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Account and service fees

Learn more about the service charges, fees and balance requirements for our consumer deposit accounts.

Checking Accounts Service Charges


TotalView Checking
Monthly Service Charge $25
Requirements to Refund Monthly Service Charge

Maintain a $15,000 average daily balance in eligible consumer checking accounts, AND make at least one direct deposit or bill payment per statement cycle, AND any one of the following:

  • $100,000 average daily balance in total First Horizon deposits (checking, savings, CD, IRA), wealth balances and Home Equity and Mortgage loans held in First Horizon’s portfolio

  • $5,000 monthly debit and/or credit card purchase transactions

View and print the TotalView Checking Account Service Fee Guide


SmartView Checking
Monthly Service Charge $15
Requirements to Refund Monthly Service Charge

At least one direct deposit or bill payment per statement cycle AND one of the following:

  • $5,000 average daily balance in your SmartView Checking account

  • $25,000 average daily balance in consumer deposit accounts (checking, savings, CD, IRA)

  • $2,500 First Horizon credit card spend

View and print the SmartView Checking Account Service Fee Guide


FirstView Checking
Monthly Service Charge $0
View and print the FirstView Checking Account Service Fee Guide


Savings Accounts Service Charges


Money Market Savings
Combined balances¹ of $5,000 or more No charge
Combined balances¹ of less than $5,000 $9 per month


Traditional Savings
Daily balance of $250 or more all quarter No charge
Charge for each withdrawal exceeding six per quarter, if your average daily balance for the quarter is less than $250 $2


Minimum Opening Deposits
Checking $50
Savings $50
IRA Accounts $100
Add-On CD $500
CD $1,000


Other Fees & Services
All fees below are standard. Please see product-specific information for exceptions.
Dormant Fee: Imposed on checking accounts with balances under $5,000 if there have been no deposits or withdrawals in 1 year. Savings accounts are not assessed a dormant fee. $5 per month
First Horizon ATM Usage Fees: When you use your First Horizon debit card for deposits, cash withdrawals and most balance inquiries in a First Horizon ATM in the United States. No charge
Non-First Horizon ATM Usage Fees: If you use your First Horizon debit card in a non-First Horizon ATM in the United States. Additional fees will apply for international use and may vary. If you use your First Horizon debit card in a non-First Horizon ATM, the owner of that ATM (or the network it uses) might also surcharge you to use its machine. $3 for each account transaction and each balance inquiry
QuickStatements®: Printout of your last ten transactions and available balance from a First Horizon ATM. $2 each
Overdraft Fee (item paid into overdraft) $35 each
Charge Back Check Fee: Charged for each item you deposit into your account (for example: a check from a third party) that is then returned to us unpaid. $16 each
Stop Payment Requests $37 each


Statements
eStatements: Receive and review your account statements online. No Charge
Paper Statements: If you choose to receive your checking account statement in the mail with front-only images of your checks.
Savings accounts are not charged a paper statement fee.
$2 per month
Digital Banking No charge
Bill Pay Online No charge
Mobile Banking No charge
Cashier's Check $8
Legal Action Processing Fee $100
Account Research and Records $3 per item
Statement Printout $2 per request


Domestic Wire Transfers
Incoming $15
Outgoing $25


International Wire transfers
Incoming $15
Outgoing $55