Banking

Did You Know?
The downtown branch of First Tennessee Bank, on Seventh and Market, used to be Hamilton National Bank. Hamilton National Bank was Chattanooga’s third skyscraper when built in 1911. On its opening day, John Patten of the Chamber of Commerce said, “This is not the last, merely the latest skyscraper for Chattanooga.”

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Depending on the institution, Chattanoogans can benefit from banking services for their individual, business, and wealth management needs. Standard personal banking services include deposits, loans, mortgages, and investment options. Business services can range from deposits and loans, to cash flow and treasury management, to employee benefits and succession planning. Wealth management services extend to financial planning, pensions, 401k plans, portfolio management, trusts, insurance, and more.

Chattanooga banks are adjusting to meet the needs of their clients, from millennials who want convenient, mobile banking options to baby boomers who want a personal relationship with their local bank. Banks have adjusted their growth model from opening new branches to making more services mobile and opening new ATMs for customers’ convenience.  Institutions have expanded their online presence and digitalized more services, creating a secure and convenient environment for their customers. While new branches may not be opening, brick and mortar banks are far from irrelevant. Bank tellers are being trained to help customers with more complicated transactions, which cannot be easily done online. Several banks are opening their doors on Saturdays and lengthening their drive-through hours to accommodate clients’ schedules. To be more welcoming, banks are curating their office environment and rethinking dress codes to be more casual.

Several local and regional institutions have changed names to rebrand and reflect recent mergers and acquisitions. Cornerstone Community Bank converted their offices to SmartBank, whom they merged with last year. CapitalMark Bank and Trust, acquired by Pinnacle Financial Partners, changed to the Pinnacle name. Northwest Georgia Bank merged with FirstBank of Lexington, Tennessee, and changed their name to FirstBank.  FSG (First Security Group) bank merged with Atlantic Capital Bank, and they are changing to Atlantic Capital Bank early 2017. Locally owned and operated Community Trust & Banking Co. in Ooltewah rebranded and changed its name to Millennium Bank, to better reflect its forward-looking vision and use of technology.   

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ANDREW JOHNSON BANK
423.478.8222 | ajbank.com

Andrew Johnson Bank was officially chartered in 1975 as City and County Bank of Greene County and became Andrew Johnson Bank in 1980. Andrew Johnson is proud to serve the Cleveland/Bradley County area with exceptional service, maintaining a focus on the highest level of professional integrity and personal ethics.


Atlantic Capital Bank
855.693.7422 | atlanticcapitalbank.com

Atlantic Capital Bank is a community bank with experts in lending, treasury services, and capital markets services for small and midsized businesses. Banking offices also provide mortgage and trust services to private and individual clients. As a premier community bank, Atlantic Capital supports multiple nonprofit organizations and maintains an ongoing corporate relationship with the University of Tennessee at Chattanooga, the Chattanooga Lookouts, and Chattanooga Football Club.


BANK OF AMERICA
800.423.1000 | bankofamerica.com

Bank of America, one of the world’s largest financial institutions, serves consumers, small and middle-market businesses, and large corporations with a full range of banking, investing, asset management, and other financial and risk management products and services. The bank has approximately 4,700 locations across the U.S.


BANK OF CLEVELAND
423.478.5656 | bankofcleveland.com

Bank of Cleveland opened its doors in 1987 and is the only local bank in Bradley County. Bank of Cleveland has four full-service banking locations in addition to the BOC Home Loan Center dedicated to mortgage lending.


BB&T
800.226.5228 | bbt.com

Founded in 1872, BB&T Corporation has grown into one of the largest financial services holding companies in the U.S. With more than $221.9 billion in assets, BB&T offers a full range of consumer and commercial banking, securities brokerage, asset management, mortgage and insurance products, and services. Bank locations in the Chattanooga area include Hamilton Place, Ooltewah, East Ridge, downtown Chattanooga, and Cleveland.


CHASE COMMERCIAL BANKING
423.242.4741 | chase.com/commercialbanking

For more than two centuries, Chase has built a legacy on having a strong balance sheet, managing risk, providing innovative solutions, employing the best people in the business, and doing the right thing for clients and communities. Commercial Banking has a long history of providing comprehensive solutions, including lending and treasury services to corporations, municipalities, financial institutions, and nonprofit entities with annual revenues ranging from $20 million to $2 billion, as well as real estate investors and owners.


CITIZENS TRI-COUNTY BANK
423.949.2173 | ctcbonline.com

Headquartered in Dunlap, Citizens Tri-County Bank is a full-service financial institution with locations in Marion, Grundy, Bledsoe, Coffee, Warren, Van Buren, Sequatchie, Franklin, and Hamilton counties. Convenient banking services such as deposits, loans, investing, mobile banking, mortgages, and Golden Travel Club are available at each bank branch.


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COHUTTA BANKING COMPANY
423.648.2265 | cohuttabank.com

Cohutta Banking Company is a division of Synovus Bank, one of the largest community banking services in the Southeast with more than $30 billion in assets. Cohutta offers options for personal, business, and commercial banking at convenient locations throughout the Chattanooga area, as well as online and time-saving options for deposit customers.


COMMUNITY NATIONAL BANK
423.570.0280 | cnb-usa.com

For 50 years, Community National Bank has been proudly serving and delivering high quality client services to our local communities. Community National Bank offers a wide variety of deposit products that add value to the consumer, as well as loans that meet the needs of commercial, consumer, and small business clients.


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FIRSTBANK
423.855.7283 | firstbankonline.com

Nashville-based FirstBank, a wholly owned subsidiary of FB Financial Corporation, is the third largest Tennessee-headquartered bank, with 45 full-service bank branches across Tennessee, North Alabama, and North Georgia, and mortgage locations across the Southeast. FirstBank serves five of the major metropolitan markets in Tennessee and, with $2.9 billion in total assets, has the resources to provide a comprehensive variety of financial services and products. FirstBank follows a community-banking model which began in 1906 when the charter was issued for Farmers State Bank, in Scotts Hill, Tennessee. As one of Tennessee’s leading community banks, FirstBank is committed to its role as a leader in the communities it serves. That commitment is reflected by the Ayers Foundation Scholars Program, a scholarship fund established by FirstBank Chairman and sole shareholder James W. Ayers to advance higher education for young people in Tennessee.


FIRST CITIZENS BANK
423.510.7020 | firstcitizens.com

First Citizens Bank, headquartered in Raleigh, North Carolina, was founded in 1898 and is the largest family-controlled bank in the U.S. In addition to operating more than 430 branches in 17 states, First Citizens offers an extensive nationwide ATM network as well as online banking options for individuals and businesses.


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FIRST TENNESSEE BANK
423.757.4032 | firsttennessee.com

First Tennessee Bank is the largest bank headquartered in Tennessee, with the number one deposit market share in Chattanooga, Knoxville, Memphis, and the Tri-Cities and a top-five deposit market share in Nashville. The FTB Advisors wealth management group has 313 financial advisors and $27 billion in assets under administration. First Tennessee was founded during the Civil War in 1864 and has the 14th oldest national bank charter in the United States and one of the highest customer retention rates of any bank in the country. First Tennessee, FTN Financial, and FTB Advisors are part of First Horizon National Corp. (NYSE: FHN), which has 4,300 employees. First Horizon has been recognized as one of the nation’s best employers by Working Mother and American Banker magazines. The Chattanooga market has been ranked nine years in a row by readers of the Chattanooga Times Free Press as Best Bank and prides itself on its customer service.


FIRST VOLUNTEER BANK
866.668.4700 | firstvolunteer.com

Since 1904, First Volunteer Bank has grown to become a full-service financial institution with 24 branches located throughout Tennessee and Northwest Georgia. First Volunteer provides traditional banking services and insurance and investment options to consumer and business customers. FVB is the only community bank in Chattanooga with its home office in Chattanooga.


FNB BANK
256.259.6000 | yourfnbbank.com

FNB Bank has served the banking needs of Northeast Alabama and surrounding areas for more than a century. FNB Bank is dedicated to making the community better by helping citizens and businesses achieve their financial goals. Today, FNB Bank has over 100 banking professionals who are committed to delivering an exceptional level of customer service and expertise, backed by an array of checking and savings options, competitive loans, and convenient services such as online and mobile banking.


MILLENIUM BANK
423.238.1111 | millenniumbank.com

With branch offices conveniently located in Ooltewah, East Brainerd, Hixson, and soon to be downtown, Millennium Bank provides a complete array of financial services, including business, consumer, and mortgage loans and checking, savings, money market, and certificate of deposit accounts. The bank is locally owned and operated.


PINNACLE FINANCIAL PARTNERS
423.756.7878 | pnfp.com

Pinnacle Financial Partners provides a full range of banking, investment, trust, mortgage, and insurance products and services designed for businesses and their owners and individuals interested in a comprehensive relationship with their financial institution. Pinnacle’s focus begins with recruiting top financial professionals and creating the best place to work in Tennessee. The firm began operations in downtown Nashville in 2000 and has grown to approximately $9.7 billion in assets at June 30, 2016. As the second-largest bank holding company headquartered in Tennessee, Pinnacle operates in Middle Tennessee, Memphis, East Tennessee, and Chattanooga, as well as several surrounding counties.


REGIONS BANK
423.752.7800 | regions.com

Headquartered in Birmingham, Alabama, Regions Bank operates one of the largest financial services franchises in the Chattanooga area. Over 23 branches and 42 ATM locations make daily transactions effortless, while consumer, small business, and commercial services are readily available. Regions is also an active sponsor of community events.


SMARTBANK
423-385-3000 | smartbank.com

SmartBank offers five full-service branch locations throughout the Chattanooga MSA. Additionally, SmartBank offers a full suite of e-banking products, which allows clients access to their accounts while on the go, as well as several free checking products. Recruiting the best people, delivering exceptional client service, strategic branching, and a conservative and disciplined approach to lending have all given rise to SmartBank’s success.

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SOUTHCREST BANK
706.375.3112 | southcrestbank.com

SouthCrest is a full-service retail bank offering consumer and commercial loans, checking, savings, credit cards, debit cards, online banking, and bill pay. SouthCrest stands on over 100 years of trust and expertise in Georgia and has been serving the Chickamauga area since 1910.


SOUTHEAST BANK
1.844.SEBANKS | southeastbank.com

SouthEast Bank operates branches throughout East and Middle Tennessee, blending modern amenities with hometown service and decision making. Customers enjoy free access to convenient electronic and mobile banking platforms, such as online banking, mobile deposits, person-to-person payments, automatic fraud monitoring, and a worldwide ATM network. SouthEast Bank has full-service branch offices in Athens, Cleveland, Cookeville, Dayton,
Decatur, Hardin Valley, Farragut, Lenoir City, Ooltewah, and Spring City, with plans to expand into additional markets within the region.


SOUTHERN COMMUNITY BANK
423.266.4495 | mysoutherncommunitybank.com

Southern Community Bank has served Tennessee customers for almost ten years. The bank prides itself on providing local services to customers who want to bank with people they know and trust. Loan and deposit products are geared towards personal and small business needs. Southern Community Bank offers a variety of financing services as well as competitive rates, prompt service, and flexibility.


SOUTHERN HERITAGE BANK
423.473.7980 | southernheritagebank.com

Formed in 1998 as a community bank in Cleveland, Tennessee, Southern Heritage became a part of First Citizens National Bank in 2014. Today the bank operates three locations in Cleveland under the Southern Heritage name and offers personal and business banking services along with a wide range of mortgage loans and services.


SUNTRUST BANK
423.757.3714 | suntrust.com

SunTrust Bank maintains one of the largest branch networks of any financial institution in the Chattanooga area. SunTrust Banks, Inc., headquartered in Atlanta, is one of the nation’s largest banking organizations, serving a broad range of consumer, commercial, corporate, and institutional clients. Through its flagship subsidiary, SunTrust Bank, the company operates an extensive branch and ATM network throughout the high-growth Southeast and Mid-Atlantic States and a full array of technology-based, 24-hour delivery channels. The company also serves clients in selected markets nationally. Its primary businesses include deposit, credit, trust, and investment services. Through its various subsidiaries, the company provides mortgage banking, asset management, securities brokerage, and capital
market services.


UNITED COMMUNITY BANK
423.559.2696 | ucbi.com

Headquartered in Blairsville, Georgia, United Community Bank has more than 100 locations throughout Georgia, North Carolina, Tennessee, and South Carolina. In 2015, United Community Banks, Inc. (UCBI) acquired First
National Bank and now has locations in Cleveland, Tennessee. United Community Bank offers business, personal, and corporate and commercial banking services, along with insurance, investment, and planning advisory services.


WELLS FARGO BANK
706.275.8286 | wellsfargo.com

Wells Fargo & Company is a diversified, community-based financial services company with $1.9 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,600 locations, 13,000 ATMs, and online and mobile banking. Wells Fargo has offices in 36 countries and territories to support customers who conduct business in the global economy. With approximately 268,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 27 on Fortune’s 2016 rankings of America’s largest corporations.


CREDIT UNIONS

CHATTANOOGA AREA SCHOOLS FEDERAL CREDIT UNION
423.624.9094 | casfcu.com

Since 1935, the Chattanooga Area Schools Federal Credit Union has served local educators and their families. Its membership number exceeds 10,000, and its services range from money market and retirement accounts to credit products such as mortgages, home equity lines of credit, home improvement loans, and auto loans.


CHATTANOOGA FEDERAL EMPLOYEES CREDIT UNION
423.892.3738 | cfecu.coop

Organized in 1925, the Chattanooga Federal Employees Credit Union (CFECU) is the second oldest credit union in the state of Tennessee. Serving nearly 3,000 members, CFECU provides competitive interest rates and free home banking, online bill pay, a mobile app, and debit cards to members.

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COMTRUST FEDERAL CREDIT UNION
423.756.3300 | comtrustfcu.com

COMTRUST Federal Credit Union is a member-owned, financial institution dedicated to providing cost-effective services to its members. Branches in Chattanooga provide deposit, credit, and lending options, while ATMs are located throughout the city. COMTRUST provides both consumer and business financial services.


HEALTHCARE SERVICES CREDIT UNION
423.242.4728 | hscu.net

Healthcare Services Credit Union (HSCU) serves more than 4,700 members in the medical field plus family members. Since 1952, HSCU has been providing a variety of financial services at great rates.


SCENIC COMMUNITY CREDIT UNION
423.875.6955 | mysccu.com

Chartered in 1954, the Scenic Community Credit Union offers an array of financial services
to members in the Chattanooga area.SCCU has branches in Hixson, East Brainerd, Soddy-Daisy, and Ooltewah. Membership is open to individuals, businesses, and organizations in Hamilton, Marion, and Sequatchie counties in Tennessee, as well as Catoosa, Walker, and Dade counties in Georgia.


SOUTHEAST FINANCIAL CREDIT UNION
423.629.2551 | southeastfinancial.org

Founded in 1936, Southeast Financial serves more than 50,000 members across Tennessee and beyond. Membership includes employees of AT&T, the state of Tennessee, and more than 425 other employee groups. A full-service financial institution, Southeast Financial offers credit cards, personal loans and lines of credit, mortgage and home equity loans, and vehicle loans all supported by online and mobile banking services.


SOUTHERN CREDIT UNION
423.629.2578 | 800.305.5579 |
southerncu.com

Serving locally for more than 83 years, Southern Credit Union has offices in Chattanooga and Knoxville. Southern Credit Union has more than 30,000 surcharge-free ATMs, a full menu of financial services, and free remote access from any mobile device. Additionally, Southern Credit Union provides small businesses a no-cost employee benefit-payroll deduction or direct deposit, along with low cost checking. Southern Credit Union also offers IRAs, Money Markets, home banking, free bill pay, and VISA, auto, home, and other loan services.


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TENNESSEE VALLEY FEDERAL CREDIT UNION
423.634.3600 | tvfcu.com

Serving a 13-county community around the Chattanooga area, Tennessee Valley Federal Credit Union is one of the largest institutions of its kind in the region. With more than 123,000 members and 15 branch locations, the credit union offers a wide array of cost-saving financial services through various delivery channels designed to meet the needs of a growing membership.


TRUST FEDERAL CREDIT UNION
423.870.7610 | trustfcu.com

Serving employees of Unum, CIGNA, and other local companies as well as Chattanoogans who live, work, worship, or attend school in downtown Chattanooga, Trust Federal Credit Union is a local, nonprofit credit union that offers financial products at competitive rates coupled with superior member service.

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