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Bank3 is a community bank established in 1910 offering personal and business banking services across Tennessee and Mississippi with a focus on experienced staff and personalized service.
Data compiled from public sources
Bank3 is a regional community bank that has operated since 1910, providing banking services for over a century with a stated commitment to integrity and service. The bank operates multiple locations across Tennessee (Memphis, Union City, Nashville, Jackson, Woodland Mills, Atoka) and Mississippi (Southaven), serving both personal and business banking customers. Their service model emphasizes three core pillars: talent (experienced industry professionals), tradition (over 100 years of banking history), and technology (modern tools while maintaining personal service).
The company positions itself as distinct from larger institutions by combining long-standing relationships with contemporary banking capabilities, operating as an FDIC-insured member institution. Bank3 offers a range of services including personal banking accounts, business banking solutions, mortgage lending, and ACH/wire transfer capabilities. They maintain dedicated mortgage lending offices separate from their main banking centers and provide both branch and digital banking options through a mobile app.
The bank publishes regular holiday closures and provides customer support through toll-free phone lines (1-833-623-BANK) and email support. Their corporate headquarters is located in Memphis, Tennessee, with the ABA routing number 084304968 listed for banking transactions. What distinguishes Bank3 is their explicit positioning as a traditional community bank that has maintained operations for over a century in the same regional markets.
They emphasize experienced staff and local presence as competitive advantages, contrasting their approach with technology-first banking models. The bank maintains physical banking centers in smaller communities (Union City, Woodland Mills, Atoka) where larger national banks may have limited presence, suggesting a regional focus on underserved markets. Bank3 is a legitimate FDIC-insured bank with verifiable headquarters and multiple physical locations.
However, the website provides minimal detail about specific account types, interest rates, fees, loan products, or service terms. Prospective customers would need to contact the bank directly for detailed product information, pricing, and eligibility requirements. The company's emphasis on personal service and local experience context appeals to customers valuing community banking relationships over digital-first experiences.
This is state-level context for Banks consumers in Memphis, TN. It does not confirm that Bank3 or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Bank3 processed 160 mortgage applications in 2023, with 66.2% recorded as approved across 6 states.
160
Applications
66.2%
Approval Rate
$281K
Avg Loan
6
States Served
Based on 160 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Bank3 offers 10 services including Personal banking accounts and services, Business banking solutions, Mortgage lending and refinancing, ACH batch origination and processing, Wire transfer services, and 5 more.
Bank3 has profile signals associated with Customers in Tennessee and Mississippi seeking community bank relationships with personal service, Small business owners in regional markets needing local banking partnerships and ACH/wire capabilities, Homebuyers in served areas seeking mortgage lending from established local lender, Customers preferring physical branch banking in smaller communities over national bank chains.
Key strengths: FDIC-insured member bank with 115+ years of operating history since 1910; Multiple physical banking centers across Tennessee and Mississippi for in-person service; Dedicated mortgage lending offices in separate locations for listed home financing. Areas to consider: Website lacks specific information about account types, interest rates, and fees; Limited product details for personal checking, savings, CD, or credit offerings.
In the Banks category, comparable providers include Bank of Lincoln County, Financial Federal Bank, Independent Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Bank3 is profile signals for individuals and small business owners in Tennessee and Mississippi seeking traditional community banking with local branch presence and personalized service. The primary caveat is that the website provides insufficient information about specific products, rates, and terms—customers must contact the bank directly for detailed information about checking accounts, savings products, loan terms, and pricing to make informed decisions.
Unable to access website to verify current services. Bank of Lincoln County operates as a community banking institution, but their online presence is currently inaccessible.
Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.
Community bank in Memphis, TN offering personal and business banking with competitive money market and CD rates, plus mortgage and construction lending services.
Google rating from 5 reviews
Profile signals: Small business owners and entrepreneurs seeking personalized lending and growth capital with relationship-based banking, High-net-worth individuals interested in private banking with dedicated banker attention and customized solutions
Independent Bank is a community bank based in Memphis, TN offering checking, savings, CDs, auto loans, HELOCs, and personal lines of credit through multiple branch locations.
Google rating from 94 reviews
Profile signals: Memphis-area residents and small business owners seeking community-focused banking with local decision-making, Customers who prefer relationship-based banking and personalized service over digital-only platforms
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