Putnam County Courthouse, Cookeville, Tennessee
With banking, you need to know where you keep your money and trust who’s keeping it. At One Bank of Tennessee, we’ve been serving our communities for over 120 years, and we know what matters to the people who live here.
When you bank with us, you’re not dealing with a corporation that sees you as an account number. You’re working with a team that knows your name, understands your goals, and puts your best interests first.
Local Decisions, Local Impact
Big banks follow corporate policies set by executives in other states. Their priorities revolve around shareholders and profits, not the people using their services. We take a different approach.
Every decision we make happens here, with a focus on what benefits our customers and communities. Need a loan for a home or business? We don’t send your application through an automated system that only looks at numbers.
We take the time to understand your situation and make decisions that make sense for you. That flexibility is one of the biggest advantages of banking locally.
When you bank with us, your money stays in Tennessee. It helps a neighbor buy a home, funds a small business expansion, and strengthens the local economy. Big banks send profits elsewhere.
We reinvest in the towns we serve, ensuring financial resources support the people and businesses who make our communities strong.
Personalized Service That Works for You
Walk into one of our branches, and you’ll see familiar faces. Our team lives in the same communities we serve, so we know what’s happening locally. We take the time to answer questions, explain options, and make sure you’re choosing the financial tools that fit your life.
We also know convenience matters. That’s why we offer online and mobile banking: You can manage your money anytime, anywhere.
But when you need real support, you’ll talk to a person—not an automated system. You won’t have to wait on hold for hours or deal with customer service representatives who don’t know your name.
Better Banking, Lower Fees
Banking should help you build financial security, not drain your account with unnecessary fees. That’s why we offer checking and savings accounts with low costs and real benefits.
Looking for a free checking account? We have that. Need an account that earns competitive interest? We’ve got that, too. Our Reward Checking account, for example, offers competitive interest on your balance while refunding foreign ATM fees when you meet simple monthly requirements.1
Unlike big banks, we don’t charge extra fees for the convenience of local service. We focus on keeping more of your money in your hands, where it belongs.
Security You Can Count On
Online banking should be convenient, but it also needs to be safe. We use advanced encryption to protect your information and offer enhanced security features to ensure only you can access your account.2
Your deposits are also FDIC-insured, providing the same protection you’d get at a national bank. The difference? You’re not just another customer in a massive database. You’re part of a banking family that prioritizes your financial safety.
Supporting Small Businesses
Local businesses are at the heart of Tennessee’s small towns. When they thrive, communities thrive. That’s why we provide business owners with the financial support they need.3
A national bank might evaluate a loan application based only on numbers.4 We look at the full picture—your goals, your work ethic, and your plan for the future. That kind of relationship-based banking helps small businesses secure the funding they need to grow.
Beyond loans, we offer business checking and savings accounts with practical features designed for small business owners. We also provide merchant services and cash management tools that make daily operations smoother.
Modern Banking with a Local Touch
With our online and mobile banking services, you can deposit checks, transfer funds, pay bills, and monitor your accounts anytime, anywhere. However, technology should enhance banking, not replace the personal service that makes a difference.
We provide the same digital tools you’d find at a national bank, backed by the customer care that sets us apart. We know that great banking is about more than convenience—it’s about trust, stability, and knowing there’s a team ready to support you when you need it.
Why Banking Local Matters
One Bank of Tennessee has been here for more than a century, and we plan to be here for many more. We’re committed to providing the financial services you need with the personal attention you deserve.
If you’re ready to bank with people who know you and care about your financial future, visit your nearest branch or call us at (800) 368-2498.
Sources
1. https://onebanktn.com/checking/
2. https://onebanktn.com/banking-security/