The The First National Bank of Middle Tennessee is a business credit card from The First National Bank of Middle Tennessee. Application typically pulls a hard report from Experian. The annual fee is $35 Annual Fee ($29 for each additional card). Rewards: Rewards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).