Tennessee Commerce Bancorp, Inc. is a bank holding company formed to own the shares of Tennessee Commerce Bank (the Bank). The Bank offers a range of banking services and products. The Bank provides free electronic banking and cash management tools and on-site training for business customers. The Bank competes for local consumer business by providing products, attractive deposit rates, free Internet Banking services and access to a third party regional automated teller machine (ATM) network. The Bank targets service, manufacturing and professional customers and avoids retail businesses with high transaction volume.