2019 // Banking in Chattanooga

Chattanooga’s Banks and Financial Institutions Stand Apart

With Chattanooga’s range of local, regional, and national banks, along with credit unions and savings and loan institutions, individuals and businesses alike enjoy a variety of financial services.

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.

The Chattanooga banking landscape offers a variety of institutions, from long-established local and regional banks to marketplace newcomers. Among the 28 banks in Chattanooga, recognizable institutions that have served the area for decades include, among others, First Tennessee, SunTrust, First Volunteer, Regions, and Tennessee Valley Federal Credit Union. They’ve been joined in the last decade by new names and new banks created by acquisitions and mergers, re-branding campaigns, regional startups, and recent entries to the market. These include, among others, FirstBank (formerly Northwest Georgia Bank), Synovus (formerly Cohutta Bank Co.), SmartBank (previously Cornerstone Community Bank and Southern Community Bank), Pinnacle Financial Partners (formerly CapitalMark Bank & Trust), Millennium Bank (formerly Community Trust & Banking Co.), Atlantic Capital Bank (formerly FSG), Southeast Bank (headquartered in Knoxville), Reliant Bank (headquartered near Nashville), and more.

Similar to the banking industry across the United States, Chattanooga institutions are pursuing various strategies to effectively reach their key target markets with more and better services. Among these has been the expansion of physical locations. FirstBank recently announced the purchase of the Atlantic Capital operations in Chattanooga, Dalton, and Knoxville – 14 locations in total. Banks such as Tennessee Valley Federal Credit Union, Millennium Bank, Southern Heritage Bank, and SmartBank have sought to expand their brands by building or purchasing additional locations. Additionally, all are fine-tuning their services to meet the diverse needs of their clients, from millennials who want convenient, mobile banking options to baby boomers who want a personal relationship with their local bank. Institutions continue to expand their online presence and digitize more services, creating a secure and convenient environment for their customers. Several banks are opening their doors on Saturdays, lengthening their drive-through hours to accommodate clients’ schedules, or offering remote tellers on their ATMs.

Young woman at ATM smiling using bank card Chattanooga



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.


855.693.7422 | atlanticcapitalbank.com

Atlantic Capital is a publicly traded bank headquartered in Atlanta, Georgia, with corporate offices in Chattanooga and Knoxville. Atlantic Capital provides lending, treasury management, and capital markets services to small and mid-sized businesses. Our banking offices also provide mortgage and other banking services to private and individual clients.



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.



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.



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 $222.9 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.



706.866.1146 | capitalbank-ga.com

Founded in 1963, Capital Bank is a locally owned, independent bank with locations in Fort Oglethorpe, Ringgold, and Chickamauga, Georgia. Services include overdraft shelter, electronic check conversion, check imaging, online banking, bill pay and eStatements, remote ATMs, and more.



706.861.0668 | citizensloan.com

Founded in 1917, Citizens Savings & Loan is a consumer finance company specializing in personal loans. Citizens is independently owned and operated, serving North Georgia and Central and East Tennessee.



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, mortgages, Golden Travel Club, and mobile banking, including mobile remote deposit, are available at each bank branch.



423.570.0280 | cnb-usa.com

For over 50 years, Community National Bank has been proudly serving and delivering high-quality client services to 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.



423.855.7283 | firstbankonline.com

Nashville-based FirstBank, a wholly owned subsidiary of FB Financial Corporation, is the third largest Tennessee-headquartered bank, with 56 full-service bank branches across Tennessee, North Alabama, and North Georgia, and a national mortgage business with offices across the Southeast. The bank serves five of the major metropolitan markets in Tennessee and, with approximately $5 billion in total assets, has the resources to provide a comprehensive variety of financial services and products.

Exterior facade of bank Chattanooga



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.



423.308.2301 | fncbank.com

First National Community Bank, based in Chatsworth, Georgia, recently opened a Chattanooga loan production office. With assets of $160.3 million, First National Community Bank is the 9th biggest in metro Dalton with five area offices.



423.757.4032 | firsttennessee.com

First Tennessee Bank is the largest bank headquartered in Tennessee, with the number one deposit market share in Chattanooga, Memphis, and the Tri-Cities, and a top-five deposit market share in Knoxville and Nashville. First Tennessee has one of the highest customer retention rates of any bank in the country, and American Banker named First Tennessee No. 5 on its list of the top 10 most reputable U.S. banks. The FTB Advisors wealth management group has 313 financial advisors and $27 billion in assets under administration. First Tennessee was founded in 1864 and has the 14th oldest national bank charter in the country. FTB, FTN Financial, and FTB Advisors are part of First Horizon National Corp. First Horizon National Corporation employs almost 6,000 people, making a substantial economic impact on local economies.



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.



256.259.6000 | yourfnbbank.com

FNB Bank has served the banking needs of Northwest Georgia, Tennessee, and Northeast Alabama for more than a century. FNB Bank believes the secret to friendly neighborhood banking is all about real people focused on real service. 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.


JPMorgan Chase


JPMorgan Chase’s mission is to be the best commercial bank by helping its customers succeed and by making a positive difference in the community. The bank’s local delivery model, coupled with its global resources, allows it to provide clients with customized, comprehensive solutions and exceptional service.



423.238.1111 | millenniumbank.com

With branch offices conveniently located in Ooltewah, East Brainerd, Hixson, and 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.



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, their owners, and individuals interested in a comprehensive relationship with their financial institution. Pinnacle’s focus begins with recruiting top financial professionals and giving them the best place to work in Tennessee. The firm earned a place on Fortune’s 2017 and 2018 lists of the “100 Best Companies to Work For” in the U.S., and American Banker recognized Pinnacle as one of America’s “Best Banks to Work For” six years in a row. The firm began operations in downtown Nashville in 2000 and has grown to more than $24 billion in assets. As the second largest bank holding company headquartered in Tennessee, Pinnacle operates in 11 primarily urban markets in Tennessee, the Carolinas, and Virginia.

Smiling bank teller and customer bank Chattanooga



423.752.7800 | regions.com

Headquartered in Birmingham, Alabama, Regions Bank operates one of the largest financial services franchises in the Chattanooga area. Over 20 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.



423.713.2400 | reliantbank.com

Reliant Bank is a full-service commercial bank based in Brentwood, Tennessee, that offers a variety of deposit, lending, and mortgage products to consumer and business customers. Reliant currently serves eight Tennessee counties and operates 17 branches, including a new branch at 633 Chestnut Street, Suite 100 in downtown Chattanooga.  



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, and a conservative and disciplined approach to lending have all given rise to SmartBank’s success.



706.375.3112 | southcrestbank.com

SouthCrest is a full-service retail bank offering consumer, commercial, and mortgage 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.



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, Bearden, and Spring City, with a new location in Chattanooga and Knoxville.



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 and two in Chattanooga under the Southern Heritage name and offers personal and business banking services along with a wide range of mortgage loans and services.



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.

Hundred dollar bills cash currency Chattanooga



888.SYNOVUS | synovus.com

Synovus Bank, a Georgia-chartered, FDIC-insured bank, provides commercial and retail banking, investment, and mortgage services. Its affiliates span 249 branches in Georgia, Alabama, South Carolina, Florida, and Tennessee. Synovus Bank was named one of American Banker’s “Best Banks to Work For” in 2018 and has been recognized as one of the country’s 10 “Most Reputable Banks” by American Banker and the Reputation Institute for four consecutive years. Synovus is an equal housing lender and can be found on Twitter, Facebook, LinkedIn, and Instagram.



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 Ooltewah and Cleveland, Tennessee. United Community Bank offers business, personal, and corporate and commercial banking services, along with insurance, investment, and planning advisory services.



706.861.1028 | wellsfargo.com

Wells Fargo & Company is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo’s vision is to satisfy its customers’ financial needs and help them succeed financially. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, investment, and mortgage products and services, as well as consumer and commercial finance, through 7,950 locations, 13,000 ATMs, and online and mobile banking. It has offices in 37 countries and territories to support customers who conduct business in the global economy. With approximately 262,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 26 on Fortune’s 2018 rankings of America’s largest corporations.




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.



423.892.3738 | cfecu.org

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.

Online banking phone screen hand holding iPhone Chattanooga



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. COMTRUST provides both consumer and business financial services.



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.



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.



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.



423.629.2578 | 800.305.5579

Serving locally for more than 85 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.



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 140,000 members and 18 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.



423.870.7610 | trustfcu.com

Trust Federal Credit Union serves 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.

Did You Know?

Despite record merger activity in the last few years, Chattanooga added more banks and bank branches this past year due to new banks coming into the market. In total, the Chattanooga metro area has 28 banks from which locals can choose.