Account and service fees

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

Personal Checking Account Service Charges

TotalView Checking	Service Charges
Monthly Service Charge	$25
Requirements to Refund Monthly Service Charge	You maintain a combined average daily balance of $500,000 in total consumer deposits¹, investment accounts with First Horizon Advisors, Inc. and outstanding home equity and mortgage loan balances held in First Horizon’s portfolio² OR You maintain a combined average daily checking balance of $15,000 across all consumer checking accounts AND at least one direct deposit or bill payment per statement cycle AND any one of the following: $100,000 combined average daily balance in total consumer deposits¹, investment accounts with First Horizon Advisors, Inc. and outstanding home equity and mortgage loans balances held in First Horizon’s portfolio² $5,000 monthly debit card and/or credit card purchases³
View and print the TotalView Checking Account Service Fee Guide

Service Charges

Monthly Service Charge

$25

Requirements to Refund Monthly Service Charge

You maintain a combined average daily balance of $500,000 in total consumer deposits¹, investment accounts with First Horizon Advisors, Inc. and outstanding home equity and mortgage loan balances held in First Horizon’s portfolio²

You maintain a combined average daily checking balance of $15,000 across all consumer checking accounts AND at least one direct deposit or bill payment per statement cycle AND any one of the following:

$100,000 combined average daily balance in total consumer deposits¹, investment accounts with First Horizon Advisors, Inc. and outstanding home equity and mortgage loans balances held in First Horizon’s portfolio²
$5,000 monthly debit card and/or credit card purchases³

SmartView Checking	Service Charges
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 combined average daily balance in total consumer deposits¹ $2,500 in First Horizon credit card purchases³
View and print the SmartView Checking Account Service Fee Guide

Service Charges

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:

FirstView Checking	Service Charges
Monthly Service Charge	$0⁸
View and print the FirstView Checking Account Service Fee Guide

TotalView Money Market Savings⁹	Service Charges
Linked to TotalView Checking Account	No charge

Money Market Savings ¹⁰	Service Charges
Combined balances⁵ of $5,000 or more	Refunded¹⁰
Combined balances⁵ of less than $5,000	$9 per month

Traditional Savings ¹¹	Service Charges
Daily balance of $250 or more all quarter	Refunded¹¹
Daily balance less than $250 all quarter	$5
Charge for each withdrawal exceeding six per quarter	$2

Other Fees & Services All fees below are standard. Please see product-specific information for exceptions.
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 inquiry⁶
Return check/overdraft charges	$35 each⁴
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 and debited from your account.	$16 each
QuickStatements^®: Printout of your last 10 transactions (including bank charges) and available balance from a First Horizon ATM.	$2 each⁶
Dormant Fee: Imposed on checking accounts with balances under $5,000 if there have been no deposits or withdrawals in one year. Savings accounts are not assessed a dormant fee.	$5 per month
Stop Payment Requests	$37 each
Digital Banking	No charge
Bill Pay Online	No charge
Mobile Banking⁷	No charge
Cashier's Check	$8⁶
Legal Action Processing Fee	$100
Account Research and Records	$3 per item

Statement Charges
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
Paper Statements: If you choose to receive your checking account statement in the mail with front and back images of your checks. Savings accounts are not charged a paper statement fee.	$3 per month
Statement Printout	$2 per request

Domestic and International Wire Transfers TotalView Checking will receive a refund for wire fees up to $25 per statement cycle.
Incoming Domestic and International	$15
Outgoing Domestic	$25
Outgoing International	$55
Outgoing Internal	$10