General Banking FAQs

The business hours vary by branch. To find a location near you and its hours, click here.

Locate an ATM or branch nearest you by clicking here.

The phone number for customer service is 800-382-5465.

Customer service is available:
Monday – Friday: 7:00 a.m. – 10:00 p.m. Eastern
Saturday: 8:00 a.m. – 5:00 p.m. Eastern
Sunday: Closed

ATM deposits and withdrawals will receive same-day processing when the transaction is completed by 8:00 p.m. CST Monday through Friday. Transactions completed on Saturday, Sunday or bank holidays will be processed the following business day.

Except for the processing of real-time transactions, including, but not limited to: wires, ACH, debit card, ATM withdrawal, internal funds transfers, bill pay, and assuming all deposit and withdrawal transactions below are made and received by us within the same business day, transactions currently post to your account in the following order:

1. Credits in descending dollar amount
2. Bank initiated debits in descending dollar amount
3. Non-returnable debits in time stamp order (e.g., wires, ACH pre-fund transactions, debit card, ATM withdrawal, internal funds transfers, bill pay)
4. Non-returnable debits not time stamped (e.g., “on us” cashed checks in check number order)
5. Returnable debits, ACH debit (non pre-fund transactions) by PAR number then checks in check number order
6. Post-system generated transactions: service charges and fees

Note: please be aware that it may take up to 3 days for some signature debit card transactions to be presented to First Horizon from the retailer.

Click here for more information about how to understand your balance.

Click here for more information about real-time processing.

A memo-post is a transaction that has not yet posted, but is temporarily included in the current day's available balance until the nightly ledger update, at which time the transaction is processed and cleared for the next day.

Transactions made on Saturdays are credited or debited on the following business day's nightly processing with the exception of cash transactions, which are memo-posted.

On a case-by-case basis, a hold may be placed on deposits greater than $5,000 to verify funds.

A chargeable debits fee of $.50 is accessed for each item that exceeds 25 items per month. This chargeable debits fee applies only to E-Student and E-Access accounts.

For information on service fees that may apply to your checking or savings account, please visit our Account and Service Fee Summary page.

We offer several overdraft protection products. Click here for a full list, as well as additional tips on protecting your account from overdrafts.

A charge of $35 is assessed, up to three charges per day, for each overdraft created by check, in-person withdrawal, recurring debit card payment or other electronic means and for each overdraft created by ATM withdrawal or one-time debit card purchases if you have opted in to having such items paid into overdraft with a fee assessed. There is no charge for each check drawn on your account that we return (or other order we do not pay) due to insufficient funds. If you overdraw your account by $5 or less on any one day, there will be no overdraft charge.

First Horizon charges a $3 foreign ATM fee whenever you use an ATM outside of the First Horizon ATM network. This fee is separate from the charges imposed by the owner of the ATM used.

A legal settlement now allows merchants to charge consumers a checkout fee (also referred to as a surcharge) when consumers use a credit card for payment. This fee is not permitted on debit or prepaid cards (even if the credit option is chosen for a debit card payment). The effective date of the settlement that allows merchants to charge this fee was January 27, 2013.

No. Banks are not collecting the fee and have no control over the fees charged by merchants. We recommend all cardholders look for merchant notices or ask merchants if they will charge a checkout fee before submitting payment.

It is at a merchant's discretion to choose if they will begin charging consumers a checkout fee for credit card payments.

Merchants are required to disclose the fee at the entrance to their location (website or storefront) in advance of accepting payment. The fee must also be disclosed on the payment receipt. This applies to online transactions and point-of-sale transactions.

Merchant checkout fees can be up to 4% of the transaction amount.

Yes. If you feel a merchant has charged more than permitted or if you have a checkout fee imposed on you for payment with a debit or prepaid card, you can submit a claim for investigation by Visa at www.visa.com/checkoutfees.

If your employer participates in a direct deposit program, you should contact the human resources or payroll department. Typically, they ask you to provide First Horizon's routing and transit number as well as your account number. All these numbers can be found on your checking account checks.

Digital Banking customers can view deposits and withdrawals online. You can also call customer service at 800-382-5465 to check your deposit. In addition, you may receive a check stub from your employer notifying you of the deposit.

Your paycheck is deposited on the prior business day.

Generally, funds are available the morning of a payday.

Social Security Direct Deposit sign-up forms are available at most financial centers. In addition, you can call the Social Security Office at 800-772-1213 by the 22nd of the month to set up direct deposit to begin the following month.

To transfer funds using a PC, use First Horizon's Digital Banking, which allows same-day posting for transfers requested by 9:00 p.m. CST. Click here to enroll in Digital Banking.

To transfer funds from a touch-tone phone, use the Funds Transfer Service, which allows same-day posting for transfers requested by 9:00 p.m. CST. You can also transfer funds between accounts at any First Horizon branch.

Conventional statements include a front/back Image Replacement Document (IRD) of your cancelled checks with your monthly account statement. IRD’s will print three to a page on perforated paper. Image statements contain front images of the cancelled checks with your monthly account statement. Check images will print ten to a page.

The minimum balance to open a checking or savings account is $50. The minimum balance to open a regular CD is $1,000. These amounts may vary due to promotions.

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States Federal Government and insures all types of deposits received by a financial institution in its usual course of business. FDIC-insured deposits are backed by the full faith and credit of the United States Federal Government.

The current standard maximum deposit insurance amount has been permanently increased to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Learn More.

At First Horizon, the confidentiality and protection of client information is one of our highest priorities. We will not disclose information about you to anyone except as disclosed in our Privacy Policy. If you wish for us to limit our sharing, please call 877-242-9880 – our menu will prompt you through your choices.

A savings bond is a certificate of debt issued by the government that guarantees payment of the original debt plus interest after a specified future date. Savings bonds can be purchased for a minimum of $50 and a maximum of $10,000. Series EE bonds are purchased at half of the face value, and Series I bonds are purchased at face value.

A certificate of deposit is a certificate issued by a financial institution confirming a particular deposit. A CD has a maturity date, a specified interest rate, and can be issued in any denomination with a maximum duration of 10 years. First Horizon offers several certificates of deposit with various features and benefits designed to fit your savings needs.

Call customer service at 800-382-5465 to cancel all outstanding checks. Customer service agents can also set up new accounts for customers to prevent fraudulent activity.

Call 800-382-5465 to cancel the lost or stolen card. We will order a new card for you.

If you need to report the fraudulent use of your card, immediately call 877-242-9895 (Hours: 24 hours a day, 7 days a week) so that your card can be blocked to prevent further fraudulent use.

You may submit an online fraud/unauthorized transaction form to report the fraudulent transactions.

Although your specific routing number can vary depending on where you opened your account, you can always use the bank’s main routing number: 084000026. Your specific routing number is located on your check. To see a visual of where to find it, click here.

Bring a copy of your marriage certificate and another form of valid identification to your nearest First Horizon branch to change the name on your accounts.

To change your current address for one or all accounts, call customer service at 800-382-5465 or visit the nearest First Horizon branch.

You can also change your address within Digital Banking. After logging in, visit "Other services" then select "Self service forms."

Current Digital Banking customers can quickly reorder checks within Digital Banking. Log in to Digital Banking.

Checks can be reordered using the Automated Service or visit your nearest First Horizon branch. Please remember though that no change can be made to the check style or features if ordered through the Automated System.

Submit the Request Copy of Statement form, visit your nearest First Horizon branch, or call customer service at 800-382-5465. If you're enrolled in Monthly Statements Online, and you need a statement issued since you enrolled, you can log in and print the statement.

Submit the Request Cleared Check form, visit your nearest First Horizon branch, or call customer service at 800-382-5465. For retail customers, there is no charge for copies of checks posting in the last three months. If the check posted four or more months ago, the cost is $10.00 per hour (for research) and $1.00 per copy.

Visit your local financial center to request a cashier's check. For additional information on cashier's check fees, click here.

Visit your local First Horizon branch.

If the ATM processes your request and attempts to dispense funds but the machine shorts you or no money is disbursed, please contact customer service at 877-242-9895 (Hours: 24 hours a day, 7 days a week), submit an online ATM shortage claim form or visit a financial center to report the issue.

You can visit the customer service forms online and submit the transaction dispute form. You may also submit a transaction dispute by phone by calling 877-242-9895 (Hours: 24 hours a day, 7 days a week).