Personal Banking
should be personal.

At Clayton Bank you’ll get the service you deserve.

Find the Personal Banking solution that works best for you:

Classic Checking

  • $100 minimum opening deposit
  • $10 off 1st check order
  • $5 Monthly Fee*

*Fee is waived with either one monthly direct deposit or maintaining an average daily balance of $100.

Premium Checking

  • $100 minimum opening deposit
  • Free 1st standard check order
  • $6 Monthly Fee*
  • One free cashier’s check per month
  • Safe deposit box discount of $15 per year

* Fee is waived by maintaining an average daily balance of $300

Premium Advantage Checking

  • $100 minimum opening deposit
  • Free 1st standard check order
  • Discounted premium checks
  • Free small safe deposit box
  • Free cashier’s checks

* Fee is wavied by maintaining an average daily balance of $1,000

Student Checking

  • $25 minimum opening deposit
  • Free Smart Pack of checks (75 checks)
  • No minimum balance
  • No monthly Fee

*For clients up to age 26

55+ Checking

  • $100 minimum opening deposit
  • Free 1st standard check order
  • Discounted premium checks
  • Free small safe deposit box
  • One free cashier’s check per month
  • No monthly fee

*Must be at least 55 years old

All Checking accounts come with:


  1. Free ATM/Debit Card
  2. Free Online Banking
  3. Free Mobile Banking App

Regular Savings

  • $5 Minimum Opening Deposit
  • No Monthly Fees
  • Limited to 6 Withdrawals per Month

Money Market

  • $100 Minimum Opening Deposit
  • Limited to 6 Withdrawals Per Month
  • $10 Monthly Fee*

* Fee is wavied by maintaining an average daily balance of $2,500

Health Savings Account (HSA)

  • No Minimum Opening Deposit
  • $10 Off 1st Standard Check Order
  • Includes Free Debit Card
  • $2.50 Fee Per Quarter

Christmas Club

  • $1 Minimum Opening Deposit
  • Interest Compounded Annually
  • Unlimited Deposits
  • $5 Fee Per Early Withdrawal*

*Withdrawals before annual interest distribution

Certificate of Deposits (CDs)

  • Terms from 3 Months to 5 Years

IRA and Roth IRA Products

  • CDs available
  • Savings Account Available


How does Clayton Bank protect my debit card?

Clayton Bank has implemented various security features to help protect you from fraud losses and other potential identity theft issues. These features include limiting use of your debit card outside the Southeast Region and at merchants everywhere that present a higher fraud risk or have experienced confirmed fraud.
To minimize disruptions:

1.     Notify us before traveling outside Tennessee:

  • Email us at
  • Call us at 1-800-894-4402
  • Contact your local branch or client representative

2.     Use your PIN – Your signature or simply swiping your card will not work when traveling outside the Southeast Region.

3.     Carry an alternate method of payment.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud.

We monitor your debit card transactions for potentially fraudulent activity, which may include a sudden change in locale (such as when a U.S.-issued card is used overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. We also monitor online transactions, such as with Online Bill Pay, for possible fraudulent activity.

If we suspect fraudulent debit card use, we’ll call you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on your card. Clayton Bank recommends storing 1-800-369-4887 along with the 800 number on back of debit card in your phone.

To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number, email address and physical address at all times.

What is a compromised card?

A compromised card is a card that is at risk of being used fraudulently. Cards may be compromised due to computer theft, unauthorized network intrusion, or other types of suspicious activity at a store where you shopped or as your card number and payment information travel electronically through the processing system.

How does Clayton Bank react to compromised card situations?

Clayton Bank takes every compromise seriously and requires issuance of new cards for affected customers. Customers will receive notification if their card data has been compromised. The notification will provide detailed information on obtaining a replacement card.

Does receiving a notice from CB that my card has been compromised mean I have fraud on my account?

Not necessarily. A compromised card letter does not mean any fraudulent activity has occurred on your account. In fact, among the list of card numbers CB periodically receives, only a few have been affected by fraud. Remember to review daily transactions using Online Banking and statements to identify any possible fraudulent activity on your accounts.

What if I discover fraud on my account?

Call the bank immediately at 1-800-894-4402 if you identify any fraudulent transactions. You will also need to complete our Cardholder Dispute Form. Please be diligent in monitoring transaction activity on your account using Online Banking and e-statements.

What can I do to protect my card and account information?

While there is no way to completely eliminate debit card fraud, you can take the following steps to minimize the risk of it happening:

  1. Don’t disclose your account number over the phone unless you initiate the call
  2. Guard your debit card number and PIN
  3. Don’t carry your PIN with you or write it on the debit card
  4. Stay away from ATMs that appear dirty, in disrepair or have unusual signage
  5. Carefully check your ATM and debit card transactions
  6. Periodically check your account activity

Please contact us for more information or if you think your account has been compromised in any way at 1-800-894-4402.

Switching Is Easy


We make it easy for you to switch from your old bank to Clayton Bank! Just call or stop by one of our convenient branches and you’ll be on your way to discovering our customer-friendly banking services.

View Our Branch Locations