Community bank offering personal and business checking, savings, loans, and cash management services across Tennessee locations with FDIC insurance.
Editorially reviewed by Harvey Brooks
First Community Bank of Tennessee is a regional community bank serving customers across multiple Tennessee locations including Shelbyville, Lynchburg, and Murfreesboro. The bank operates as a traditional FDIC-insured financial institution backed by the full faith and credit of the U.S. Government.
The bank provides a comprehensive suite of personal banking products including checking accounts (Free Kasasa Cash, Free Kasasa Cash Back, Interest Checking, Senior Classic Checking), savings products (Regular Savings, Kids Club Savings, Christmas Club Account, Money Market Accounts), certificates of deposit, IRAs, and HSAs. For lending needs, they offer personal loans, home mortgages, home equity loans, and auto loans. On the business side, First Community Bank provides business checking accounts, business money market accounts, business loans, SBA loans, USDA Agriculture loans, commercial real estate loans, business lines of credit, and cash management services.
The bank distinguishes itself through Kasasa-branded products that combine free checking with rewards, a focus on accessibility (AudioEye-enabled website), mobile banking with mobile deposit capability, and identity protection services through Kasasa Protect. They emphasize community banking and offer specialized products like School Spirit Debit Cards and agricultural lending programs reflecting their regional focus.
As a community bank, First Community Bank of Tennessee provides traditional banking services without the reach of national institutions. Their strength lies in local presence and specialized lending products for agriculture and small business, though they may have more limited digital innovation or product variety compared to larger regional or national banks. Many banks offer installment loans with fixed monthly payments, giving borrowers a clear payoff timeline.
Yes. First Community Bank Of Tennessee is a registered company headquartered in Shelbyville, TN, founded in 1988. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
First Community Bank of Tennessee is best for Tennessee residents and small business owners seeking personalized community banking with high-yield checking rewards and specialized agricultural lending. The main caveat is that as a smaller regional bank, they likely have fewer branch locations and ATMs than larger competitors, and digital banking capabilities appear less developed than fintech-forward institutions.
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