Digital Banking is both our online banking found at firsthorizon.com and mobile banking app found in your app store.

Digital Banking is free to sign up for and use. Go to firsthorizon.com, click on the red "Log In" button at the top right, then click on Enroll Now.

Once enrollment is complete and approved, accounts will be displayed in Digital Banking within 15 minutes. You will receive an email to confirm that your accounts are now available to view.

A First Horizon Bank Checking, Savings, Credit Card, Home Equity Line of Credit, Installment Loan, Mortgage, CD, IRA, or Brokerage account.

Internet access with one of the latest version(s) of a 128-bit encrypted browser such as Chrome, Firefox, Safari, Edge, etc. or a mobile device with the latest operating system (OS).

Learn how to use Personal Digital Banking by viewing our Online or Mobile Demos here. For Small Business Demos, click here.

You can view balances and transactions for your First Horizon Bank checking, savings, credit cards and home equity lines of credit. You can view balances for CDs, individual retirement accounts (IRAs), installment loans, and brokerage accounts. You can also view transactions and balances on accounts that you add into My Other Accounts from another online financial institution. See Account Aggregation FAQs for more details.

The current balance displayed is the closing information from the previous business day. The available balance displayed includes wires, ACH, ATM transactions, debit card transactions, internal funds transfers, and online bill payments created on the current day. Total available balance also includes First Banking Reserve (if applicable). Available balances are immediately reduced by the authorized purchase amount.

Yes. Digital Banking can be accessed from multiple computers, as long as it is accessed using one of the latest version(s) of a 128-bit encrypted browser. Mobile Banking can be accessed using multiple devices as long as they are on a recent operating system and are not jail broken or modified in any way.

This is a feature that has been put in place for your security. This is to confirm that no one, besides you, is adding a new recipient in Bill Pay/Transfers or making changes to your contact information.

Yes, when you enroll in Digital Banking, you are automatically enrolled for both online banking and mobile banking. Downloadable apps are available for iPhone^®, iPad ^®, and smartphones, or tablets for Android™ and Apple Watch. Visit the appropriate app store to download the First Horizon Bank Mobile Banking app; then you may use your Digital Banking user ID and password to log in.

To recover your user ID, click the Forgot user ID link in the LOG IN drop-down box on the top right side of any page on firsthorizon.com. Next, enter the code presented in the image and your primary email address, and then click Submit. Your user ID will be emailed to you once your email address has been verified.

For password recovery, enter your user ID, click the Forgot password link, click Continue, select your preferred delivery method to receive your code, enter the access code and click Continue. You will be required to enter a new password and confirm it.

Yes. When you attempt to log in, our system is evaluating more information than just the username and password that are being entered. That information is used to determine if the login attempt resembles your prior logins, or if it looks like it may be coming from a suspicious device. Our system will challenge or require stepped up authentication (MFA) during the login process if we detect that the login attempt is coming from a new/unknown/untrusted source, and the user will be sent a verification code to a contact point that is on their profile that they have designated to be used for verification purposes, and the user will be required to enter that verification code in order to log in.

After login, our application requires verification when attempting certain actions or transactions like adding new payees or recipients, when changing contact points on your profile, or other higher risk activities. For greater security, we strongly recommend you designate a mobile phone number on your profile with the “Use for Verification” settings, and that you designate your mobile phone to receive Text Alerts as email is the preferred method for fraudsters.

When you first log in from a new device, you will be prompted to receive a Verification Code to one of the contact points on your profile. When asked if you want that device to be remembered, if you select “Yes,” the system will remember that device and won’t prompt the Verification Code when you log in from that same device in the future. If you choose “No,” the system will not remember that device as a trusted device for you, and thereafter upon each login, the system will prompt you for a Verification Code. If you’re currently not getting prompted for a Verification Code at each login, at some point in the past you have answered “Yes” to that question.

To begin receiving Verification Code prompts upon each login, you can do one of two things: (1) Log in from a new device that you have not previously logged in from, and you’ll be prompted for a Verification Code, and can then select “No” to not remember your device; or (2) If you don’t have access to a new device that you can log in from to trigger this, contact Client Services and request this to be enabled for your online banking profile. Upon your next login, you will be prompted for a Verification Code, and you can then select “No” to the question about remembering your device or if you are using a trust device. Please note that if you enable biometrics (Face ID or Fingerprint ID) for login, the Verification Code prompt is not applicable (i.e., if you want to receive a Verification Code at each login, you will have to use the traditional Username and Password for login, not biometrics).

Yes. To change your User ID or password, click the Profile icon in the upper right hand corner after you have logged in. Next, choose My Profile, then the Security tab. Choose the Change Password button or the Change Username button. Click Save when you have completed your changes.

• Review the Online Privacy Notice.
• Call 877-242-9880.
• Send a message by logging in to Digital Banking.
• Send a message by visiting firsthorizon.com/questions.
• Opting Out of Online Behavioral Advertising (OBA) – If you receive one of our ads because of OBA, it will display an AdChoices icon. By clicking on the icon, you will receive more information about OBA. You also can opt out from receiving targeted ads using OBA. If you choose to opt out, you may still receive online advertising from us. Opting out means only that the ads you do receive will not be based on OBA.

Click here for Retail/Personal; click here for Small Business. The link to our terms of service is also located at the bottom of any page in your Digital Banking under the Legal header.

After enrolling, you automatically have access to your profile and accounts through online or mobile banking. If you prefer to use our Mobile Banking app, download it from the app store on your device. After downloading and opening the app, log in with your user ID and password. If you prefer to bank with your mobile web browser, you do not need to download the app. Simply visit firsthorizon.com and log in with your credentials.

Yes, Digital Banking utilizes industry-standard security protocols that leverage encryption for transferring data. Encryption helps create a secure environment for the information being transferred between your browser or mobile device and First Horizon Bank PIN, password access, Touch ID and Facial recognition on supported devices and application time-out when your computer or phone is not in use.

Also for mobile banking, we ensure that account data is never stored on your device. In the event that your device is lost or stolen, the service can be immediately disabled by either accessing the Settings > Mobile tab after logging in to the Digital Banking website or by calling us at 800-382-5465.

Yes, when you are not on a secure wireless connection, a data plan is typically needed as data usage can become expensive if you exceed your wireless carrier’s limit. Please check with your wireless carrier for more information.

Eligible phones include:

• iPhone (3G or higher) with iOS 13.0 or higher; iPad 2 or higher. Older iPhones and devices without a camera, such as the first version of iPad, are not supported. The iPod Touch^® is not supported at this time.
• Android (9.0 or higher) devices with a camera that supports auto focus.
• You must also download or update to the latest version of the First Horizon Mobile Banking app from the App Store℠, or Google Play™

If you are concerned about misuse of your device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Digital Banking and remove your device.

Push notifications are alerts you receive within your mobile device’s notification center. Push notifications are a way to receive both optional alerts (those that you enroll in) and required security alerts. Simply choose push notifications as a delivery option when setting up or editing your alerts.

Ensure your device's browser has cookies enabled. If you are using the mobile app (iOS or Android), please keep in mind that any accessibility options (larger fonts, magnification, etc.) you have enabled will impact the app.

Yes. With Mobile Banking you can securely authenticate yourself and access Mobile Banking by enabling logins using only your fingerprint or facial recognition. Once enabled, you simply touch the screen when prompted rather than type in a user ID and password. This feature is available for our Android and Apple users who have a device (cellphone and/or tablet) with fingerprint authentication capability and that are using our Mobile Banking apps.

Once you have downloaded the Mobile Banking app, you will be prompted to enable logins by fingerprint or facial recognition after you log in for the first time. If you select “No Thanks,” you can enable these expedited login options at any time by going to the Profile icon in the upper right-hand corner and then choose My Preferences. Simply select the device that you are on and click the Enable Fingerprint or Facial Recognition Authentication button.

You can turn this feature off at any time by selecting the Disable button.

Any tablet or cellphone with fingerprint authentication can be enabled to use one-touch logins to Mobile Banking. Facial authentication is only available on iPhone X, XR and XS.

Once enabled on your app, Quick Glance allows you to see the balances and recent transactions of your First Horizon Bank accounts without having to log in. To enable Quick Glance, log in to the (iOS or Android) app and follow these steps:

1. Choose the Profile icon in the upper right-hand corner.
2. Choose My Preferences.
3. Choose your mobile device in the list provided.
4. Choose the toggle switch to enable Quick Glance.
5. Choose Confirm.

You can now customize which accounts and transactions you can view via Quick Glance. Click on Settings and then the Mobile sub-tab. A list of your accounts is displayed with a selection box for you to choose whether to Show in the Accounts Widget and/or Show in Recent Transactions. Check the boxes for the account(s) and transactions that you would like to display.

Mobile Banking via mobile web browser is supported on all mobile devices with HTML5-capable browsers. In addition, the downloadable app is supported on most iPhone®, iPad®, Apple Watch, and Android™ smartphones or tablets. To download the application, visit the app store on your device. Search for the "First Horizon Mobile Banking app," and download it as you would any other app.

For those who would like to use the Apple Watch app, the First Horizon Bank app will be automatically downloaded to your watch when you download the iOS app onto your phone. You will find it on the home screen of your watch.

Look for the First Horizon Bank logo on the home screen of your watch and tap it to open the Apple Watch app. The app will be automatically downloaded to your watch when you download the First Horizon Bank App to your iPhone.

To keep the Apple Watch app within the dock, press the side (option) button while the app is open and select “Keep in Dock.” Once docked, the app can be quickly accessed by pressing the side button and swiping/scrolling to the app.

With the Apple Watch app, you can view your First Horizon Bank account balances and the 10 most recent transactions.

Once you open the app, you will see two options, Account Balances and Transactions. To view your recent transactions, simply tap Transactions.

Once you open the app, you will see two options, Account Balances and Transactions. To view your recent transactions, simply tap Transactions.

Mobile Deposit is a convenient, easy way to deposit checks from your mobile device into one of your First Horizon Bank accounts. With the iOS or Android app, you can take a photo of your check (note: the device must have a camera), enter the check information and securely submit your deposit for processing. Mobile Deposit eligibility is subject to approval and limits are subject to change. For additional information, please see the questions regarding Mobile Deposit eligibility and limits.

Mobile Deposit is FREE to eligible customers. All customers are subject to approval. There may be charges associated with data usage on your phone or tablet. Check with your wireless carrier for more information.

Mobile Deposit eligibility is based on your particular relationship with the bank. Generally, factors such as balances in your accounts, track record of responsible account usage, etc., can impact your eligibility, deposit limits and funds availability.

If you are eligible for Mobile Deposit, you will be allowed to start a new deposit via the Deposit option on the main screen. Your current deposit limit is displayed once you click Deposit.

Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Items transmitted using Mobile Deposit may be subject to an automatic hold of up to two (2) business days on funds deposited. The length of the delay is counted in business days from the day of your deposit. If you make a deposit before 9 p.m. ET on a banking business day (every day except Saturday, Sundays, and federal holidays), we will consider that day to be the day of deposit. If you transmit an item after 9 p.m. ET, or on a day we are not open, we may consider that the deposit was made on the next business day we are open. If your deposit is declined, we will email you the notice by the first business day after the day we received your deposit. Longer holds may be placed on the funds if we have concerns about their collectability. Check your deposit history to see your deposit status.

1. Sign in to First Horizon Mobile Banking.
2. Tap Mobile Deposit in the lower bar menu.
3. A list of recent deposits will display.
4. Tap on a single deposit to view the available transaction details.

After successfully submitting a deposit with First Horizon Bank Mobile Deposit, you should retain the original check (or a sufficient copy of the front and back of the item) until final settlement of the item. Should there be any dispute that the image does not satisfy legal equivalence requirements, retaining the original check may help you confirm the issue, or you can take the check to another deposit channel (branch, ATM).

• Checks must be made payable to only you. Joint checks or checks made payable to "Cash" are not allowed.
• Checks must not be drawn on a foreign bank or payable in a foreign currency.
• Checks must not be altered on the front of the check in any way.
• Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed.
• Checks must not be dated more than six months prior to the date of deposit.
• Checks must not be dated after the date of deposit.
• Checks must not have previously been returned with a “Stop Payment” or “Account Closed” status.

Before you begin, properly endorse your check. The endorsement should read: For Deposit Only to First Horizon Bank Account of <insert your signature>.

• Sign in to Mobile Banking and select Mobile Deposit in the lower bar menu.
• Tap on Deposit a Check.
• Tap on the account to choose the account.
• Tap on Take Check Image. (Device may prompt you to allow access to your camera.)
• Take a picture of the front of the check by following the guidance feature. When the image is acceptable, our auto capture feature will take the picture for you.
• Tap on Use.
• Next, take a picture of the back of the check following the same steps and tap on Use.
• Next, type in the amount of the check and select which account to deposit the funds into and select Submit.
• Tap Confirm.

Once you have submitted a check for deposit, the status of that check will appear in the History tab. The status will appear as “Submitted” until the item has been reviewed. After review, the status will be updated to either “Approved” or “Rejected.” Once approved, your deposit should appear in your account by the next business day. Funds deposited may be subject to additional holds.

A check deposited by Mobile Deposit may be rejected due to a number of factors, including poor image quality, missing check information, or unacceptable terms.

If you need help setting up Digital Banking or have questions about how to use it, please call us toll-free at 800-382-5465. You can also access our automated system anytime.

Yes, pending items are deducted from your available balance.

Transactions will be displayed in Digital Banking almost instantly after they are completed, even if they are still pending.

At the top of the Spending Summary in the Plan section, you will see all categories listed. Click on the six categories you want displayed in the graph and chart. To view additional categories, click on the arrow on the left underneath the categories, and they will scroll down.

You can set up the following optional alerts under the Settings icon: Account Credit Alert, Balance Threshold Alert, Budget Category Alert, Check Cleared Alert, Merchant Activity Reminder, Payment Due Alert, Periodic Balance Alert, Personal Reminder, Total Budget Reminder, and Transaction Activity Reminder.

Account aggregation is a feature of Digital Banking that involves compiling information from different accounts, which may include bank accounts, credit card accounts and investment accounts, into a single place.

You may need to add the missing accounts. Click on the Settings icon, and then click on the Accounts tab. Accounts available to be added will be listed under Account Visibility. Click on the Show button to make the account visible. If the account is not listed, send us a Secure Message requesting the account be added or call 866-264-5322.

You can find your full checking, savings, CD, IRA, or loan account number by clicking on the account you wish to view. From there, click on Manage my Account, and it will display your full account number as well as more details on the account. For credit card and HELOC accounts, you can find your account number on your statements.

Online accounts are accounts where you have a username and password to log in to an online web service such as firsthorizon.com. The balances and transactions are automatically downloaded from the other financial institution upon your login to Digital Banking. Offline accounts are accounts that do not have an online profile. These accounts must be manually updated.

From the homepage, click/tap on the account you wish to add a nickname to. Click/tap on Manage My Account. Click/tap the Pencil Icon on the right side of the account name. Type in the nickname and click Save.

Visit the Digital Banking Nicknames, Categories and Memos How-To page.

When you add a non-First Horizon Bank account to My Other Accounts, it is for informational purposes only. In order to transfer money to your other account, you must first add it as an account recipient under the Bill Pay/Transfers icon.

Adding a custom recipient (payee) for online bill payments or changing your contact information requires verification.

You will receive a confirmation notice when we successfully receive your transfer request. If system maintenance occurs at the time of your transfer, you might not see the transfer in your account history, but you will see the change in your available balance. These transfers are added to your account history during nightly processing and are displayed in the history on the next business day.

A confirmation number for a bill payment or internal transfer can be found by clicking on the processed transaction from the Bill Pay/Transfers tab underneath the schedule. The field will expand to display the confirmation number. A tracking number for an external transfer can also be found by clicking on the processed transaction from the Bill Pay/Transfers tab underneath the schedule. The field will expand to display the tracking number.

On the Payments page, Lead days and Payment type are visible for each payee. When a Payee is first created, the system will initially show 8 lead days until a payment is scheduled. At that time, the system will verify if the payee is electronic or check.

To guarantee on-time payment delivery, you will need to enter the processing date of all your payments to be at least one, two or three business days before the actual payment due date for electronic payments (payee lead times may vary) and at least eight business days before the actual payment due date for check payments.

Note: The due date is the day your payment must be received by the payee, not including your grace period. Tip: To get a feel for Bill Pay Online, you may want to send a payment to yourself. You will see what the check looks like and that all of the pertinent information the payee needs is on the check, such as your name, address, and account number.

After you enroll in eStatements, your statements will accumulate in the system and will remain available for 24 months.

The last day to opt into receiving a tax form online for 1099-DIV, 1099-INT, 1099-MISC, 1099-OID, 1099-A, 1099-B, 1099-C, 1099-R, and 1098 is December 31 for the current tax year.

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

You can request or receive money with Zelle. Select Get Started to review and accept the Zelle Terms of Service. Select your email address or U.S. phone number on your profile. If the email address or U.S. phone number has not been verified through Digital Banking before, you will be required to receive and enter a one-time verification code. Next, select which account you would like to use with Zelle. You are now ready to start receiving money through Zelle.

To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Zelle is currently available for personal accounts and digital banking profiles. Zelle is not available for Small Business Digital Banking.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes^*.

If you have not yet enrolled with Zelle, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select First Horizon Bank.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment.

It’s easy – Zelle is already available within First Horizon Bank’s Digital and Mobile Banking! Check our app or sign on online and follow a few simple steps to enroll with Zelle today.

Zelle is currently available for personal accounts and digital banking profiles. Zelle is not available for Small Business Digital Banking.

When you enroll with Zelle through First Horizon Bank’s Digital and Mobile Banking, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Horizon Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies First Horizon Bank of the incoming payment. First Horizon Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us toll-free at 800-382-5465 so we can help you.

Money sent with Zelle is typically available to an enrolled recipient within minutes^*.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes^*.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give First Horizon Bank’s Customer Service a call toll-free at 800-382-5465.

Keeping your money and information safe is a top priority for First Horizon Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Zelle nor First Horizon Bank offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call Client Service and ask them to move your email address or U.S. mobile phone number to First Horizon Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your First Horizon Bank account so you can start sending and receiving money with Zelle through First Horizon Bank’s Digital and Mobile Banking. Please call First Horizon Bank’s Customer Service toll-free at 800-382-5465 for help.