Best Banks & Checking Accounts in Chattanooga, Tennessee - June 2026
Brian McKay
Brian McKay
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The best checking rates for Chattanooga, Tennessee include 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: 3.89% TVFCU Perks Platinum Checking at 0.50% APY, TRUST Federal Credit UnionTRUST Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN 37415 6911B+4.7 ★Texas Ratio: 17.13% Plus Checking at 0.10% APY, CapStar BankCapStar Bank735 Broad Street Suite 303 and 304, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 1.98% ONB Preferred Checking at 0.01% APY, and Old National BankOld National Bank735 Broad Street, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 5.09% ONB Everyday or Preferred Checking at 0.01% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Chattanooga has 5 local institutions in our database, with checking rates as high as 0.50% APY from SouthEast Bank at 605 Chestnut St, Chattanooga, TN, 37450. 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: June 16, 2026
Compare Checking Account Rates Today in Chattanooga, Tennessee & the Surrounding Area
Chattanooga Checking Account Rates
Chattanooga, TN 37450
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Chattanooga, TN 37402
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Chattanooga, TN 37402
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Chattanooga, TN 37450
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Chattanooga, TN 37415 6911
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Chattanooga, TN 37450
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Chattanooga, TN 37402
ONB Preferred Checking is an interest-bearing account, the interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account periodically. Interest begins to accrue no later than the business day we receive credit (collected funds) for the deposit of noncash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the Collected Balance in the account each day. The current Annual Percentage Yield [APY] for ONB Preferred Checking accounts accurate as of 2/1/2025 is 0.01% on account balances in all balance tiers. Fees may reduce earnings on this account.
Chattanooga, TN 37402
New checking clients can earn up to $600 when completing qualifying activities. Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
Chattanooga, TN 37415 6911
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Applies to Portion of Your Balance Within the Range
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Subject to Change Monthly
Qualifications Required: 15+ debit transactions; Applicable on balances up to $20,000. 3.50% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.
based on qualifying criteria**
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Applies to Portion of Your Balance Within the Range
Applies to Portion of Your Balance Within the Range
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Qualifying balance up to $25,000.00
Qualifying balance up to $250,000.00
Chattanooga High Yield Checking Rates
Chattanooga, TN 37402
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Chattanooga, TN 37450
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Chattanooga, TN 37402
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Chattanooga, TN 37450
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Chattanooga, TN 37450
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Chattanooga, TN 37415 6911
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Applies to Portion of Your Balance Within the Range
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Qualifications Required: 15+ debit transactions; Applicable on balances up to $20,000. 3.50% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.
Subject to Change Monthly
based on qualifying criteria**
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Applies to Portion of Your Balance Within the Range
Applies to Portion of Your Balance Within the Range
Qualifying balance up to $25,000.00
Qualifying balance up to $250,000.00
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Chattanooga Rewards Checking Rates
Chattanooga, TN 37402
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Chattanooga, TN 37402
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Qualifying balance up to $25,000.00
Qualifying balance $25,000.00+
All balances if qualifications not met
APY if qualifications aren't met
Qualifications Required: eStatements enrollment; one or more online or mobile banking login(s); one or more direct deposit into the account; 15 or more debit card transactions posted per month; Accountholders qualify for 500 bonus ScoreCard points per month when they meet all of the following requirements: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify.
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Chattanooga Free Checking Rates
Chattanooga, TN 37402
New checking clients can earn up to $600 when completing qualifying activities. Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
Minimum Balance to Open Account: $5.00
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Chattanooga Student Checking Rates
Chattanooga Business Checking Rates
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Subject to Change Monthly
Subject to Change Monthly
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Subject to Change Monthly
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Subject to Change Monthly
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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.
Tennessee high-yield checking rates fell 0.654 points over the past 7 days to 1.663% APY.
Tennessee free checking rates rose 0.175 points over the past 7 days to 0.845% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chattanooga, Tennessee checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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 sourcing this data 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?
Are banks in Chattanooga, Tennessee FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Chattanooga, Tennessee
- SouthEast Bank
Premium Interest Checking — 0.50% APY - Tennessee Valley Federal Credit Union
TVFCU Perks Platinum Checking — 0.50% APY - TRUST Federal Credit Union
Plus Checking — 0.10% APY - CapStar Bank
ONB Preferred Checking — 0.01% APY - Old National Bank
ONB Everyday or Preferred Checking — 0.01% APY
Chattanooga, Tennessee Rates & Resources
