Regular Share (Savings) Accounts
The regular share account offers two important benefits to members:
- The initial $5.00 deposit establishes you as a “shareholder” of the credit union and entitles you to receive all the benefits of credit union membership.
- Our regular share account offers a generous interest rate, helping your savings grow more quickly. You can maximize your interest payment by taking advantage of our Payroll Deduction Plan or Direct Deposit.
We also offer the following Club Accounts:
- The opportunity to open a share certificate with a $500 minimum balance
- $5 in Birthday Bucks
- The opportunity to open share certificates with a $500 minimum balance
- The opportunity to apply for a $500 loan to help establish credit
- $5 in Birthday Bucks
- Free Visa Debit Card*
- 1st Checking Account*
Share Draft (Checking) Accounts
With a variety of checking accounts available, we help you keep more of your money.
Regular Checking Account
Expand your membership with our share draft account. Simply maintain a $300.00 average daily balance, or set up a direct deposit and eStatements and there will be no monthly service charge.
Platinum Checking Account
Make your money work for you with products and services you already use! With our Platinum Checking Account, you earn a higher dividend rate when your account meets the criteria below:
- Average daily balance $500.01 – $15,000.00
- Enrolled in online banking AND e-statements
- Monthly direct deposit of $500 or more
- 10 debit card transactions per month with a transaction amount of $10 or more, not including ATM withdrawals.
Already have a checking account with TN Members 1st? Use the form at the link below to enroll in Platinum Checking!
Free Checking Account
Similar features as our regular checking account, but with no monthly service charge.
1st Checking Account
Members between the ages of 16 and 24 are eligible to open a 1st checking account. A great way to learn about the basics of personal money management!
Fresh Start Checking Account
If you have experienced trouble with your finances in the past, you would be eligible for our fresh start checking account. Contact Member Services for an exact listing of the account benefits.
Share Draft Account Benefits
| Regular Checking | Platinum Checking | Free Checking | 1st Checking | |
| Overdraft protection | ✔️ | ✔️ | ✔️ | ✔️ |
| Pre-approved Courtesy Pay Limit | ✔️ | ✔️ | ✔️ | ✔️ |
| No per-check charges | ✔️ | ✔️ | ✔️ | ✔️ |
| Direct Deposit (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| eStatements (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| Audio Response Teller (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| Digital Banking (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| Bill Pay (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| Remote Deposit Capture (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| Visa® Debit Card (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| ATM access at Money Pass or CO-OP Surcharge-Free terminals (free) | ✔️ | ✔️ | ✔️ | ✔️ |
| Online check reorder | ✔️ | ✔️ | ✔️ | ✔️ |
| Monthly Dividends | ✔️ | |||
| Quarterly Dividends | ✔️ | |||
| Daily/Monthly Criteria* | ✔️ | ✔️ |
*Regular checking accounts must maintain a $300.00 average daily balance, or set up a direct deposit and eStatements to avoid a monthly service charge. Platinum checking accounts must be enrolled in online banking; enrolled in e-statements; have a monthly direct deposit of $500 or more; and 10 debit card transactions per month with $10 or more transaction amount, not including ATM withdrawals to receive the Platinum Share Draft rate on amounts $500.01 – $15,000. The Share Drafts (07) rate is earned on any amount in excess of $15,000.01 and on balances of $500.01 – $15,000.00 when criteria are not met. Ask us for further information about the terms and fees that may apply to these accounts.
Your TN Members 1st Visa® Debit Card
Access your available checking account funds by using your TN Members 1st Visa® Debit Card card anywhere Visa is accepted.
Digital Wallet
Enjoy a more convenient way to pay by adding your TN Members 1st debit card to your Digital Wallet! Simply add your debit card to Apple Pay® or Google Pay™ and enjoy a new secure way to pay — in-person, in-app, or online!
- Open your Wallet app.
- Click the + icon and select ‘Debit or Credit Card.’
- Scan your TN Members 1st debit card or select the option to enter card details manually.
- Follow any verification instructions.
- Done! Your card is now in your Apple Wallet.
- Open the Google Wallet app.
- Tap ‘Add to Wallet’ and select ‘Payment Cards’ and ‘new credit or debit card.’
- Scan your TN Members 1st debit card or select the option to enter card details manually.
- Tap ‘Save’ and follow any verification instructions.
- Done! Your card is now in your Google Wallet.
Travel Notices
If you’re planning for upcoming travel, make sure to contact the credit union before you leave so we can place a travel notice on your account and know to expect out-of-state charges on your credit and/or debit card. If we are unaware of your travels, it’s possible that your out-of-town card transactions could be flagged as potential fraud and declined.
Our Fraud Department actively monitors for potential instances of fraud and takes into consideration fraud trends, as well as states or countries with high cases of card fraud, when monitoring accounts.
You can place a travel notice by visiting your local branch, contacting us at 865-482-4343, or sending us a message in online or mobile banking. To let us know about your travel plans via digital banking:
- Log in to online or mobile banking
- Click ‘Messages’ and ‘Start a New Conversation’
- Let us know the dates of your travel and the location you’re traveling to.
- A Member Service Representative will follow up with you to let you know your travel notification has been received.
Lost or Stolen Visa® Cards
Log in to your digital banking and click ‘Support’ on the left-hand navigation menu for customer service and fraud support phone numbers. If you don’t have digital banking, please contact the credit union.
If you suspect identity theft for any reason, know there is a professional standing by to analyze your unique situation, develop a plan of action, and work with you one-on-one to restore your identity to pre-theft status. Click here to learn about the Fully Managed Recovery identity theft services all of our members and their families receive at no cost. Visit your local branch or contact the credit union to start your identity theft recovery process in the event of identity theft.
