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165 Madison Avenue
Memphis, TN 38101

First Tennessee Bank, National Association is headquartered in Memphis and is the largest bank in the state of Tennessee. It is also the 59th largest bank in the nation. It was established in 1864 and as of March of 2014, it had grown to 4,031 employees at 174 locations. First Tennessee Bank, National Association has a B+ health rating.

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First Tennessee Bank Is Offering 3 Different Checking Account Promos - 8/20/2014

To commemorate its 150th anniversary, First Tennessee Bank is offering 3 separate checking account bonuses. This offer is available in TN, MS, VA, GA, NC, AR and AL.

Reviews (6)

Why Is A Hold Placed On Large Deposits?

I made a $12,000 deposit @ 3:45 PM, Thurs., 1/20/11 into a First Tenn Bank personal account that I've held since '94.  This deposit check was written on another personal checking account held at a solid Greeneville regional bank; to pay a First Tennessee Visa Card payment due on 1/23/11.  As always, I went online on the Fri., the 21st to pay my Visa payment via transfer but the money was 'not available', as tho I had never made a deposit.

I called a lady that I've been doing business with for years at the E Branch First Tennessee Bank and her first question was, "Did you deposit that here or downtown and before 4?"  Told her I happened to be downtown and knew it needed to be in by 4 PM to get into my account the next day so that is where I deposited it.  She said, "May I call you back?" and I said okay.  Waited a couple hours and called her so she said because made the deposit downtown that I needed to talk to them, so she would transfer me.  Also, informed me that $4,900 on HOLD til 1/24/11 and $7,000 on HOLD til 1/31/11.

The lady that answered the phone down at the Main Branch said the lady that actually PUT the HOLD on my deposit was at lunch and would be gone the FULL hour.  She asked if she could help me so I told her my problem and she wanted to know if I had $12,000 more to pay off my Visa card!!!!!!!  I was getting stressed at this point and asked, who has $12,000 extra just laying around?!!!!  She stated, "don't scream at me" but was as tho she wanted someone in the room with her to THINK I was screaming.  Then, she said that if I had brought a cashier's check from my other bank, there would not have been a HOLD in the first place.  Now the bank whose check was on hold is right beside the bank holding it!  I asked if there was somebody else to whom I could appeal and she said, you can hold for the Main St Branch Mgr.

He gets on the phone, I explain my problem and also, that I've made these personal banking deposits before with no problems what-so-ever at the E Branch on AJ Hwy.  With no humanity, he stated that several years ago the federal gov't changed the rules for HOLDS to be put on large deposits so that would include ALL large deposits.  Told him I felt as if $12,000 intended for a bank visa payment had been stolen from me.  I had already been on the First Tennessee Bank website and to the Question: Why is a hold placed on large deposits?  It answers:  On a case-by-case basis, a hold may be placed on deposits more than $5,000 to verify funds.  You get the picture but by this time, my blood pressure was up and I knew that I needed to get off the phone and fix my own problem but for sure, stay away from this bank, so I said, "Thanks so much, God Bless you" to which he said, "uh-huh", and hung up.

I then took just about all money out of my interest bearing acct to pay my VISA Bill.  This is not the first time that the main branch has rigidly refused to do what would be right for the customer on a 'case by case basis'; but this will definitely be the LAST. 



First Tennessee Bank,Cordova,Tn38018

bad and dis-respectful customer service starting from

the from Representative happens to be Bonnie Eagle to the manger her name is Junaita C.Williams .actually i was in the way to close my account from them for various reason how they charge me with fees and forget to send a check book to my address although i request a year ago but nothing happen. then last week when i try to deposit a check junita C.Willams and another staff start asking where did i got the check how in earth they can ask the client where did they got the money there job is to deposit the check if its correct and the anther shocking thing they did is they told me that they could not find a signature match the sign that you want to deposit .then after they found the signature you think they will deposit ,wrong they refuse to deposit and waist my time and treat me like criminal without regarding how many year was with make the situation bad next day i went to the operation manger to talk about the inc dint and closing my account instead of listing to my complain or even asking me why im closing after all this year with them she asked me my driver licence so she will processed to close my account. i swear i will never go cross this bank ever and i will do my best to warn all my friends and people i know to stay the hell away from this garbage.if there is 0 star they will worth it

DO NOT USE THS BANK IF YOU CAN HELP IT! We Have Had Terrible Customer Service 75% Of The Time. Too, They Are Inefficient In Every Area But Charging Fees For Everything Possible.

DO NOT USE THIS BANK IF YOU CAN HELP IT!!! We have had nothing but problems any time we have dealt with them. Their customer service was terrible 75% of the time...They are inefficient except in the area of charging you fees for everything imaginable. So glad we have ended our account with them! Worst banking experience of our life!

Best Bank Because Of Their Employees!!!

Banks have been dealt a lot of Regulation from the Federal Government, but First Tennessee continues to deliver EXCELLENT service and banking services.

I have heard they are very well positioned for the future! This is good news considering I would not bank with anyone else!

A Community Bank feel with a Big Bank's wide array of banking services!

Horrible Website And Customer Service

Tried to set up my online banking enrollment.  Three phone calls and over an hour of my time later, was transferred to a "technician" who informed me that the website everyone else in customer service told me to go to was the wrong website.  Then when filling out the information, was told that selecting "no" for "would you like online bill pay" will result in an error screen and that I can't select that (which no one else in customer service seemed to realize).  Terrible education of the employees, horrible website, and rather rude reps who make you do the same thing 3-4 times, all the while when you are trying to explain technology and how ot do their job to them. Total waste of time, only bank here because my corporate HSA requires it.

The Best Bank In Tennessee

First Tennessee is awesome. They are banking Angels, it seems like they are always looking out for me and my banking short comings


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Tennessee Bank, National Association had $394.31 million in non-current loans and owned real-estate with $3.35 billion in equity and loan loss allowances on hand to cover it. This gives First Tennessee Bank, National Association a Texas Ratio of 11.79% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Tennessee Bank, National Association decreased slightly from 14.87% as of March 31, 2013 to 11.79% as of March 31, 2014, resulting in a positive change of 20.74%.This indicates that the balance sheet and financial strength for First Tennessee Bank, National Association has improved slightly in recent periods.

Deposit Growth


In the past year, First Tennessee Bank, National Association has increased its total deposits by $219.82 million, resulting in 1.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Tennessee Bank, National Association has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Tennessee Bank, National Association has $23.71 billion in assets with $3.35 billion in equity, resulting in a capitalization level of 14.11%, which is excellent.

Institution Statistics

FDIC Certificate #4977
Year Established1864
Primary RegulatorOCC
Assets and Liabilities
Assets$23.71 billion
Loans$15.23 billion
Deposits$16.77 billion
Equity Capital$3.10 billion
Loan Loss Allowance$246.32 million
Unbacked Noncurrent Loans$328.27 million
Real Estate Owned$66.04 million
Historic Data - March 2013
Assets$24.92 billion
Equity Capital$3.03 billion
Loan Loss Allowance$264.29 million
Unbacked Noncurrent Loans$328.27 million
Real Estate Owned$54.67 million
Profit Margin - Quarterly
Net Interest Margin3.03%
Return on Assets0.88%
Return on Equity6.75%
Interest Income$173.58 million
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First Tennessee Bank, National Association Savings Account Rates

0.02%--Traditional Savings

First Tennessee Bank, National Association Money Market Rates

0.05%$100k-Money Market Savings

First Tennessee Bank, National Association CD Rates

0.55%--60 Month CD
0.40%--48 Month CD
0.30%--36 Month CD
0.15%--24 Month CD
0.10%--12 Month CD
0.06%--180 Day CD
0.06%--270 Day CD
0.06%$25k-180 Day Add On CD
0.06%--12 Month Rate Climber CD
0.02%--30 Day CD
0.02%--60 Day CD
0.02%--90 Day CD

First Tennessee Bank, National Association has 184 locations. Click to view all First Tennessee Bank, National Association locations.