High-Yield
Checking Accounts

EARN 5.12% APY*
Our new High-Yield Checking account comes with:
- High dividend rate earned on balances
$0 - $24,999.99
- FREE Internet Banking
with FREE Online Bill Pay
- NO monthly service charge
- FREE Smarty Debit Card
- FREE Personalized Starter Checks
- FREE ATM transactions nationwide, via unlimited ATM fee
refunds**
For more information or to apply, please contact your nearest
branch location, or call us at 901.385.5200.

*Credit Approval Required. To receive the best
rate the following qualifiers must be met. You must access online banking at
least once monthly. You must do 10 or more debit card transactions per month not
including ATM withdrawals. You must sign-up for e-statements to receive
statements electronically. You must have at least one direct deposit per month.
Earn the highest rate for balances $0.00 up to $24,999.99. Earn a competitive
rate on balances over $25,000.00 and in months that all of the qualifiers are
not met; our current share draft rate will apply.
**The foreign fee will be
refunded at the end of the month and not intercepted at the time of the
transaction.