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Best Banks & Checking Accounts in Chattanooga, Tennessee - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 6, 2026

The best checking rates for Chattanooga, Tennessee include FirstBank (TN)FirstBank (TN)7442 Shallowford Rd, Chattanooga, TN 37421A5.0 ★Texas Ratio: 6.39% FirstRewards Checking at 1.51% APY, SouthEast BankSouthEast Bank605 Chestnut St, Chattanooga, TN 37450C-3.6 ★Texas Ratio: 31.66% Premium Interest Checking at 0.50% APY, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union535 Chestnut St, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 4.06% TVFCU Perks Platinum Checking at 0.50% APY, Tower Community BankTower Community Bank2212 Encompass Dr, Chattanooga, TN 37421A+5.0 ★Texas Ratio: 0.47% Prime Rate Checking at 0.27% APY, and TRUST Federal Credit UnionTRUST Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN 37415 6911B+4.7 ★Texas Ratio: 18.28% Plus Checking at 0.10% APY. Checking account rates as of April 6, 2026 according to verified data from MonitorBankRates.

Chattanooga has 7 local institutions in our database, with checking rates as high as 1.51% APY from FirstBank (TN) at 7442 Shallowford Rd, Chattanooga, TN, 37421. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Chattanooga, Tennessee. Checking Account Rates Last Updated and Verified: April 6, 2026

Compare Checking Account Rates Today in Chattanooga, Tennessee & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
7442 Shallowford Rd
Chattanooga, TN 37421
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required: 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2212 Encompass Dr
Chattanooga, TN 37421
Prime Rate Checking
0.27%
$500,000
View
▼
Rate0.00%
Min Deposit$500,000
Min Balance—
UpdatedApr 3, 2026
Details

$500,000 - $999,999 range from .2025% to .2700% APY*

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2212 Encompass Dr
Chattanooga, TN 37421
Prime Rate Checking
0.20%
$100,000
View
▼
Rate0.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details

$100,000 - $499,999 range from .1350% to .2025% APY*

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2212 Encompass Dr
Chattanooga, TN 37421
Prime Rate Checking
0.14%
$50,000
View
▼
Rate0.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 2026
Details

$50,000 - $99,999 range from .0675% to .1350% APY*

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln
Chattanooga, TN 37415 6911
Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2212 Encompass Dr
Chattanooga, TN 37421
Prime Rate Checking
0.07%
$25,000
View
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details

$25,000 - $49,999 range from .010% to .0675% APY*

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Interest Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Health Checking Account
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Old National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
735 Broad Street
Chattanooga, TN 37402
ONB Classic Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Old National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
735 Broad Street
Chattanooga, TN 37402
ONB Preferred Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln
Chattanooga, TN 37415 6911
No Frills Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
7442 Shallowford Rd
Chattanooga, TN 37421
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required: 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln
Chattanooga, TN 37415 6911
Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Interest Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Checking
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

N/A

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
High-Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

based on qualifying criteria**

First National Bank of Middle Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
FiRST Impact Interest Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Have at least one Direct Deposit or authorize one automatic payment that posts and settles; Receive Electronic Statements (valid e-mail address is required); Make 15 debit card purchases that posts and settles; Qualifying balance up to $20,000.00

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
High-Yield Checking
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifications Required; Earns rewards.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Growth Checking Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $250,000.00

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
7442 Shallowford Rd
Chattanooga, TN 37421
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required: 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

FNB of Oneida
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
First Reward Checking
0.80%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
New South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Free Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No monthly fees or minimum balance

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Southern Bank of Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
small business interest checking
1.00%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required: 15 debit card transactions of $10 or more post and settle per month; Be enrolled and agree to receive e-statements; Qualifying balance up to $250,000.00

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Leading Edge Business Checking
0.75%
$500
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Maximum Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Choice Business Interest Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Maximum Business Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Maximum Business Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Beside You Business Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $100,000.00

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Beyond Free Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$100,000 or greater

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
Preferred Business Checking Account
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Business Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Business Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Beside You Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $99,999.00

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Beyond Free Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$50,000 - $99,999

Chattanooga, TN Checking Rate Trends

Compare local Chattanooga, TN checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Tennessee Checking Trends →
High-Yield Checking — TN Avg
2.415%
▼ 0.556 vs 7 days ago

Tennessee high-yield checking rates fell 0.556 points over the past 7 days to 2.415% APY.

Free Checking — TN Avg
0.897%
▲ 0.012 vs 7 days ago

Tennessee free checking rates rose 0.012 points over the past 7 days to 0.897% APY.

As of Apr 8, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Chattanooga, Tennessee directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Chattanooga, Tennessee. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in TN.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Chattanooga, Tennessee earn interest?

Most traditional local checking accounts in Chattanooga, Tennessee earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Chattanooga, Tennessee FDIC insured?

Yes. Legitimate banks with branches in Chattanooga, Tennessee are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Chattanooga, Tennessee

Based on our current data, some of the highest checking account APYs available to residents of Chattanooga, Tennessee include:
  • FirstBank (TN)
    FirstRewards Checking — 1.51% APY
  • SouthEast Bank
    Premium Interest Checking — 0.50% APY
  • Tennessee Valley Federal Credit Union
    TVFCU Perks Platinum Checking — 0.50% APY
  • Tower Community Bank
    Prime Rate Checking — 0.27% APY
  • TRUST Federal Credit Union
    Plus Checking — 0.10% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Chattanooga, Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 6, 2026

Chattanooga, Tennessee Rates & Resources

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