Posted by sirtheta on February 9, 2017
Expired Checking Account Bonuses First Tennessee $200 Bonus

Published on February 9th, 2017 | by sirtheta

304

[Expired] [AR, GA, MS, NC, TN, or VA Only] First Tennessee $200 Checking Promotion + $50 Referral Bonus

This bonus has expired, click here to view the best current checking bonuses.

Offer at a glance

  • Maximum bonus amount: $200 (possible +$50 each for referral and money market — see below)
  • Availability: AR, GA, MS, NC, TN, or VA only
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: See below
  • Hard/soft pull: Soft
  • ChexSystems: Yes
  • Credit card funding: Up to $300
  • Monthly fees: $7-$12, waiveable
  • Early account termination fee: Account must be kept open for six months, or bonus forfeit
  • Expiration date: May 31, 2017 July 15th, 2017 September 2nd, 2017 December 9th, 2017

The Offer

Direct link to offer.
  • Receive a sign up bonus of $200 when you open a new Express, Classic, Select, or Premier Checking account with First Tennessee and complete the following:
    • Open account using promo code RL200C
    • Have an opening deposit of at least $300 (note the difference from previous offers, which often required a $100 opening deposit. Might be $100 again), AND
    • Receive at least one direct deposit within 60 days of account opening

 

The Fine Print

  • Offer expires July 15, 2017.
  • Offer is non-transferable and is only available to recipients of this mailer who reside in AR, GA, MS, NC, TN, or VA.
  • To receive $200 checking bonus, you must open your account online starting at this page and ensure promo code RL200C appears where the promo code is requested, or open your account at a financial center and present your mailed offer.
  • You must have an opening deposit of at least $100, and at least one direct deposit must post to your account within 60 days of account opening.
  • Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the bonus will be credited to your account within six weeks of the first direct deposit and will be reported as income on Form 1099-INT. Limit one bonus per household. Cannot be combined with other checking offers.
  • This offer is for new checking households, or for households who have not had an open First Tennessee consumer checking account in the previous 12 months. Customer agrees to maintain account in good standing for a minimum of six months.

Avoiding Fees

Express Checking, $7 Monthly Fee

This is waived if you have at least 1 direct deposit during a statement cycle and is the obvious choice for which account to pick.

Classic Checking $8 Monthly Fee

This cannot be waived (and has been increased in the last couple of months).

Select Checking $9 Monthly Fee

This is waived if you have at least 1 direct deposit and 15 customer-initiated debit transactions during a statement cycle.

Premier Checking, $12 Monthly Fee

This is waived if you have a minimum of $5,000 in combined monthly balances (checking, savings, bank IRAs, or CDs) during a statement cycle.

Early Account Termination Fee

The fine print states that the account must be kept open and in good standing for 6 months. We can assume that they will take the bonus back if you don’t fulfill this requirement.

Referrals

Even though the terms of the offer state that it “cannot be combined with other checking offers”, readers in the past have had success combining the referral bonus with the checking account bonus. In order to receive the referral bonus, you must submit the referral form first, THEN sign up for the $200 bonus.

Note that the terms of the referral are slightly more strict with respect to the direct deposit requirement. You will need to complete two direct deposits of at least $100 each within 60 days of account opening.

If you meet the requirements, both you and the referrer will receive a $50 Visa Gift Card (within about 6 weeks).

You can leave your referral links in the comments below. Please only leave your link once and post your full link for the domain referlive.com (not the bit.ly link you are provided if sharing via Twitter). If we find you doing this more than once, we will remove your comments and ban you from leaving future referral links.

Money Market

You can also get a $50 bonus for opening a money market account with $5,000 in deposits.

Our Verdict

First Tennessee has had bigger checking offers in the past, but this is the highest offer in recent memory that’s been available for so many states (the $250 offer was subsequently limited to just Tennessee and North Carolina). It’s a personal call on whether you should grab this offer or wait for a higher bonus, but I’m not sure one is likely to come along. Given the large state footprint and easy direct deposit requirements, this is better than many of the bonuses found on our best bank account bonuses page and is worth going for. It’s also worth noting that there is a current $300 checking + $100 savings + $50 referral bonus restricted to Middle Tennessee and North Carolina.

There is an explicit state limitation indicated on this offer, so you can expect that they will not honor the promotion if you live outside of the indicated states.

Useful posts regarding bank bonuses:

h/t reader John



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Steve
Steve

On top of the $200 bonus, I was able to get another $50 after signing up for the account.
I used DoC’s link first to open the account, then entered my information here:
https://www.referlive.com/firsttennessee/newcustform/2F58AD435D33/4/08900582UF3YTGD

I received the $200 first, and then a few weeks later the $50 visa card arrived in the mail. The welcome package even suggested to fill out the referral form.

Additional requirements:
1) Open with at least $100, AND
2) Complete TWO direct deposit transactions of AT LEAST $100 EACH within 60 days

Ryan
Ryan

Does household mean address or Social security number? I closed mine a couple months ago, but have a different address now.

William Charles

Most likely both, but not sure.

Chris W.
Chris W.

Steve: I used your referal link to sign up–I look forward to the $50!

Let’s start a conga line! Here’s my referal link: http://bit.ly/2ltE7s6

parkdanil
parkdanil

I’m stuck on one of the application steps. I think it froze but I am unsure if I should close the page.

Jimbob
Jimbob

Call Whitney Moore – Online Sales Specialist

615-734-6019

Kevin Rose
Kevin Rose

Got the $150 bonus plus referral bonus before and the referral bonus came in quick.

Here you go http://bit.ly/2kBSpXd

Kevin Rose
Kevin Rose

Well I’ll assume someone used mine and knocked the requirements out quickly.

Just got a bonus card today 3-13.

Rebekka Alexander
Rebekka Alexander

If you log into the Refer Live site, does it show the correct “Registered Referrals” and “Rewards Earned” information?

Mine shows the correct “Registered Referrals” info, but still says 0 for “Rewards Earned”, even thought the gentleman said his account was open, funded, and he had received his bonus.

thanks!

Kevin Rose
Kevin Rose

I didn’t even realize I could log in. So current run down.

I personally completed the bonus so this makes the data unclear.

$50 Referlive card on 1/27
$50 Referlive card on 3/13

Referlive shows completed referrals on:
1/13
2/15

So either I never got my personal bonus and have received 2 bonuses for referring people or I’m outstanding on 1 bonus card.

If that isn’t clear or you want anything else let me know.

Kevin Rose
Kevin Rose

This is a copy from the previous thread.

2016-12-28 Registered referral.
2016-12-29 Checking opened with SWT150 funded $300 via CC.
2016-12-29 Savings opened with SVSC50 $2000 funded via ACH.
2017-01-06 Full DD from work to checking.
2017-01-10 $3000 ACH Push from CU to Savings.
2017-01-20 Full DD from work to Checking.
2017-01-20 Referlive says bonus is on its way.
2017-01-26 Bonus posts to Checking.
2017-01-26 Bonus posts to Savings.
2017-01-27 Bonus card arrives in mail

Eric
Eric

Chris. W: I used your link and would really appreciate any one to use my link: http://bit.ly/2lupcxR

Derek
Derek

Used your link Eric

Leigh
Leigh

used your link — thanks!

Linda
Linda
Alexander
Alexander
Adam
Adam
Nick
Nick
Chap
Chap
Vito Lu
Vito Lu
Mike
Mike

Nice! Solid bonus.

Her’s mine:
http://bit.ly/2kx1DUP

Lish
Lish
Lee
Lee
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