First Horizon^® Free Checking is for people who want a basic account with some of the benefits of our premier accounts. Open a Free Checking account and you'll enjoy these benefits:

• No monthly service charge.
• No minimum balance.
• Free Banking Online:  Check your account balances, transfer funds between accounts, open new accounts, order checks and more (24-hour access). View the demo now!
• Free Bill Pay Online:  Pay your bills online and save time and money. Payments made from our safe, secure Internet site are guaranteed to arrive on time, or we'll pay the late fee (up to $50), provided you follow the scheduling payments guidelines. You can also have your salary directly deposited into your account and arrange automatic debits for your home loan and other bills.
• Free Monthly Statements Online:  Receive your monthly account statement on the Internet - not in the mail. We'll e-mail you when each new statement is ready. We keep up to 16 months of statements that you can store, print, or download. Includes photo images of cancelled checks.

Additional benefits include:

• No-fee First Check^SM Visa^® Debit Card:  Make purchases wherever Visa debit cards are accepted. Shop and withdraw cash at thousands of Visa Debit merchant locations.
• First Link^SM Telephone Banking:  Check your balances, transfer funds, and get other information from any phone 24 hours a day, 7 days a week with this toll-free banking number (800) 489-2111
• Waived foreign ATM fees:  We are now offering unlimited free foreign ATM transactions. That means that any fees we charge are waived as well as the other financial institution's charges.
• QuickStatements:  Find out your account balance and last 10 transactions at the ATM for $1.
• Direct Deposit:  Deposit your paycheck automatically into your checking account
• FDIC-insured up to $100,000