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

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Brian McKay Brian McKay
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Brian McKay

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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 Knoxville, Tennessee include Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union1316 Wilson Rd, Knoxville, TN 37912A+5.0 ★Texas Ratio: 3.39% High-Yield Checking at 3.50% APY, TNConnect Credit UnionTNConnect Credit Union6211 Middlebrook Pike, Knoxville, TN 37909A+5.0 ★Texas Ratio: 5.73% High Yield Checking at 3.00% APY, Commercial Bank Harrogate, TNCommercial Bank Harrogate, TN7400 Maynardville Pike, Knoxville, TN 37938A+5.0 ★Texas Ratio: 2.92% Cash Back Checking at 2.00% APY, FirstBank (TN)FirstBank (TN)520 W Summit Hill Dr Ste B101, Knoxville, TN 37902A5.0 ★Texas Ratio: 6.39% FirstRewards Checking at 1.51% APY, and SouthEast BankSouthEast Bank412 N Peters Rd, Knoxville, TN 37922C-3.6 ★Texas Ratio: 31.66% Premium Interest Checking at 0.50% APY. Checking account rates as of April 6, 2026 according to verified data from MonitorBankRates.

Knoxville has 14 local institutions in our database, with checking rates as high as 3.50% APY from Knoxville TVA Employees Credit Union at 1316 Wilson Rd, Knoxville, TN, 37912. 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 Knoxville, Tennessee. Checking Account Rates Last Updated and Verified: April 6, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
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

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
6211 Middlebrook Pike
Knoxville, TN 37909
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifications Required; Earns rewards.

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
7400 Maynardville Pike
Knoxville, TN 37938
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

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
520 W Summit Hill Dr Ste B101
Knoxville, TN 37902
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%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
eSpend Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Standard Dividends

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Senior Member Checking Account
0.15%
$0
View
▼
Rate0.15%
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%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
eSpend Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3314 Chapman Hwy
Knoxville, TN 37920
The Best Years Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Fsnb
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
6777 Clinton Hwy
Knoxville, TN 37912
Advanced Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Minimum Balance to Open Account: $5.00

First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St
Knoxville, TN 37921 6750
Golden Circle Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

New South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3261 N Mall Rd
Knoxville, TN 37924
FREE Checking
0.05%
$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
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
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

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
6211 Middlebrook Pike
Knoxville, TN 37909
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifications Required; Earns rewards.

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
7400 Maynardville Pike
Knoxville, TN 37938
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

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
520 W Summit Hill Dr Ste B101
Knoxville, TN 37902
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%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
6211 Middlebrook Pike
Knoxville, TN 37909
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Earns rewards. $3 monthly fee if average daily balance falls below $300

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
7216 Wellington Dr Ste 4
Knoxville, TN 37919 5931
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

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
7400 Maynardville Pike
Knoxville, TN 37938
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

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
520 W Summit Hill Dr Ste B101
Knoxville, TN 37902
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.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
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%
6771 Baum Dr
Knoxville, TN 37919
Reward Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
7216 Wellington Dr Ste 4
Knoxville, TN 37919 5931
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

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

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
3261 N Mall Rd
Knoxville, TN 37924
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
6211 Middlebrook Pike
Knoxville, TN 37909
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No monthly fees or minimum balance

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.

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%
7216 Wellington Dr Ste 4
Knoxville, TN 37919 5931
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
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6771 Baum Dr
Knoxville, TN 37919
Business Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
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%
6771 Baum Dr
Knoxville, TN 37919
Business 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%
6771 Baum Dr
Knoxville, TN 37919
Business Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account
0.15%
$0
View
▼
Rate0.15%
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%
6771 Baum Dr
Knoxville, TN 37919
Business Interest Checking
0.13%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Advantage Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

($5,000 and up)

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3314 Chapman Hwy
Knoxville, TN 37920
Commercial NOW Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Premier Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

($5,000 and up)

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Premier Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

($0-$4,999)

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Advantage Business Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

($1,500-$4,999)

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Free Business Checking Account
0.00%
$0
View
▼
Rate0.00%
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%
6771 Baum Dr
Knoxville, TN 37919
Business Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

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

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.

Knoxville, TN Checking Rate Trends

Compare local Knoxville, 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
3.387%
▲ 2.025 vs 7 days ago

Tennessee high-yield checking rates rose 2.025 points over the past 7 days to 3.387% APY.

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

Tennessee free checking rates rose 0.574 points over the past 7 days to 0.897% APY.

As of Apr 7, 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 Knoxville, 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 Knoxville, 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 Knoxville, Tennessee earn interest?

Most traditional local checking accounts in Knoxville, 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 Knoxville, Tennessee FDIC insured?

Yes. Legitimate banks with branches in Knoxville, 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 Knoxville, Tennessee

Based on our current data, some of the highest checking account APYs available to residents of Knoxville, Tennessee include:
  • Knoxville TVA Employees Credit Union
    High-Yield Checking — 3.50% APY
  • TNConnect Credit Union
    High Yield Checking — 3.00% APY
  • Commercial Bank Harrogate, TN
    Cash Back Checking — 2.00% APY
  • FirstBank (TN)
    FirstRewards Checking — 1.51% APY
  • SouthEast Bank
    Premium Interest Checking — 0.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Knoxville, Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 6, 2026

Knoxville, Tennessee Rates & Resources

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