First Horizon Bank is a Memphis, Tennessee-based regional bank offering personal, small business, commercial, and wealth management services across the Southeast and Mid-South. This guide explains First Horizon Bank’s online banking access, account options, fees, routing details, mobile banking features, and customer support information.
About This Guide
This article draws on First Horizon Bank’s official website and published fee disclosures, reviewed for accuracy at the time of publication. Fees, rates, and account requirements change periodically, so confirm time-sensitive details directly with First Horizon before making financial decisions.
Editorial Review
Written by: Banking Guide Editorial Team
Reviewed for accuracy against: First Horizon Bank’s official disclosures and FDIC records
Subject focus: U.S. consumer and small business banking, digital banking, and account fee structures
Last updated: August 2026
First Horizon Bank Overview
First Horizon Bank Login: Quick Steps
To log in to your First Horizon account:
- Go to the official First Horizon Bank website.
- Select Log In in the top-right corner of the homepage.
- Enter your User ID and password, then select Log In to My Account.
- If you don’t have Digital Banking credentials yet, visit a branch or call customer service to enroll .
- Use Forgot Password if you’re locked out, or call customer service for manual reset assistance.
Once logged in, you can check balances, transfer funds, pay bills, deposit checks remotely, and manage account alerts.
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First Horizon Login Problems and Solutions
| Problem | Likely Cause | Solution |
| Forgot password | Incorrect or expired credentials | Use “Forgot Password” on the login page, or call 800-382-5465 |
| Account locked after failed attempts | Too many incorrect login tries | Wait for the lockout period to reset, or call customer service to unlock manually |
| App won’t load or crashes | Outdated app version or device issue | Update the app, restart your device, or reinstall it |
| Stuck on security verification | One-time code not received or expired | Request a new code, check your registered phone or email, or call support |
| Browser login not working | Outdated browser or cleared cookies interfering with session | Try a different browser, clear cache, or use the mobile app instead |
For issues the app itself can’t resolve, First Horizon’s dedicated mobile app support line is 888-800-9103, while broader login and account access issues go through 800-382-5465 .
First Horizon Mobile Banking App
The First Horizon Mobile Banking app, available on iOS and Android, includes:
- Mobile check deposit
- Real-time balance and transaction tracking
- Bill pay and internal/external transfers
- Zelle payments to enrolled recipients
- Card lock and lost-card reporting
- Branch and ATM locator
If your phone is lost or stolen, disable mobile access through Settings > Mobile after logging in online, or call customer service immediately .
First Horizon Bank Routing Number
First Horizon Bank’s commonly used routing number is 084000026, tied to the Federal Reserve Bank of St. Louis’s Memphis branch. Confirm the exact routing number tied to your own account before submitting direct deposits or transfers, since it can differ for legacy IBERIABANK accounts or accounts opened in certain states.
| Transfer Type | Identifier |
| Domestic ACH / Direct Deposit | 084000026 (verify against your check or account details) |
| Domestic Wire Transfer | 084000026 |
| International Wire (incoming) | SWIFT code FTBKUS4M |
Routing Number FAQ
Is 084000026 always correct? It’s the main published routing number, but some accounts, particularly those migrated from legacy IBERIABANK systems, may carry a different number. Confirm using your own check or account details rather than assuming.
Where can I find my routing number? On the bottom-left of a printed check, in your online or mobile banking account details, or by calling 800-382-5465.
What routing number is used for wire transfers? Domestic wires typically use the same routing number as ACH transfers, while international incoming wires require the SWIFT/BIC code (FTBKUS4M) instead.
First Horizon Bank Accounts and Comparison
Which First Horizon Account Is Best?
| User Type | Recommended Option |
| Wants a simple, fee-free checking account | FirstView Checking |
| Receives regular direct deposits and wants added features | SmartView Checking |
| Wants a full-featured account and can meet waiver requirements | TotalView Checking |
| Prioritizes avoiding overdraft fees | Access Checking |
| Building an emergency fund or short-term savings | Traditional Savings or Money Market |
| Has a lump sum to set aside for a fixed period | Certificate of Deposit (CD) |
Business and Commercial Banking
First Horizon also supports small business checking and savings, business credit cards, treasury management, merchant services, and commercial lending, with a dedicated line for commercial and wealth management clients (888-382-4968) separate from personal banking support (800-382-5465) .
First Horizon Bank Fees and Charges
- Overdraft fee: $35 per item paid into overdraft, capped at three fees per day, on FirstView, SmartView, and TotalView checking
- Overdraft cushion: No fee if the account ends the day overdrawn by $5 or less
- Access Checking overdrafts: This account generally does not pay overdrafts, and no overdraft fee applies
- Dormant account fee: May apply to checking accounts under $5,000 with no activity for one year; savings accounts aren’t assessed this fee
- Overdraft protection transfers: No fee for transfers from a linked savings, money market, or line of credit used for overdraft coverage
Fee schedules can change, so confirm current charges through First Horizon’s official disclosures or a banker before opening an account.
Is First Horizon Bank Safe?
First Horizon Bank is a member of the FDIC, meaning eligible deposits are insured up to standard federal limits per depositor, per ownership category. The bank also maintains dedicated security tools:
- 24/7 fraud and lost/stolen card reporting at 877-242-9895
- Card lock and unlock features within mobile banking
- Alerts for suspicious login attempts or account changes
If you receive a call, text, or email claiming to be from First Horizon and requesting account credentials, contact the bank directly using the number on your card or statement rather than any number in the message .
First Horizon Bank Locations
First Horizon Bank operates branches across states including Tennessee, North Carolina, Florida, Louisiana, Georgia, Alabama, Arkansas, South Carolina, Virginia, Texas, Mississippi, and New York, with the heaviest branch concentration in Tennessee, North Carolina, and Florida. Branch and ATM availability varies by ZIP code, so use the official branch locator on First Horizon’s website to confirm the nearest location, hours, and available services before visiting, since not every branch offers identical in-person services .
First Horizon Bank Review: Is It Worth It?
Best features: A no-fee checking option (FirstView), a capped overdraft policy with a $5 cushion, combined personal and business banking under one institution, and a full-featured mobile app with Zelle and mobile deposit.
Limitations: Branch access is limited outside its Southeast and Mid-South footprint, some checking tiers carry monthly fees unless specific waiver conditions are met, and features vary meaningfully by account tier.
Who should consider it: Customers who live within First Horizon’s branch footprint and want a regional bank offering both in-person service and a capable digital banking platform, especially those who can meet direct deposit or balance requirements to avoid fees.
Who may prefer another bank: Customers who travel or relocate frequently and need nationwide branch access, or those prioritizing the highest savings yields, since online-only banks often offer more competitive rates.
First Horizon Bank Compared With Other Regional Banks
| Bank | Best Known For | Branch Focus | Suitable For |
| First Horizon | Regional personal and business banking | Southeast and Mid-South U.S. | Customers within its regional branch footprint |
| Truist | Large regional network, broad product range | Multiple Southeast and Mid-Atlantic states | Customers wanting wider multi-state branch access |
| Regions Bank | Consumer and business banking | Southern U.S. | Customers wanting combined personal and business services |
| Fifth Third Bank | Digital tools and Midwest/Southeast presence | Midwest and Southeast U.S. | Customers wanting strong digital banking features |
| Synovus | Community-focused regional banking | Georgia, Alabama, South Carolina, Florida, Tennessee | Customers preferring smaller, community-oriented banking |
Fees, rates, and digital features change frequently across all of these institutions, so compare current published terms directly with each bank before switching or opening an account.
Customer Service and Support Options
Frequently Asked Questions
What states does First Horizon Bank operate in?
First Horizon Bank operates branches across Tennessee, North Carolina, Florida, Louisiana, Georgia, Alabama, Arkansas, South Carolina, Virginia, Texas, Mississippi, and New York, with the heaviest concentration in Tennessee, North Carolina, and Florida following its 2020 merger with IBERIABANK.
How do I find my First Horizon account number?
Your account number appears on printed checks, in online banking under account details, and in the mobile app’s account summary. If you can’t locate it, calling customer service or visiting a branch with valid identification confirms it reliably.
Does First Horizon have mobile check deposit?
Yes, the First Horizon Mobile Banking app supports mobile check deposit for eligible checks. Deposit limits and fund availability can vary by account history and check amount, so review the limits shown in your app for larger deposits.
How do I close a First Horizon account?
Closing an account typically requires contacting customer service or visiting a branch to verify a zero or positive balance and confirm no pending transactions remain. Redirect any linked direct deposits or automatic payments to a new account before requesting closure.
Does First Horizon offer business checking online?
Yes, First Horizon offers small business checking accounts, and some can be opened or managed online, though certain business types may require additional documentation or an in-branch visit. Contacting a business banker helps confirm what’s available for your specific business structure.
What happened to First Tennessee Bank and IBERIABANK?
First Tennessee Bank and IBERIABANK merged in 2020 to form First Horizon Corporation. Customers from both legacy banks transitioned to First Horizon’s systems and branding, though some account numbers and routing details changed during migration depending on the original account’s origin.
Can I open a First Horizon account online without visiting a branch?
Yes, certain personal checking and savings accounts can be opened online in a few minutes. Business accounts and specialty products may still require in-person verification or additional paperwork.
How do I set up direct deposit with First Horizon?
Provide your employer or payer with your account number and the routing number confirmed for your specific account. Verify the routing number through online banking or customer service first, since using an incorrect number can delay your deposit.
How does Zelle work with First Horizon Bank?
First Horizon customers can send and receive money through Zelle directly within online or mobile banking. Transfers between enrolled users may be available quickly, but timing and limits can vary, so check current limits in your app before sending larger amounts.
What should I do if my First Horizon debit card is lost or stolen?
Call the bank’s 24/7 fraud and card services line immediately to block the card. You can also temporarily lock it through the mobile app, and request a replacement through online banking or at a branch.
