Regulations in Hamblen, Knox, Sevier, Sullivan & Washington County require masks to be worn inside all public buildings.

Routing #264279567


Open a checking account today and experience the difference.

Checking Account Features

  • No minimum balance
  • No monthly fee with eStatements (receive a paper statement for $2/month)
  • Mobile & online banking
  • Free Visa debit card with rewards*
  • Free bill pay
  • Mobile check deposit
  • Card fraud text alerts**

  • Free text-message banking (message and data rates may apply)
  • Direct deposit
  • Surcharge-free ATM access at 55,000+ worldwide locations
  • Overdraft protection with no transfer fee
  • Free Credit Union checks
  • Personalized cards available for purchase

Ask for complete details. Available to qualifying members. The Credit Union does not charge a fee for using foreign ATMs to make a withdrawal. Some of the above services require a check/debit card and/or a smartphone. Membership eligibility requirements apply. Some restrictions may apply. Ask for details. Rate subject to change. *APY = Annual Percentage Yield. Fees may reduce earnings. **Some restrictions may apply. Ask for details. Message and data rates may apply. Not all wireless carriers support FTEU (Free To End User) texting. If your carrier does not support these texts, you will continue to receive phone calls if unusual activity occurs on your card.

Let Your Checking Account Work For You!


To qualify for premium rate, the following must be met monthly:

  • Account balance $500 - $15,000
  • Online/Mobile Banking Login
  • 15+ Debit Card Transactions
  • Enrolled in Direct Deposit and eStatements

High-Yield Checking Benefits:

  • Low minimum balance to earn premium rate
  • Easily transfer funds anytime
  • Earns daily, compounds monthly

*Some restrictions may apply.  Ask for details.  High-Yield Checking is a tiered rate account.  Monthly qualification cycle begins on the first day and ends on the last day of the calendar month.  Terms and conditions may apply.  Rate subject to change.  APY = Annual Percentage Yield. 

PREMIUM RATE of 2.00% APY is earned on balances between $500 and $15,000 when the following monthly qualifications are posted and settled within the monthly qualification cycle: make 15 debit card transactions, login to online/mobile banking at least once, receive e-Statements, and have direct deposit.

NON-PREMIUM RATE of 0.00% APY is earned on balances of $499 or less.  On balances over $15,000, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed.

Debit Card Features

  • Issued immediately at all branch locations
  • Earns cash rewards when used as "credit"
  • 24/7 card support by calling (865) 544-5400
  • Quickly turn cards ON or OFF for extra security with Control My Card by KTVAECU™ learn more
  • Receive fraud notifications via text
  • Personalize your card with a photo learn more

Earn Cashback with uChoose Rewards®

Each time you make a purchase with your Credit Union Debit or Credit Card, you earn points redeemable for cash! Be sure to log into your uChoose account periodically to redeem your points. The cash will be deposited directly into your account! If you have a personal account with a debit or credit card, you are already enrolled. Visit uChoose Rewards to register and set up a username and password. Business debit cards are not eligible for uChoose Rewards.

Earning Points

ALWAYS SAY CREDIT! Be sure to sign for debit transactions rather than entering a PIN, since only signature-based transactions earn reward points. If prompted for a PIN, simply ask the cashier to run the transaction as credit.

Go to uChoose Rewards®

Available to qualifying Members. Some restrictions may apply. Ask for details.