Contact Us

To Report a Lost or Stolen Card

ATM or Debit Card (800) 791-2525

Credit Card (800) 883-0131


24-Hour Telephone Banking

(423) 570-0032 (706) 861-8805


Fraud Prevention Services

Because debit fraud is serious business, we’re watching out for you.

You may not know it, but you have round the clock protection against the increasingly savvy perpetrators of debit card fraud. That’s because the Debit Cards we issue are protected by FraudWatch® Plus. 

If we spot unusual activity on your card, we will attempt to contact you immediately.  If we are unsuccessful in contacting you, your card will be restricted until we can confirm the validity of the transaction.

So if you ever get a call from “Fraud Prevention Services,” know that our watchdogs are doing their job and preventing potential fraudulent use of your card. And if you’re planning to travel out of state or abroad, contact us with the dates of your trip and destination so we can note it our system.

Fraud is serious business, and can hit anytime. That is why we are always on guard to detect and prevent fraud from happening to you.

If you have a Debit Card Transaction that you suspect is fraudulent, call 1-866-842-5208


Contact Us by Email

E-mail is not necessarily secure against interception. If your communication is very sensitive, or includes personal information such as your account numbers, credit card number or social security number, you may want to call us, send it through the U.S. Post Office, or use our Secure Contact Us Form.  


Contact Us by Mail or Phone

Dayton, TN

1271 Market Street
Dayton, TN 37321

Phone: (423) 570-0280

Mailing Address
P.O. Box 255
Dayton, TN 37321-0255

Lobby Hours
Monday - Friday 8:30 - 5:00
Saturday Closed
Drive-Thru Hours
Monday - Friday 8:30 - 5:00
Saturday 9:00 - 12:00

Flintstone, GA

2821 Chattanooga Valley Road
Flintstone, GA 30725

Phone: (706) 861-8864

Mailing Address
P.O. Box 108
Flintstone, GA 30725-0108

Lobby Hours
Monday - Thursday 8:30 - 4:00
Friday 8:30 - 5:00
Saturday Closed
Drive-Thru Hours
Monday - Thursday 8:30 - 5:00
Friday 8:30 - 6:00
Saturday Closed

Ringgold, GA

4914 Battlefield Parkway
Ringgold, GA 30736

Phone: (706) 861-8831

Mailing Address
P.O. Box 1245
Ringgold, GA 30736-1245

Lobby Hours
Monday - Thursday 8:30 - 4:00
Friday 8:30 - 5:00
Saturday Closed
Drive-Thru Hours
Monday - Thursday 8:30 - 5:00
Friday 8:30 - 6:00
Saturday Closed

Rossville, GA

316 Chickamauga Avenue
Rossville, GA 30741

Phone: (706) 866-7932

Mailing Address
P.O. Box 638
Rossville, GA 30741-0638

Lobby Hours
Monday - Thursday 8:30 - 4:00
Friday 8:30 - 5:00
Saturday Closed
Drive-Thru Hours
Monday - Friday 8:30 - 5:00
Saturday 9:00 - 12:00

Soddy-Daisy, TN

10087 Dayton Pike
Soddy Daisy, TN 37379

Phone: (423) 332-0280

Mailing Address
P.O. Box 579
Soddy Daisy, TN 37384-0579

Lobby Hours
Monday - Friday 8:30 - 5:00
Saturday Closed
Drive-Thru Hours
Monday - Thursday 8:30 - 5:00
Friday 8:30 - 6:00
Saturday Closed

Spring City, TN

22400 Rhea County Highway
Spring City, TN 37381

Phone: (423) 452-0280

Mailing Address
P.O. Box 159
Spring City, TN 37381-0159

Lobby Hours
Monday - Friday 8:30 - 5:00
Saturday Closed
Drive-Thru Hours
Monday - Thursday 8:30 - 5:00
Friday 8:30 - 6:00
Saturday Closed

Report Lost/Stolen Card

To report a lost or stolen ATM or Debit card during business hours, call (423) 570-0280. After business hours, call (800) 791-2525.

Routing Number

Our Routing Number is 064201120.  Use this number when signing up for Direct Deposits or Automatic Deductions.

EDIE The Estimator

With 100% FDIC-Insured deposits, you can’t lose a cent!
EDIE the Estimator