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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:

This club allows children ages 0-12 to learn about saving money, as well as the benefits of belonging to a credit union. Members will receive:
  • The opportunity to open a share certificate with a $500 minimum balance
  • $5 in Birthday Bucks
Teens ages 13-17 are automatically enrolled in the Emerald Teen Club. As they strive toward independence, Emerald Teen Club members will learn about checking and saving accounts, wisely building and using credit, and preparing for life after high school. Benefits include:
  • 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
Once a teen reaches 16 years of age, they may also be eligible for:
  • Free Visa Debit Card*
  • 1st Checking Account*
*Some restrictions apply, contact your local branch for details.
Golden Classics is a club account for those members who are 55+ or who have retired from employment. Along with free membership, members receive one free box of standard checks per year
Deposit money into your Christmas Club Account throughout the year and we’ll disperse the funds into your chosen account in September. Use the money for holiday season shopping, entertaining, travel, and more!

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 CheckingPlatinum CheckingFree Checking1st Checking
Overdraft protection✔️✔️✔️✔️
Pre-approved Courtesy Pay Limit
Click here to learn more about our Courtesy Pay Program.
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 anywhere Visa is accepted.

When it comes to security, your TN Members 1st Visa® Debit Card has advanced card controls available through digital banking that put you in charge of your card. With advanced controls, you can:

  • Turn your card on and off if it’s lost, stolen, or being misused.
  • Get instant alerts when your card is used.
  • Set dollar limits to keep spending in check.
  • Prevent transactions that don’t match your settings.

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!

Digital wallets allow you to make payments in person, on the web, an in stores using your eligible TN Members 1st debit card.
TN Members 1st debit cards are currently eligible for enrollment in Digital Wallet.
Yes, digital wallets are considered safer than using a physical card. Digital wallets do not save the actual card number(s). Any card information saved on devices is encrypted. Unlike with typical debit card transactions, card information is never shared with merchants.
No, members can use digital wallets without being enrolled in digital banking.
  • 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.

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Your savings federally insured by the National Credit Union Administration.
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.