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Covid - 19 Update

As a locally owned bank, we take great pride in the communities in which we live, work, and serve, and our actions have always been guided by a commitment to our customers and the excellence of our people who serve them.  Helping friends is our business.

Given the rapidly evolving and unprecedented circumstances around COVID -19, we have made the difficult decision to temporarily alter the delivery of our services. Beginning Friday, March 20th, our lobbies will be open by appointment only, while our drive-thru service will remain unchanged.  We will continue to deliver our signature hospitality, if only from afar.  The bank cares deeply for its customers, and is here to assist in every way we can.

As we have observed the spread of COVID-19, we have realized that we must do our part in helping to slow the advance of the virus.  Social distancing and a period of separation are essential to this goal.  Teamwork today isn’t about one family or bank or community.  It is about our nation and world.  This altering of service is meant to assist efforts in allowing our government, hospitals and doctors a period to catch up and prepare for COVID-19.

We will continue to actively monitor the situation following guidance from the World Health Organization, the Centers for Disease Control and local health authorities, and will continue to work at safe distances to ensure that our communities remain protected and healthy. 


 Lending Related Matters

As we all try to navigate the COVID-19 pandemic, we want to make sure you know that we will be here to help with the related financial challenges.   We realize that many of you may be negatively impacted by job losses and business closures resulting in a significant drop in your income.  Additionally, you may be a business owner yourself who has experienced a decrease in revenue related to the pandemic.  In either case, you may find that it is difficult to make your payments or service the full amount of your debt with us during this time.

If your income source is negatively impacted due to COVID-19, please contact your loan officer to find out how we can help.  We have several options to reduce, or even delay your monthly payments until we all get through this crisis.  Please contact us before your loans become past due and let us assist you now.

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 Deposit Related Matters


If you have been financially impacted by COVID-19 and need access to funds, we will allow one partial or complete withdrawal without penalty for your Certificate of Deposit(s). The penalty-free withdrawal must be made more than seven days after the issue date or the most recent renewal date (whichever is later). Any other withdrawals will be subject to penalties.

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 What you need to know about Stimulus Payments

  • The IRS will not call, email or text you to verify or request your financial, banking or personal information.
  • Watch out for websites and social media attempts to request money or personal information. The official website is www.IRS.gov.
  • Don't open surprise emails that look like they’re coming from the IRS or click on attachments or links.
  • Don't provide personal or financial information or engage with potential scammers online or over the phone.
  • The IRS will automatically deposit Economic Impact Payments into the bank account customers provided on their 2019 or 2018 tax return for a direct deposit of their tax refund.
  • Anyone who is eligible for an Economic Impact Payment and doesn’t provide direct deposit information will receive a payment mailed to the last address the IRS has on file.
  • The IRS does not charge a fee to issue the payment.

Scammers may:

  • Ask an individual to sign over their Economic Impact Payment check to them.
  • Ask for verification of personal or banking information.
  • Suggest that they can get someone tax refund or Economic Impact Payment faster by working on their behalf.
  • Issue a bogus check, often in an odd amount, then tell a person to call a number or verify information online in order to cash it.

More Information



Banking that can be completed at our

drive-thru locations:


  • Deposits
  • Transfers
  • Loan Payments
  • Withdrawals

 Banking that can be done by appointment only in our lobbies (Please call your banker to set appointments – or call (423) 783-1000):

Scheduling Appointments

  • Open an account
  • Access your Safe Deposit Box
  • Renew a CD
  • Talk to a Loan Officer
  • Complete a wire transfer
  • Debit Card maintenance (Note: You may also call 783-1000 and obtain most of these services.)
  • Account maintenance (Note: You may also call 783-1000 and obtain most of these services.)



We recommend those practicing social distancing, which was recently encouraged by the CDC, to become acquainted with our online banking and our mobile banking. If you haven't enrolled in online access, it only takes a few minutes.

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Online Banking

  • Check account balances.
  • Transfer funds to other accounts and make your
  • Andrew Johnson Bank loan payments.
  • Sign up for E-Statements.
  • Pay bills easily or make person-to-person payments with Online Bill Bay.
  • Elect to receive banking notifications.

Mobile Banking

  • Check account balances and view account history.
  • Deposit checks by taking a picture with your phone (with Bank Approval - call (423) 783-1000 for more information).
  • Transfer funds to other accounts and make your Andrew Johnson Bank loan payments.
  • Manage your Debit Card - temporarily freeze, or set geographical limits.


Contactless Payments

With your smartphone, you can add Andrew Johnson Bank's debit card(s) to your digital wallet. This is available for Apple, Samsung, and Android Pay.

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Andrew Johnson Bank provides ATMs at all 8 Andrew Johnson Bank branch locations. In addition, we also waive 4 "other bank" ATM fees per statement cycle.

Find an ATM

Additional Electronic Resources

24-Hour Telephone Banking

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Additional Retail Phone Support

With a phone call between the hours of 8:30 and 5:00, you will reach a “live” team member who would be happy to show you our signature hospitality and provide additional assistance.

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Website Tutorials

Visit our Education Center to learn more about banking on our online format.

Education Center



We encourage everyone to take the following steps to avoid falling victim to a scam:

  • Don’t click on links from sources you don’t know in general, and specifically pay particular attention right now to any emails regarding the coronavirus.
  • Don’t rely on emails claiming to include up-to-date information on the outbreak. Instead, visit Centers for Disease
    Control and Prevention (CDC) and the World Health Organization (WHO) directly.
  • Do your homework when it comes to donations.
  • Ignore online offers for vaccinations.
  • Be alert to “investment opportunities”.
  • And as always, contact your banker if you have questions, never rush into a decision!



 The safety and health of our employees and customers are of extreme importance. We will continue to monitor the latest information available and provide further updates as necessary.

While the COVID -19 virus brings unexpected challenges, we stand united as we work together to overcome those challenges.  We value you as a customer and friend, and are here to help.


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