Banking - Chattanooga Resource and Relocation Guide

BANKING
Banking
IN CHATTANOOGA
Personalized, Convenient
Services for All
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OVERVIEW
BANKING
WITH CHATTANOOGA’S ARRAY OF
LOCAL, REGIONAL, AND NATIONAL
BANKS, along with credit unions and
savings and loan institutions, individuals
and businesses alike enjoy a variety of
money management options.
Depending on the bank, residents have the
opportunity to 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.
As with most financial institutions across the
United States, Chattanooga area banks are working
to serve the needs of aging baby boomers, emerging
millennials, and more women wage earners who
need varying levels of personalized services faster
and more conveniently. To meet these needs, most
banks are quickly and successfully offering mobile
online banking services, expanded digital banking,
and enhanced security. ATMs have and continue
to be expanded or strategically placed for greater
banking convenience, and branch offices are
changing to reflect a more contemporary, casual,
and personal atmosphere.
DID YOU KNOW?
Chattanooga’s banking roots go all
the way back to pre-Civil War times.
The Bank of Chattanooga opened at
the corner of Market and Third streets
in 1855 and even produced its own
currency, including copper and silver
coins and dollar bills.
To further enhance resources needed to better
serve Chattanooga area clients, banks have continued to acquire and merge. In 2015, Pinnacle
Financial Partners purchased CapitalMark Bank and
Trust. FirstBank of Lexington, Tennessee merged
with Northwest Georgia Bank. SmartBank of Knoxville, Tennessee merged with Cornerstone Community Bank, and FSG Bank merged with Atlanta’s
Atlantic Capital Bank. These mergers and acquisitions follow First Citizens National Bank’s (Dyersburg,
Tennessee) 2014 acquisition of Southern Heritage
Bank, and United Community Bank's 2015 purchase
of Money Tree and its subsidiary First National Bank.
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First Tennessee
Focusing on the next 150 years
People, culture, customer service; dedication to convenience and
corporate citizenship – that’s First Tennessee, Chattanooga’s
premier provider of financial services for more than three
decades and the largest bank in the Southeast for the fifth year
in a row. With $1.4 billion dollars in loans outstanding and
over $2.3 billion in deposits, First Tennessee is the full service
bank of choice for consumers, small businesses and corporate
clients in the region.
First Tennessee’s promise is to be the best at serving customers,
one opportunity at a time. That promise builds on a 150year history of serving Tennesseans. Founded in 1864, when
Abraham Lincoln was president, the bank celebrated its 150th
anniversary in March 2014.
The First Tennessee Pavilion hosts the Chattanooga Market
along with many local, regional and national events.
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First Tennessee’s historic legacy of service depends on
employees earning the trust of customers. For the eighth
straight year, First Tennessee was voted the area’s best bank
by readers of the Chattanooga Times Free Press. It was also
recognized as a top investor relations company by Institutional
Investor magazine and named to the elite 100 of technology
innovators by InformationWeek 500. In a recent survey, 90%
of First Tennessee customers said they would recommend the
bank to a friend or family member.
To achieve this level of success requires a workplace that attracts
and retains the best employees. For 2013 through 2015 First
Tennessee was recognized by American Banker as the number
one bank to work for with assets over $10 billion. Other
awards and recognition included top diversity employer by
Professional Women’s Multicultural magazine, top 10 diversity
innovator by Profiles in Diversity Journal, and top 50 company
for executive women by the National Association for Female
Executives. In 2015, Forbes magazine ranked First Tennessee
27 among America’s 500 best employers.The bank has been
consistently noted as one of the nation’s best employers by
AARP and Working Mother magazines and among the best
adoption-friendly workplaces by the Dave Thomas Foundation,
further recognizing the company as an employer of choice.
“There are a number of exceptional reasons to do business
with First Tennessee,” says Keith Sanford, Market President
for Hamilton & Bradley Counties, TN, and Catoosa County,
GA, which comprise the bank’s Southeast Market. “It cannot
be emphasized enough that when you get down to what
differentiates First Tennessee from competitors, our people,
culture, customer service and convenience are the top four.
Our people are very knowledgeable, they have long tenure
with the company, and the turnover among our relationship
managers is extremely low. We have great people! We provide
the quality service day in and day out that is respective of what
we have accomplished here. Our presence is second to none as
far as our level of customer service, and we have a large delivery
system with the most convenient hours in the market. First
Tennessee is an exceptionally good corporate citizen, always
working hard to serve and to improve our communities.”
First Tennessee, a subsidiary of Memphis-based First Horizon
National Corporation, is the largest bank headquartered in
Tennessee. Its 23 financial centers in the Chattanooga area
provide a convenient presence with every location open from
8:30 a.m. until 5 p.m. Monday through Thursday, and on Friday
8:30 a.m. until 6 p.m. We also have many financial centers open
on Saturday 9 a.m. to 1 p.m. FTN Financial, First Horizon’s
capital markets group, also serves the Southeast and has 21
offices in the U.S. and abroad.
Reliability and integrity, convenience, and a comprehensive
array of products are hallmarks of First Tennessee’s dedication
to the prosperous future of the Chattanooga area. “While
there are some basic products that all banks offer, we do
provide others that stand out among our peers and that smaller
banks may not be able to offer, such as sophisticated treasury
management services, or the ability to structure and underwrite
a large credit,” relates Sanford. “As for reliability and integrity,
we always want to do the right thing. That is foremost in our
minds, and we intend to be very transparent about everything,
as a company and as individuals. Without honesty, you really
have nothing.”
Sanford’s leadership and the principles that guide First
Tennessee are reflected in the company’s FIRSTPOWER
Culture. These tenets remind the people of First Tennessee of
their ownership and teamwork and that a job well done is the
first order of business. Further, they are empowered to take
Keith Sanford, Market President for Hamilton
and Bradley Counties, TN, and Catoosa County, GA
care of customers, both internally and externally; to foster an
inclusive workplace where every employee has the opportunity
to demonstrate high performance; to create a flexible work
environment so that team members can embrace both their
personal lives and their responsibilities at work; and also to
know that what they create at work is a reflection of themselves
and, as such, only the absolute best is good enough.
“Of First Tennessee’s four markets, the Chattanooga area has
always come out on top in an internal satisfaction survey, and
our people consider this a good place to work,” concludes
Sanford. “The residents and businesses in our area have a
number of reasons to do business with First Tennessee, and
we invite them to experience the finest quality available in a
banking relationship.”
Our Promise:
Be the best at serving our customers, one opportunity at a time
For more information, stop by one of First Tennessee’s
convenient locations, call (423) 757-4011, or visit online at
www.firsttennessee.com.
SP E CIA L PR O MOTIO NAL P R O F I L E
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BANKING
ANDREW JOHNSON BANK
CITIZENS TRI-COUNTY BANK
423.478.8222 | ajbank.com
423.949.2173 | ctcbonline.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.
Headquartered in Dunlap, Citizens Tri-County
Bank is a full-service financial institution with
locations in Marion, Grundy, Bledsoe, Coffee,
Warren, Van Buren, Sequatchie, and Hamilton counties. Convenient banking services
such as deposits, loans, investing, and mortgages are available at each bank branch.
BANK OF AMERICA
423.485.9400 | cohuttabank.com
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
with the goal of providing Bradley County a
true, locally owned and operated community
bank. Over the years the bank has grown
to include five locations in Cleveland, Tennessee, that offer state-of-the-art financial
services for business and personal banking
needs, all with the same personal touch.
COHUTTA BANKING COMPANY
Cohutta Banking Company is a division of
Synovus Bank, one of the largest community
banking services in the Southeast with more
than $28 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
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 $208.8 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 not-for-profit entities with
annual revenues generally ranging from $20
million to $2 billion, as well as real estate
investors and owners.
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the consumer, as well as loans that meet the
needs of commercial, consumer, and small
business clients.
COMMUNITY TRUST & BANKING CO.
423.238.1111 | commtrustbank.com
With branch offices conveniently located in
Ooltewah, East Brainerd, and Hixson, Community Trust and Banking Company 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.
CORNERSTONE COMMUNITY BANK
423.385.3000 | cscbank.com
Founded in Chattanooga in 1996, Cornerstone Community Bank focuses on meeting
the needs of the business customer through
commercial loans, operating accounts, and
customized financial solutions. Cornerstone
shows its commitment to the local economy
by operating five full-service branch locations throughout the Chattanooga MSA, as
well as offering free online banking, a network of ATMs, remote deposit captures,
merchant card services, payroll processing,
and other value-added services.
BANKING
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.
FSG BANK
423.308.2000 | fsgbank.com
FIRSTBANK
FIRST CITIZENS BANK
423.855.7283 | firstbankonline.com
423.510.7020 | firstcitizens.com
FirstBank is the third largest Tennessee-headquartered bank, with 46 full-service bank
branches across Tennessee, North Alabama, and North Georgia and mortgage
locations across the Southeast. The bank
serves every major metropolitan market in
Tennessee and, with $3 billion in total assets, has the resources to provide a comprehensive variety of financial services and
products while maintaining its community
banking approach to business. FirstBank
has been recognized as one of Tennessee’s
best employers by The Tennessean, Business Tennessee magazine, the Tennessee
Chamber of Commerce & Industry, and the
Tennessee Society for Human Resource
Management. As Tennessee’s leading community bank, 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, 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
423.892.8899 | firsttennessee.com
First Tennessee is the largest banking
institution in Hamilton County and the
largest banking organization headquartered in Tennessee, with approximately
170 locations statewide. Recognized
by national news media for community
service and a family-friendly work environment, the bank provides personal,
business, and corporate services to its customers. It has been ranked eight years in a
row by readers of the Chattanooga Times
Free Press as Best Bank and prides itself
on its customer service. In March 2014, First
Tennessee celebrated its 150th birthday.
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FSG Bank is a community bank serving eastern Tennessee and northern Georgia with
23 full-service locations. FSG Bank provides
business and personal banking services,
trust and investment management, mortgage
banking, and financial planning. As a premier
community bank, FSG supports multiple nonprofit organizations and maintains an ongoing corporate relationship with the athletic
programs at the University of Tennessee at
Chattanooga, the Chattanooga Lookouts,
and Chattanooga FC. Incorporated in 1999,
FSG Bank merged in late 2015 with Atlantabased Atlantic Capital with the goal of expanding business services and extending the
natural footprint of the organization.
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 $6.5
billion in assets at June 30, 2015. As the
second-largest bank holding company headquartered in Tennessee, Pinnacle operates
in Middle Tennessee, Memphis, East Tennessee, and Chattanooga.
106 Years Old
Close to You. Close to the Community.
Experienced People. Local Decisions.
Progressive Growth.
Home Equity Loans
Business Loans
Personal Loans
In-House Mortgage Loans
High Interest Checking
Savings & CD Options
And much more!
www.FirstBankOnline.com
401 Chestnut Street, Suite 100 • Chattanooga • 423.855.7276
2021 Hamilton Place Blvd., Suite A • Chattanooga • 423.855.3023
SMARTBANK
SOUTHEAST BANK
(formerly Cornerstone Community Bank)
423.238.4403 | southeastbank.com
(423) 385-3000 smartbank.com
SouthEast Bank began operations in 2002
with locations in Athens and Decatur, Tennessee. Since that time, Southeast has added
branch offices in Cleveland, Cookeville, Dayton, Farragut, Ooltewah, Spring City, and Ten
Mile: a total of 10 offices to serve customers'
financial needs. SouthEast Bank provides an
outstanding selection of services, including
options for personal banking, business banking, and electronic banking. SouthEast Bank,
with total assets in excess of $825 million, operates full service banking offices throughout
the regions of East and Middle Tennessee.
SmartBank offers five full-service branch locations throughout the Chattanooga MSA.
Additionally, SmartBank offers a full suite of
e-banking products, which allows our 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. At SmartBank, we are committed to
creating a better bank, and we will continue
to work hard and capitalize on opportunities
that build value for our shareholders, clients,
and associates.
REGIONS BANK
SOUTHCREST BANK
423.752.7800 | regions.com
706.375.3112 | southcrestbank.com
Headquartered in Birmingham, Alabama, Re
gions 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.
SouthCrest is a full-service retail bank offering consumer and commercial loans, checking, savings, credit cards, debit cards, mortgages, online banking, bill pay, and investments. SouthCrest stands on over 100 years
of trust and expertise in Georgia and has
been serving the Chickamauga area since
1910.
SOUTHERN COMMUNITY BANK
423.266.4495
mysoutherncommunitybank.com
Southern Community Bank has served Tennessee customers for almost ten years. The
bank prides itself in 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. The bank is
located at 817 Broad Street and is open Monday
through Friday from 9 a.m. to 5 p.m..
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BANKING
SOUTHERN HERITAGE BANK
UNITED COMMUNITY BANK
CREDIT UNIONS
423.473.7980 | southernheritagebank.com
423.559.2696 | ucbi.com
Formed in 1998 as a community bank in
Cleveland, Tennessee, Southern Heritage
became a part of First Citizen’s 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.
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.
CHATTANOOGA AREA SCHOOLS
FEDERAL CREDIT UNION
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.
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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.
WELLS FARGO BANK
CHATTANOOGA FEDERAL EMPLOYEES
CREDIT UNION
706.275.8286 | wellsfargo.com
423.892.3738 | cfecu.coop
Wells Fargo & Company (NYSE: WFC) is a
nationwide, diversified, community-based
financial services company with $1.8 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo
provides banking, insurance, investments,
mortgage, and consumer and commercial
finance through 8,700 locations, 12,800
ATMs, the internet (wellsfargo.com), and
mobile banking. It has offices in 36 countries to support customers who conduct
business in the global economy. With approximately 265,000 team members, Wells
Fargo serves one in three households in
the United States.
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.
Union has more than 30,000 surcharge-free
ATMs, a full menu of financial services, and
free remote access from any mobile device.
Southern Credit Union offers small business
employees financial freedom as well as auto,
home, and other loan services to families
throughout the Southeast.
HEALTHCARE SERVICES
CREDIT UNION
423.242.4728 | hscu.net
Healthcare Services Credit Union (HSCU)
serves more than 4,100 members employed
in the medical field and their family members.
Providing a variety of financial services at reasonable rates, HSCU promotes saving and
financial fitness.
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 65,000 members across Tennes-
TENNESSEE VALLEY
FEDERAL CREDIT UNION
423.634.3600 | tvfcu.com
see and beyond. Membership includes employees of AT&T, the state of Tennessee,
and more than 600 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.
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
115,000 members and 15 branch locations,
the credit union offers a wide array of costsaving financial services through various delivery channels designed to meet the needs
of a growing membership.
TRUST FEDERAL CREDIT UNION
423.870.7610 | trustfcu.com
SOUTHERN CREDIT UNION
423.629.2578 | 800.305.5579
southerncu.com
Southern Credit Union has been in the business of helping people afford life for more
than 80 years. Along with offices in Chattanooga and Knoxville, Southern Credit
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, not-for-profit credit union that
offers financial products at competitive rates
coupled with superior member service.
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