We know life can get hectic. You don’t always have time to stop by the bank on your lunch break, after work, or on the weekends. Free online banking and bill pay lets you bank on your time — even if it’s 10 o’clock at night and you’ve just gotten the kids to bed.
- Free, secure, and easy-to-use service for Volunteer Bank customers
- Manage a number of banking activities anytime, anywhere with internet access:
- Access eStatements & notices
- View account balances and transaction history
- Transfer funds between accounts (one-time and recurring transfers)
- View images of cleared checks
- Make loan payments
- And more!
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself; fewer bank trips necessary
- Print or download to popular financial management software, such as Quicken and MS Money
Get Started
Enrolling in online banking is easy. Simply click the “Enroll Now” button inside of the Online Banking dropdown at the top right of the website. You will be directed to a page to input your information. If all of your information matches our records, you can immediately access your accounts.
Expand banking beyond the branch or at home. With mobile banking, you could be traveling across the country or be right here in Tennessee — and you’ll still have access to your accounts using your smartphone or tablet.
Mobile Banking
- Convenient, free service available to customers enrolled in online banking*
- Manage a number of banking tasks 24/7 from your mobile device:
- Check account balances
- Deposit checks payable to you (available only on the mobile app)
- View transaction history
- Transfer funds between accounts
- Locate branches and ATMs
- Available to customers with web-enabled phones
- Save valuable time; manage banking at any time, on the go
- Utilize this service three easy ways:
- Web browsing
- App download – App Store® | Google Play™
- Text banking
- Highly secure service, utilizing world-class data encryption
Mobile Deposit
A snap and a swipe are pretty much all you need to deposit a check using our mobile banking app. Simply follow the instructions for depositing a check, and say goodbye to payday bank runs!
- Deposit checks anytime, anywhere from your mobile phone
- Free service for customers with a VSB checking account
- Save time, avoid unnecessary trips to a branch
- Deposit your check in just a few quick clicks
View PDF instructions on how to make a mobile deposit and a snapshot-by-snapshot mobile deposit guide.
*Wireless carrier data rates may apply. View our Volunteer bank mobile privacy policy here.
Use your phone to talk, text… and pay!
Simplifying the way you make purchases has never been easier!
By using a Mobile Wallet, you can make secure, effortless payments from your mobile phone, tablet or smartwatch. There’s no need to pull your card out to swipe, whether you’re buying in store or online.
Mobile Wallet transactions use advanced technology to encrypt your card and account information, keeping your personal information more secure.
Simply link your personal, club or business debit card to your Mobile Wallet and use at any terminal where you see the 
symbol.
To learn more about the most popular mobile wallet options, please see below.
Apple Pay® is the easier, safer way to pay with your Volunteer Bank debit card. Using Apple Pay is simple, and it works with the devices you use every day—iPhone®, Apple Watch® and iPad®. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps, and online has never been easier, safer, or more private.
Google Pay™ is the fast, simple way to pay with your Volunteer Bank debit card in stores and online using your Android® device. Google Pay brings together everything you need at checkout and keeps your payment info safe in your Google Account until you’re ready to pay.
Samsung Pay® lets you keep your favorite cards in one place. Use your Volunteer Bank debit card on your smart devices and simply tap to check out. Samsung Pay is accepted at millions of places—in-store, in-app and online.
It’s time to make the switch to free eStatements. We promise you won't miss that stack of unopened envelopes.
Plus, losing the paper trail also means gaining security. The less you leave for identity thieves, the better you can avoid being a victim of fraud. Save yourself and the environment. Enroll via online banking today.
- Save paper and save the environment
- Fast, free, and easy alternative to paper statements
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new eStatement is ready
How to Enroll
To enroll in eStatements, simply log into online banking. From there, select “Account Statements” from the Accounts menu. Then just follow the simple instructions for first-time eStatement users.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
CDs
Rates are effective as of: {{ dynamic-date }}
| Term | APY | Interest Rate |
|---|---|---|
| 90 Day CD | 3.25% | 3.21% |
| 180 Day CD/IRA | 3.85% | 3.80% |
| 12 Month CD/IRA | 3.40% | 3.36% |
| 18 Month CD/IRA | 3.35% | 3.31% |
| 2 Year CD/IRA | 3.00% | 2.97% |
| 3 Year CD/IRA | 3.00% | 2.97% |
| 4 Year CD/IRA | 3.00% | 2.97% |
| 5 Year CD/IRA | 3.00% | 2.97% |
| IRA Savings | 0.20% | 0.20% |
| 18 Month Variable IRA | 3.35% | 3.31% |
- 1,000 minimum opening balance is required for all Time Deposits.
- A penalty applies for early withdrawal.
Kasasa Cash Checking*
| Balance | APY | Interest Rate |
|---|---|---|
| $.01 - $15,000.99 | 4.00% | 3.93% |
| $15,001+ | 4.00% - 0.05% | 0.05% |
| $.01 or more if qualifications are not met | 0.01% | 0.01% |
*To qualify for a Kasasa Cash® checking account and earn a higher interest rate, you need to ensure the following conditions are met during each Monthly Qualification Cycle:
- Have at least one direct deposit, ACH credit, or ACH payment transaction post and settle in account.
- Make at least 12 debit card purchases which post and settle in your account.
- Be enrolled in and agree to receive eStatements
When you meet the above qualification during a statement cycle:
- Your Domestic ATM fees incurred during the cycle will be reimbursed up to $9.99 per transaction and credited to your account on the last day of the monthly statement cycle.
If you don’t meet these qualifications, don’t worry,
- You will still earn the base rate of .01% for that statement cycle and you can start earning full rewards again in the next statement cycle once you qualify.
*Interest rates may change after the account is opened. The minimum opening balance is $100. Transactions may take one or more banking days from the date the transaction was made to post and to settle in account. The following transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by the bank as ATM transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Accounts are limited to one Kasasa® checking account per social security number. ATM receipt must be presented for reimbursement of $9.99 for individual ATM fees of $10.00 or higher. Account approval is subject to review and is not guaranteed.
Kasasa Saver*
| Minimum Balance To Obtain APY | Minimum Deposit To Open | APY | Interest Rate |
|---|---|---|---|
| $.01 - $50,000.99 | $100 | 0.50% | 0.49% |
| $50,001 or more | $100 | 0.50% - 0.05% | 0.05% |
| $.01 or more if qualifications are not met | $100 | 0.01% | 0.01% |
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
And if you don’t meet these qualifications, don’t worry! You’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Rates may change after account opened.
Money Market and Savings
- Advantage Money Market - Rates are as of February 10, 2025.
| Tier | Daily Balance Range | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 1 | Below $50,000 | 0.250% | 0.25% |
| 2 | Equal to or greater than $50,000.00 but less than $100,000 | 0.349% | 0.35% |
| 3 | Equal to or greater than $100,000.00 but less than $250,000 | 0.399% | 0.40% |
| 4 | Equal to or greater than $250,000.00 but less than $500,000 | 0.499% | 0.50% |
| 5 | Equal to or greater than $500,000.00 but less than $1,000,000 | 0.549% | 0.55% |
| 6 | Equal to or greater than $1,000,000 | 0.598% | 0.60% |
- Rates may change after account opened.
- Minimum balance to open is $100
- Maintenance fee of $15 if balance falls below $5,000 on any one day of the statement cycle
- Fees may reduce earnings
Regular Savings Account
TBD