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

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Brian McKay 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: March 23, 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.

Looking for the best checking accounts in Knoxville, Tennessee? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Knoxville, Tennessee, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Knoxville, Tennessee. Checking Account Rates Last Updated and Verified: March 23, 2026

Knoxville, TN Checking Rate Trends

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

Weekly 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
1.229%
▲ 1.089 from last week

Tennessee high-yield checking rates rose 1.089 points this week to 1.229% APY, up from 0.140% last week.

Rewards Checking — TN Avg
2.556%
▼ 0.119 from last week

Tennessee rewards checking rates fell 0.119 points this week to 2.556% APY, down from 2.675% last week.

As of Mar 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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 17, 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 22, 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—
UpdatedMar 18, 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 18, 2026
Details

Qualifications Required: At least 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—
UpdatedMar 21, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 21, 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
Senior Member Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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—
UpdatedMar 18, 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—
UpdatedMar 13, 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—
UpdatedMar 22, 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—
UpdatedMar 21, 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—
UpdatedMar 18, 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—
UpdatedMar 23, 2026
Details

Minimum Balance to Open Account: $5.00

City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1720 WESTERN AVE
KNOXVILLE, TN 37921
Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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 17, 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 22, 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—
UpdatedMar 18, 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 18, 2026
Details

Qualifications Required: At least 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—
UpdatedMar 21, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 21, 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—
UpdatedMar 18, 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—
UpdatedMar 21, 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—
UpdatedMar 18, 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 22, 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 21, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102
Memphis, TN 38103 1867
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr
Memphis, TN 38125 2376
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

N/A

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

based on qualifying criteria**

First National Bank of Middle Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
200 E Main St
Mcminnville, TN 37110
FiRST Impact Interest Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

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—
UpdatedMar 18, 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 18, 2026
Details

Qualifications Required: At least 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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 21, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102
Memphis, TN 38103 1867
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

FNB of Oneida
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
19260 Alberta St
Oneida, TN 37841
First Reward Checking
0.80%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5420 Broad St S
Trezevant, TN 38258
Rewards Star Checking
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5420 Broad St S
Trezevant, TN 38258
Rewards Star Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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—
UpdatedMar 22, 2026
Details

No additional details provided.

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5420 Broad St S
Trezevant, TN 38258
Rewards Checking
0.40%
$25
View
▼
Rate0.40%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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 20, 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 22, 2026
Details

No monthly fees or minimum balance

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy
Collierville, TN 38017 8711
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S
Calhoun, TN 37309
Free Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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 21, 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
Preferred Business Checking Account
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 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 17, 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—
UpdatedMar 18, 2026
Details

No additional details provided.

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—
UpdatedMar 22, 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—
UpdatedMar 22, 2026
Details

Subject to Change; Monthly; ($5,000 and up)

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—
UpdatedMar 22, 2026
Details

Subject to Change; Monthly; ($5,000 and up)

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 17, 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—
UpdatedMar 22, 2026
Details

Subject to Change; Monthly; ($0-$4,999)

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—
UpdatedMar 13, 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
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

Subject to Change; Monthly; ($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 17, 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 17, 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 17, 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—
UpdatedMar 18, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Southern Bank of Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
675 N Mount Juliet Rd
Mount Juliet, TN 37122
small business interest checking
1.00%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 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%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

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: March 23, 2026

Knoxville, Tennessee Rates & Resources

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