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Banking Services Cleveland TN

Students have plenty of options when it comes to choosing a bank. It’s an important decision and you should really weigh your options and research the potential advantages and disadvantages of each bank. Most banks offer students specially designed student banking services and you may even qualify for a student loan if you need it. Remember this is an opportunity to build your credit so use whatever student credit cards and debit cards the bank issues you responsibly. Please scroll down for more information and access to the commercial banks#10# listed below that are ready to help students.

First Tennessee Bank - 25th Street Branch
(800) 382-5465
85 25th Street
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $9.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact First Tennessee Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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First Tennessee Bank - Walker Valley Branch
(800) 382-5465
170 Mouse Creek Road
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $9.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact First Tennessee Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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SunTrust - 25th Street Branch
(800) 786-8787
1432 Twenty-Fifth Street
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Regions Bank - Ocoee Street Branch
(800) 734-4667
20 N Ocoee Street
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an ATM that's not a Regions ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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BB&T - Cleveland Main Branch
(800) 226-5228
2305 Keith Street
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - Village Shopping Center Branch
(800) 226-5228
101 Keith Street Nw
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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SunTrust - Ocoee Branch
(800) 786-8787
93 Ocoee Street, N.E.
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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First Tennessee Bank - Wildwood Branch
(800) 382-5465
1630 Springplace Road
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $9.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact First Tennessee Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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First Tennessee Bank - Keith Street Branch
(800) 382-5465
100 Keith Street
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $9.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact First Tennessee Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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First Tennessee Bank - Cleveland Bank And Trust Company Bra
(800) 382-5465
775 Raider Drive
Cleveland, TN
ATM Fees
monthly fee: Monthly service fees range from $0 to $9.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact First Tennessee Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Choosing a Bank

By Christopher Schonberger
this article to learn about other investment opportunities.
  • Beware the fees – Big banks earn a lot of revenue for charging customers for services they don't really want. Read the fine print before you make your choice and be on the lookout for minimum balance fees, ATM fees, checking fees, and bounced check fees.
  • The credit trap – The easiest way to plunge yourself into debt is to start swiping plastic like a maniac and later discovering you have no money to pay for it at the end of the month. Don't treat credit cards as if they were free money—they're not!
  • Switching banks – If you are switching banks, make sure all you have your ducks in order first (e.g., make sure all checks have cleared, notify your employer of the change if you receive payment by direct deposit, etc.).
  • Being suspicious of “banking” is a time-honored tradition that dates back to the days of ancient Greece, when gold was horded in temples by lecherous, inbred priests (at least according to the movie 300). Sometime later, Adam Smith used his “invisible hand” to invent capitalism

    , or, as it’s now known, “eBay,” and banks resembling the ones we know today were born.

    Things are pretty well regulated these days, but it is still good to bring a healthy amount of wariness to the process of choosing the right bank. Bear in mind that banks make up to 40% of their revenue from the fees they charge on consumer accounts. Like going to the movies, the “feature presentation” (i.e., an account) lures us in and then they turn the screws with overpriced concessions like Swedish Fish and Milk Duds (the banking equivalent of extraneous charges for things we only sort of want).

    Getting kicked off the rents’ account sucks, as does cutting ties with the “Bank of West Hicksville” that gave out free Nalgenes during freshman-year orientation. But it’s time to move on. Like many things that are boring in life, choosing a personal banks seems like an arduous task, but a little research and effort can lead to a lot of saved time and money down the line.

    Pick an Account, Any Account

    Bank accounts are a dime a dozen, and when it comes to basic options most of the major players offer pretty similar terms. Still, you should familiarize yourself with the popular types of accounts before proceeding. It’s worth pointing out that the ability to write checks becomes a lot more important in post-college life when you’re paying rent and other bills, so make sure you will not have to pay extra fees to write the number of checks you need each month.

    Basic Checking Account

    • No minimum balance
    • Can write checks
    • Keep money safe but earn little or no interest

    Negotiable Order of Withdrawal (NOW) Checking

    • Earn interest as long as a minimum balance is maintained
    • Can write checks
    • Pay penalty fee for dipping below min. balance

    Savings Account

    • Earn higher interest (around 5%)
    • No check writing...

    Click here to read the rest of this article from Gradspot.com

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