Personal Checking Accounts
| ACCOUNT TYPE | MINIMUM OPENING DEPOSIT | MONTHLY SERVICE CHARGE | BALANCE REQUIRED TO AVOID SERVICE CHARGE |
|---|---|---|---|
| Simply Checking | $50 | None | None |
| Fifty Plus Advantage Checking | $50 | None | None |
| Choice Checking | $50 | None | None |
| Bank On Checking | $25 | $5 | None |
Personal Savings Accounts
| ACCOUNT TYPE | MINIMUM OPENING DEPOSIT | MONTHLY SERVICE CHARGE | BALANCE REQUIRED TO AVOID SERVICE CHARGE |
|---|---|---|---|
| Personal Savings | $100 | $4 | $250 |
| Money Market Deposit Account | $2,500 | $15 | $2,500 |
| High Yield Deposit Account | $5,000 | $15 | $5,000 |
| Future Funds | $100 | None | None |
| Health Savings | $100 | $2.50 | None |
Certificates of Deposit
| TERMS | MINIMUM OPENING DEPOSIT |
|---|---|
| Less than 360 days | $2,500 |
| 360 days and longer | $1,000 |
Business Checking Accounts
| ACCOUNT TYPE | MINIMUM OPENING DEPOSIT | MONTHLY SERVICE CHARGE | BALANCE REQUIRED TO AVOID SERVICE CHARGE* |
|---|---|---|---|
| Simply Business Checking | $50 | None | None |
| Business Interest Checking | $50 | $10 | $2,500 |
*Minimum Daily Balance
Business Savings Accounts
| ACCOUNT TYPE | MINIMUM OPENING DEPOSIT | MONTHLY SERVICE CHARGE | BALANCE REQUIRED TO AVOID SERVICE CHARGE* |
|---|---|---|---|
| Business Money Market Account | $2,500 | $15 | $2,500 |
| Business High Yield Deposit Account | $5,000 | $15 | $5,000 |
*Minimum Daily Balance
Miscellaneous Services
| SERVICE | SERVICE CHARGE |
|---|---|
|
ATM Card
|
No Charge |
|
ATM Transactions
|
Customer: No Charge Non-Customer: $3 |
| First Horizon ATM Transactions | Customer: No Charge |
| Foreign ATM Transactions | $2 |
| Charge Back Processing | $5 per Item |
| Charge Off Account Processing | $35 |
| Check Cashing | Customer: No Charge Non-Customer: $5 |
| Checks and Deposit Slips | Varies |
| Collection Items | $10 |
| Copies of Checks* | $1 per page |
| Foreign Currency Order | $10 |
| IRA Closing Fee | $20 |
| Mastercard Check Card | No Charge |
| New Account Closing Fee* | $20 if closed within 180 days |
| Notary | No Charge |
| Official Check | Fifty Plus Advantage Account Holder: No Charge Customer: $5 Non-Customer: $5 |
| Overdraft Charge* |
Paris and Union City: $31 per item paid or returned
each time the payment is presented
Memphis and Jackson: $34 per item paid or returned each time the payment is presented
|
| Consecutive Overdraft Charge* | $5 per day on and after 5th consecutive day |
| Daily Cap for Overdrafts | Consumer: 5 Overdrafts per Day Business: No Cap |
| Overdraft Sweep Fee* | $5 |
| Paper Statement Fee |
Consumer: $3
Bank On Account: $2
Business: No Charge |
| Reconciliation | $15 per Hour $5 Minimum |
| Research |
$20 per Hour
$5 Minimum
|
| Safe Deposit Boxes | Paris: $15 - $175 Memphis: $50 - $195 Union City: $10 - $40 Jackson: $28 - $58 *Depending on size |
| Special Statement | $2 |
| Stop Payment | $15 |
| Tax Levy | $75 per Order |
| Temporary Checks* | $0.10 each |
| Wire Transfers | Incoming: $20 Outgoing: $20 |
| International Wire Transfers | $55 |
| Zipper Bag with Lock | $23 |
| Zipper Bag without Lock | First Bag: No Charge Additional Small Bag: $3 Additional Large Bag: $4 |
*Not applicable to Bank On Accounts