Business Banking Online FAQs

Banking Online requires:

• A First Horizon Bank account
• Internet access with a 128-bit encrypted browser

Please visit firsthorizon.com/Corporate to enroll today!

Mac users can access their accounts online using their First Horizon Bank Business Banking Online username and password credentials.

Yes! Because Business Banking Online is accessed through the Internet, you can use it from any computer with Internet access with a 256-bit encrypted browser including your mobile device.

You can view all transactions for your checking, savings, and credit card accounts. You can see balances for the following:

• Checking accounts
• Savings accounts
• CDs
• Individual Retirement Accounts (IRAs)
• Installment loans
• Credit cards
• Business lines of credit
• Home equity lines of credit
• Mortgages
• Brokerage accounts

Checking and Savings account available balance, collected balance and transactional information displays real-time activity on your account. The available balance displayed through Business Banking Online includes ATM transactions, funds transfers, point-of-sale and debit transactions completed throughout the day.

Loan and Credit Card information is the closing information from the previous business day.

Business Banking Online allows for client’s to customize user access as needed to meet your company’s needs. If a user requires access to only a single account, the administrator for the profile can use the user entitlements to enable or disable access. Treasury Management Technical Support is available to assist with entitlements by calling 800-778-5915.

Please call 800-778-5915 and Treasury Management Technical Support will enable your new account.

If you do not currently have online access, please visit firsthorizon.com/Corporate to enroll today!

The availability of funds after a transfer depends on two factors: the type of account into which funds are transferred and the time the transfer occurs. Refer to the following table for details.

The Entitlements feature allows an "Admin" to grant access to selected associates to perform certain Business Banking Online functions. An Admin has unlimited rights and access to all enrolled features and services for your business profile. The Admin may add multiple Admins and multiple users. For instance, one associate (user) may need to handle fund transfers while another associate (user) may only need to view the account or access bill pay. Associates (users) are able to access only those functions assigned to them by an Admin through the use of passwords and other security features.

Yes. Each time you log in to Business Banking Online, one secure connection is opened to the bank. This connection is protected using Transport Layer Security (TLS) 1.2, which is a security protocol that prevents eavesdropping, tampering, and message forgery over the Internet. Additional protection is offered to online users in the form of firewall technology. Firewalls monitor all data traffic to and from First Horizon Bank, ensuring that only known users are able to gain access.

If you are a Business Banking Online Admin or regular user, you can contact Treasury Management Technical Support at 800-778-5915 to have your password reset after confirming your identity. If you are a regular business user and have not established or setup your security questions, please contact the person with Admin rights in your organization to have your username or password reset.

You can pay practically anyone using First Horizon Bank's Business Banking Online, including U.S. companies and individuals. The only payments not eligible for the service are those for alimony, child support payments, tax payments, and other court-directed or government payments, fines and penalties. First Horizon Bank does not recommend using Bill Pay Online payment services to fund brokerage or investment services.

To guarantee on-time payment delivery, you will need to enter the processing date of all of your payments at least five business days before the actual due date.

The due date is the day your payment must be received by the payee, not including your grace period. The scheduled date is the day you want to start the process of sending your money to the payee. (Scheduled dates can only be days the bank is open for business.) The scheduled date is not the day the funds are received at the payee.

Tip: To get a feel for Bill Pay Online, you may want to send an internal (inter-company) payment. You will see what the check looks like and that all of the pertinent information the payee requires is on the check, such as your name, address and account number. Of course, many payments are made electronically.

• Before making a payment, verify your payee's address and account information.
• Use the payee name and address shown on your statement or coupon book. If your payee has a separate address for non-standard payments, use that address.
• Allow at least five business days for payment.
• Review your monthly paper statements to ensure your payee's address or account number has not changed.
• Schedule your payments so processing will occur after pending deposits have been credited.

If you follow the simple guidelines above, First Horizon Bank guarantees that your payments will be received on time. If you follow the guidelines and your payment was not received or was late, call 800-778-5915. Any late fees up to $50 per occurrence will be refunded. If a payment posts late due to a payee's delay in processing, First Horizon Bank cannot be held responsible for the late fees.

If your payment was sent electronically or has been cashed by the payee, a stop payment request cannot be processed. Same day bill payment processing begins immediately after you initiate it. Same day bill payments can only be deleted by First Horizon Bank and future dated payments can be modified or deleted until 8pm Central Time on the date the payments are scheduled to be processed. Stop payments can be placed on payments that have already been processed for a fee of $20. Because the initial bill payment request will be sent, it may take up to two business days for funds to be returned to your account. The payee may assess a returned check fee for the stop payment, for which First Horizon Bank will not be responsible.

There is not a fee for Bill Payment Online.

Sure. It's easy to have recurring payments made automatically. (Recurring payments are those such as your mortgage payment which are the same amount every month and are paid at a set time.) You can schedule recurring payments using the Bill Pay Online option.

The majority of online bill payments will be processed electronically. However, some payees do not have the appropriate systems to receive electronic payments; therefore, they will receive a paper check. First Horizon Bank's bill payment provider is continually working with payees to establish an electronic relationship.

Access to TM Services

How to add a user

How to open a new account

Don’t see your question here? Please contact Treasury Management Technical Support at 800-778-5915 or by email at tmtechnicalsupport@firsthorizon.com for assistance.