum Balance Service Charge of $10 if the daily balance drops below $2,500 any day of the statement cycle
  • Interest Bearing; No minimum daily balance required to earn interest
  • $600 No Bounce Advantage limit (subject to eligibility requirements)
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The Best Years Checking  

Features:

  • Account owner must be age 50 or better
  • Interest Bearing; No minimum daily balance required to earn interest
  • No monthly service charge
  • $600 No Bounce Advantage limit (subject to eligibility requirements)
  • No fee for standard checks or 50% off specialty checks
  • No fee for Cashier's Checks and Money Orders

 

 

 

Super Partners  

 

Features:

A Super Partners membership is exclusively for those age 50 or better who are in the prime of life!  If you love spending time with friends, learning new things, and seeing new places, you’ll want to be sure and ask a bank representative for more details. Join Super Partners and start enjoying life to the fullest!  Visit our Super Partners page for more information.

  

Benefits Plus®

Features:

As a Benefits Plus member, you will reap immediate rewards as you save money on purchases for travel, groceries, restaurants, movies, and much more. You will receive Identity Theft Protection & Security Center featuring Restoration Rescue® which will guide you through the steps required to take command of your identity. Start saving today by adding to any personal checking or savings account. A $6 Benefits Plus Monthly Membership Fee will apply.  Visit our Benefits Plus page for more information.

 

No Bounce Advantage *

No Bounce Advantage 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 personal checking account customers when the eligibility requirements of the program are met. The No Bounce Advantage limit will be assigned based on the type of personal checking account you have.  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, and 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.

       

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