First Tennessee Bank Locations in Your Area
First Tennessee Bank has 470 branches in their region. This traditional brick and mortar bank is an established bank that has presence across at least one state, and most likely uses an ATM network, but we are not aware of it.
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Learn more about First Tennessee Bank
First Tennessee Bank was established December 1863. That's more than 150 years ago! It holds assets of 82.7 billion US dollars. This is considered a large bank that most likely serves a large portion of their region. A point to consider when choosing a bank is it's health. This bank appears to be healthy. It has a texas ratio of 7%. Lower is better!
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Latest Customer Reviews
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Reviewed By wayne2019 Jun 13, 2019
Friendly and knowledgeable tellers
I had a great positive experience at this branch today. I prefer to bank online and by mail and the teller knew exactly what to say to me to put me at ease and answer my questions. I am confident I will be banking online soon.
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Reviewed By Sabrinakeith Apr 1, 2019
Drive through
Continue reading...I waited for 15 minutes at the drive through to make 2 deposits for my company and one personal. The teller was rude and told me they were working on it. However, 3 people beside me had their transactions completed and left before mine was done. She explained because it was a Canadian check it took longer...we have had Canadian checks before and it never took that long. Terrible customer service!!!
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Reviewed By dtanner Dec 3, 2017
HORRIBLE BANKING SERVICE
Continue reading...Banked here for over a year and finally had it. Every single time this bank has an update the card and online account will not work. EVERY. SINGLE. TIME. That meant that as a night shift worker there was more than one occasion an unannounced update happens and the card would be declined. For me that meant going through the embarrassment of not being able to pay for lunch because the bank decided to do another unscheduled update. I reported this every time, even asked for follow up. Customer service repeatedly informs me they will report it, however cant do anything. Enough is enough. Avoid this bank. Have had more issues with them than just this but this is what really gets me. Why would a debt card stop working for several hours for a bank update? Unacceptable.
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Reviewed By Sabrinakeith Apr 1, 2019
Drive through
Continue reading...I waited for 15 minutes at the drive through to make 2 deposits for my company and one personal. The teller was rude and told me they were working on it. However, 3 people beside me had their transactions completed and left before mine was done. She explained because it was a Canadian check it took longer...we have had Canadian checks before and it never took that long. Terrible customer service!!!
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Reviewed By grtwhthntr Nov 7, 2017
A dishonest bank, that fails to grasp the simple concept of checks.
Continue reading...I have had 2 experiences with First Tennessee Bank in the last 2 weeks that makes me realize that I will never bank with them.
I pay my child support to an account that is in my daughters name. I do not have the account number. I have been depositing this money for many years. Now they will not accept my deposit without the account number. I had to get a manager to approve it.
Next encounter after receiving a First Tennessee check from a neighbor for some work I had done, I tried to cash it at the bank and they tried to rob me of 3% of it because I did not bank there. They told me if I did not like it to go to my bank. Their customer gave me a check in good faith in lieu of cash and her bank would not honor it without a cut of my labor. What kind of usury is this.
In case any of this banks simpletons read this review, I will try and teach.
A check is a promissory note that if presented to the bank named on the check that you will be paid from the account the check is written.
It allows the writer of the check the ability not to have to be present at the bank to do business. The holder of the check by proxy is the account holder and entitled to the full sum written on the check.
So no the bank cannot charge a portion of the amount owed to check holder, that is theft.
Banking with these fools would be lesson in how to get robbed.Is this review helpful? -
Reviewed By Dormandy Apr 27, 2017
Run from this bank
Continue reading...I used to have a F*** Tennessee checking account. I had given a company permission to take payments out of my account. When they kept taking more than I had approved a f*** Tennessee rep called me about being overdrawn. I told her I was being a victim of fraud and to please not give them anymore money. To my suprise she told me that they couldn't stop the auto payments and only I could do that. I couldn't believe what she was saying and I again told her I was being a victim of fraud and I would not be responsible for any future withdrawals. Well they continued to allow the withdrawals until they racked up over $1000 in overdraft and then closed the account. When they contacted me about the amount owed I explained what happened and that I wasn't going to pay it. Well they siued me and rather than getting a lawyer I paid them. I know this is unbelievable but please beware of this SORRY bank. George David Ormandy
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Reviewed By ElizabethTN Feb 19, 2014
Great personal, customer service
Continue reading...I have been banking with First TN for about 6 months. Everyone I've worked with there has been Extremely helpful. The personal bankers have even suggested different programs to move my money to so that I can benefit from better savings rates. Would highly recommend, if you're looking to be treated like a customer and not just another number.
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Reviewed By angelaira Oct 29, 2015
Dishonest Bank - Horrible Customer Service
Continue reading...My mortgage from my first marriage was sold to this bank years ago. During our divorce I called this bank repeatedly to get information and the file was lost. I gave my social security number, gave my old addresses, my name... they could never find the account and could never provide me with any information. I went through bankruptcy, I rebuilt my credit, and this year I finally got a mortgage and bought a house.
The final step to get my mortgage was to do a conference call with First Tennessee to verify that the balance due on the mortgage was $0. I called on three way conference. They refused to verify based on me not knowing the most recent address they mailed mortgage information to.
This time I was not going to give up or let them walk all over me. I spoke to three different levels of management, and finally found someone who found the old file, and verified the $0 balance. I was approved for my mortgage.I had a 710 credit score. I worked 8 years to build that score after getting out of the abusive situation with my ex, taking our autistic sn with me, and working hard and paying every single bill on time for 8 years.
The same day this bank verified my address, they added this mortgage to my credit report. My ex had been court ordered to have control of the house and be responsible for both mortgage payments. I called repeatedly to try and get information to make sure this was happening, and I was denied information every time over a 10 year period. My ex had about 8 120 day late payments in the period from 2013 to 2014, and this bank added those to my credit report. I now have a lovely home, and a tanked credit score.
I hate this company. I hope Karma visits them for what they have now done to my son and I. I am in the process of disputing this with all of the credit bureaus, but it is only fair to warn people that they are crooked liars.
Is this review helpful? -
Reviewed By ab029u Jul 31, 2015
Home Equity Line
Continue reading...In Jan. of 2006 I build a new home and obtained an equity line for 34k from First Tn Bank with both loans totaling 95% of selling price. I paid the second mortgage off several years ago but kept the line of credit in case of emergency which cost me a $50 annual fee. I received notice that as of the anniversary date of the 10th year this loan would rollover into a traditional mortgage with set payment amounts etc. I learned since I had a zero balance the HEL would be closed. Anyway today I owe 67 k (first mortgage) on a $200,000 home and I applied for another equity line with First Tn to pay off original mortgage and allow for an additional 33k credit line. Total of $100k on a 200k home. I retired on Jan 1 and have an investment portfolio of approximately half a million dollars and continue to do contract work for my previous clients (of many years) generating about 50k per year and in Feb. of 2016 I start drawing 24k per year social security and for the first time in my life I was declined for a loan due to limited income and their policy of a minimum of 2 years of proven income for independent business owners.
In summary after 10 years of a perfect business relationship, half million dollar investment portfolio, 50% equity in my home (after new loan amount is added) and oh by the way somewhere around an 800 credit score the loan was declined. So thankful I didn't need the money!!
There is an obvious ineptness within the underwrites of this once proud bank.
Thankful I didn't move my investment portfolio to them!
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Reviewed By Brian Jul 26, 2012
Worst Bank Ever
Continue reading...I secured a loan to pay for a property I bought in Garrett County Maryland. First Horizon became First Tennessee and the service went into the toilet from there. I couldn't pay my mortgage payment on line unless I opened up a checking account with First Tennessee. I don't live anywhere near the great state of Tennessee or any of their branches. And since I had an account with another bank, I had to either write a check and mail it or make a phone payment. The phone payment allowed them to steal another $15.00 from me as a "lack-of-service" fee. Service was non-existent and trying to log in to my account was ridiculous. It would prompt me for my account number and then it would say this is an invalid account number so now I had to make a payment by phone using the same invalid account number. They eventually went to on-line banking and allowed people to pay their mortgage using an outside account. They are way behind the times as far as technology, service and common sense. Go with another bank if you can. First Horizon was just a cover for First Tennessee. I finally got fed up to the point that I refinanced my house and added the property to my mortgage just so I could kick First Tennessee to the curb. Best decision I ever made.
Is this review helpful?
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Reviewed By angelaira Oct 29, 2015
Dishonest Bank - Horrible Customer Service
Continue reading...My mortgage from my first marriage was sold to this bank years ago. During our divorce I called this bank repeatedly to get information and the file was lost. I gave my social security number, gave my old addresses, my name... they could never find the account and could never provide me with any information. I went through bankruptcy, I rebuilt my credit, and this year I finally got a mortgage and bought a house.
The final step to get my mortgage was to do a conference call with First Tennessee to verify that the balance due on the mortgage was $0. I called on three way conference. They refused to verify based on me not knowing the most recent address they mailed mortgage information to.
This time I was not going to give up or let them walk all over me. I spoke to three different levels of management, and finally found someone who found the old file, and verified the $0 balance. I was approved for my mortgage.I had a 710 credit score. I worked 8 years to build that score after getting out of the abusive situation with my ex, taking our autistic sn with me, and working hard and paying every single bill on time for 8 years.
The same day this bank verified my address, they added this mortgage to my credit report. My ex had been court ordered to have control of the house and be responsible for both mortgage payments. I called repeatedly to try and get information to make sure this was happening, and I was denied information every time over a 10 year period. My ex had about 8 120 day late payments in the period from 2013 to 2014, and this bank added those to my credit report. I now have a lovely home, and a tanked credit score.
I hate this company. I hope Karma visits them for what they have now done to my son and I. I am in the process of disputing this with all of the credit bureaus, but it is only fair to warn people that they are crooked liars.
Is this review helpful? -
Reviewed By ab029u Jul 31, 2015
Home Equity Line
Continue reading...In Jan. of 2006 I build a new home and obtained an equity line for 34k from First Tn Bank with both loans totaling 95% of selling price. I paid the second mortgage off several years ago but kept the line of credit in case of emergency which cost me a $50 annual fee. I received notice that as of the anniversary date of the 10th year this loan would rollover into a traditional mortgage with set payment amounts etc. I learned since I had a zero balance the HEL would be closed. Anyway today I owe 67 k (first mortgage) on a $200,000 home and I applied for another equity line with First Tn to pay off original mortgage and allow for an additional 33k credit line. Total of $100k on a 200k home. I retired on Jan 1 and have an investment portfolio of approximately half a million dollars and continue to do contract work for my previous clients (of many years) generating about 50k per year and in Feb. of 2016 I start drawing 24k per year social security and for the first time in my life I was declined for a loan due to limited income and their policy of a minimum of 2 years of proven income for independent business owners.
In summary after 10 years of a perfect business relationship, half million dollar investment portfolio, 50% equity in my home (after new loan amount is added) and oh by the way somewhere around an 800 credit score the loan was declined. So thankful I didn't need the money!!
There is an obvious ineptness within the underwrites of this once proud bank.
Thankful I didn't move my investment portfolio to them!
Is this review helpful? -
Reviewed By Curbe27@gmail.com Oct 28, 2014
Disgusting Buisness Practices And Service
Continue reading...After getting over $250 in overdraft charges in one day because of multiple $2 and $3 charges that added up to just under $18, tha bank managers answer was to repeat, "our policy is to only refund $70 per year for overdraft charges. " and "i will be happy to close your account if yoy like". This was a very insulting way to be treated. I have a wife at home that is 8 months pregnant with our first child.
I make $400 a week and ftb had no problem and saw no unfairness in a policy that take a weeks pay out of my account for $18 in charges. Disgusting! As i met with the manager she didn't have much of anything to say other then to repeat the policy and offer to close the account. It was like talking to a wall. I work at an entry level job and can credit a customs up to $100. How is it that a vp of a local branch whom has been working for the bank probably nearing 20 years can only be trusted to have control over $70 to retain customers and correct obvious unfairness.
Horrible horrible bank that preys on ut students that they know will come and go with on a few years.
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Reviewed By paladine Jun 1, 2014
150 Years of Service: A False Pride: Better Close your Accounts
Continue reading...I had been first Tennessee customer for the past 7 years. I have 2 checking accounts and I never had more than $1000 in any one of those accounts. I use it specifically for my online purchases. All of a sudden since March it started charging finance charge of $9. I called the customer service and they told me that someone in first Tennessee upgraded my account in 2011 to a premium that requires a minimum of $5000; else it will charge a finance fee. I was never informed this account upgrade. The customer service representative was not giving me any other information either like why it was changed, who changed it and why was I not informed. In the end of the customer representative they told me that they fixed it and it should not happen again. But in April and May, I was charged again the finance charge. I again called the customer service representative and they told me that I will have to go to the branch that opened my account.
I went to the branch and spoke to the manager; Her name is [Redacted] (4990 Poplar Avenue, 38117). She outright told me that this is how First Tennessee works, their systems will automatically upgrade the accounts and there is nothing that the customers can do about it. She also told me that all their checking accounts require to have a minimum of $5000, else the finance charge. She was rude and unwilling to work with me. When asked about why my other checking accounts in First Tennessee does not have the finance charge, she told that it is a system glitch and laughed saying "If you want the finance charge on that account, I will make it happen now;Do you want it?". At this point I lost my patience, I told her I'm going to close my account with First Tennessee and closed the account.After opening an account with other bank, I'm going to close all my accounts with First Tennessee. I wonder how First Tennessee stays in business for 150 years.
Is this review helpful? -
Reviewed By Brian Jul 26, 2012
Worst Bank Ever
Continue reading...I secured a loan to pay for a property I bought in Garrett County Maryland. First Horizon became First Tennessee and the service went into the toilet from there. I couldn't pay my mortgage payment on line unless I opened up a checking account with First Tennessee. I don't live anywhere near the great state of Tennessee or any of their branches. And since I had an account with another bank, I had to either write a check and mail it or make a phone payment. The phone payment allowed them to steal another $15.00 from me as a "lack-of-service" fee. Service was non-existent and trying to log in to my account was ridiculous. It would prompt me for my account number and then it would say this is an invalid account number so now I had to make a payment by phone using the same invalid account number. They eventually went to on-line banking and allowed people to pay their mortgage using an outside account. They are way behind the times as far as technology, service and common sense. Go with another bank if you can. First Horizon was just a cover for First Tennessee. I finally got fed up to the point that I refinanced my house and added the property to my mortgage just so I could kick First Tennessee to the curb. Best decision I ever made.
Is this review helpful? -
Reviewed By kngreer Nov 13, 2014
No Customer Service
Continue reading...First: I have been banking with FT for over ten years but due to fraud had to open another acct last august. Now they only acknowledge me being a customer for about a year instead of 10. I recently had an overdraft issue and waited so long they were on the verge of closing the acct. I spoke with a CSA and she helped reverse the charges and I agreed to pay the balance. The same day the branch manager went into my acct and closed it (blaming it on automated computer practices) He then told me that at midnight the acct would be back open, which it was not. I called and tried to speak to the same branch manager around 11pm the next day but he was not in the office.
When I asked the teller to talk to his supervisor or ANYONE that could help me. She lied and told me that he was the branch manager for all Cool Springs and he was the only one who could help me. I called CS back and had no problems getting his supervisor information and left a message for a call back. I decided to call the branch manager back just by chance of reaching him. AND HE ANSWERED. He informed me that my deposit that HE told me to make was not sufficient to open the acct and I would have to put more money in it, which I did and the acct is still not open. When I asked him why did he tell me yesterday a specific amt to open the acct and now today a different amt. His respond was that the acct should not be re-opened anyways but he was doing me a FAVOR.
Usually a customer would have to open a new acct. The only reason he was re-opening my acct was because I had set up direct deposit for that acct again. It seemed his only worry was more money. They even had the audacity to make me pay for another debit card. I have several great experiences with FT but this one seems to trump all the others.
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