Tennessee sits in the middle of the national picture with 41 certified checking accounts — #14 of the 51 states and territories we track, against a median of 32. 16 come from local or regional institutions and 25 from national banks — a 39% local share, close to the 36% median across the states we track.
24 of the 41 carry a $0 monthly maintenance fee; the 17 that do charge run from $4 to $12 a month. 27 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $100. 39 run no overdraft program at all; the other 2 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 16 state-based listings, the most come from Bank of Oklahoma, Commercial Bank & Trust Company Bank and Decatur County Bank.
Centennial Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankRepublic Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBank of America
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlly Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyQuorum Federal Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyServisFirst Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyTrustmark Advantage
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankLendingClub
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst-Citizens Bank and Trust
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankCity National Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankSimmons Bank Affordable Advantage
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyGuaranty Bank and Trust On Course
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Community Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDecatur County Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankVolunteer Federal
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyChase
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Horizon Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankFirst National Bank of Pulaski
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDiscover Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirstBank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyVolunteer Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyHope Credit Union
Costs you per year
$48.00
$4.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyU.S. Bank
Costs you per year
$59.40
$4.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFifth Third Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPNC Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyRegions Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPlanters Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Citizens National Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyUnited Community Bank United
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyTruist Confidence
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWells Fargo
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBMO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCadence Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCommercial Bank & Trust Company Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBank of Oklahoma
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySimmons Bank Simmons
Costs you per year
$120.00
$10.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplySynovus Bank Budget
Costs you per year
$120.00
$10.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$144.00
$12.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Apply