Premium Preferred Account

Premium Preferred Account

Combine the best of both worlds with a Premium Preferred Account — We'll even refund all your ATM fees, nationwide*.

Your interest and refunds on ATM fees are then automatically transferred to your high-paying Saver — where you can save at high interest rates, undisturbed by constant checking withdrawals.


Premium Preferred Account — Checking Essentials:

Meet Easy, Penalty-free Qualifications.

Get a higher interest rate — and get your ATM fees back — just meet easy qualifications. Even if you miss a month, there's no penalty fee. To earn your full rewards, just do the following during each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled in and receive eStatement notice
  • Be enrolled in and log into online banking
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

High-Yield Free Checking & ATM Fee Refunds. How?

Our simple, straightforward qualifications save you time — and save us money. It's how we can pay you high rates on a free account, and still have cash left for your ATM fees!

But no worries if you come up short on your qualifications. Your account is always free. And you still earn base-rate interest. Plus, you can earn a higher rate and ATM fee refunds the very next cycle!

*APY is accurate as of 3/1/2015. Rates may change after account is opened. Minimum to open is $100 for Checking and $0 for Saver. Qualifying transactions must post to and settle Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Checking APY is based on compounding interest. Interest earned in Checking is automatically transferred to Saver each statement cycle and does not compound. No minimum balance to earn APY. Actual interest amount paid may be less than advertised Checking APY. The Saver APYs may be less than Checking APYs. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. To be eligible for this for the Premium Preferred Account you must be an existing customer or provide proof of residency in one of the following Tennessee counties: Warren, Van Buren, White, Dekalb, Grundy, Coffee, Cannon, Bedford, Marshall, Williamson, Davidson, Wilson, or Rutherford. This is a consumer account only.