Free Checking

FREE Personal Checking. FREE Business Checking. FREE Gift.

EVERY NEW CHECKING ACCOUNT OPENED INCLUDES*

  • FREE Bill Pay
  • FREE Debit Card
  • FREE Online Banking
  • FREE Mobile Banking with Mobile Deposit
  • FREE eStatements with online check images
  • FREE anywhere ATM use with unlimited automatic fee refunds
  • BUY BACK your unused checks and debit cards from another financial institution

Dayton

1271 Market Street
Dayton, TN 37321 (423) 570-0280
M-F 8:30a – 5:00p 

Flintstone

2821 Chattanooga Valley Road
Flintstone, GA 30725
(706) 861-8864
M–Th 8:30a – 4:00p F 8:30a – 5:00p

Ringgold

4914 Battlefield Parkway Ringgold, GA 30736
(706) 861-8831
M–Th 8:30a-4:00p
F 8:30a – 5:00p

Rossville

316 Chickamauga Ave Rossville, GA 30741
(706) 866-7932
M–Th 8:30a-4:00p
F 8:30a-5:00p

Soddy Daisy

10087 Dayton Pike, Soddy Daisy, TN 37379
(423) 332-0280
M–F 8:30a-5:00p

Spring City

22400 Rhea County Hwy Spring City, TN 37381
(423) 452-0280
M–F 8:30a-5:00p

*Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, third-party data fees, return item fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Transaction items include all debits and credits. If the Personal Business or Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product. If the Business or Business Interest account exceeds $20,000 in monthly coin and currency deposits, the account may be converted to another checking product.

Learn More About 

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