• Mortgage Loans
  • Real Estate Loans
    • Construction Financing Available
    • 1st and 2nd Mortgages
  • Consumer Loans
    • Secured (Autos) & Unsecured Loans
  • Commercial Loans
    • Inventory Financing Floor Plans & Cash Flow Loans

ATM Services

  • Free Transactions at First National Bank ATMs
  • Free Point of Sale Transactions

Debit Cards

We offer the MASTERCARD Check Card. You can use it anywhere a MASTERCARD is accepted. If your MasterCard is Lost or Stolen you can call 1-866-546-8273 — 24 hours a day 7 days a week.

Credit Cards (VISA)

  • No annual fee (on Non-Rewards Card)
  • Low variable Annual Percentage Rate (APR) on purchases and balance transfers
  • 25- day grace period on all purchases
  • Fraud and zero liability protection
  • Convenience checks
  • Automatic and online payment options
  • Balance transfer feature
  • Travel Accident Insurance - Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
  • Auto Rental Collision Damage Waiver To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage
  • This card is issued by TCM Bank, N.A. Subject to credit approval.

Telephone Banking

Financial Inquiry Request System Teller
931-723-2282 or 1-800-268-3121

  • 24-Hour Telephone Banking Convenience
  • Easy Transfers between accounts
  • Loan Payments
  • Faxed Statements on request
  • Private, easy & convenient banking form you touch tone telephone

Text Banking

Now with one easy text message you can receive your balance or last 4 transactions. You simply text "bal" or "hist" and within seconds your information will be sent to you. It is quicker than logging into your computer or even calling the bank.

It's FREE from FNB (your mobile provider text charges do apply), so just log into your internet banking account and experience convenient banking at your fingertips.

Safety Deposit Boxes

Safety Deposit Boxes are located at all locations.

"First Choice Reserve" Overdraft Protection & More

First Choice Reserve is an affordable way to manage your overdrafts as well as a personal line of credit. First Choice Reserve eliminates the need for you to come to the bank for small loans. Since you can write checks up to the limit of your personal line of credit, you can "write yourself a loan".