Skip to Main Content

General Banking FAQs

What are the general banking hours?

The business hours vary by branch. To find a location near you and its hours, click here.

How can I locate the nearest ATM or branch?

Locate an ATM or branch nearest you by clicking here.

What is your customer service number?

The phone number for customer service is 800-382-5465.

What are customer service's hours of operations?

Customer service is available:
Monday – Friday: 7:00 a.m. – 10:00 p.m. Eastern
Saturday: 8:00 a.m. – 5:00 p.m. Eastern
Sunday: Closed

What is the cut-off time for ATM transactions?

ATM deposits and withdrawals will receive same-day processing when the transaction is completed by 8:00 p.m. CST Monday through Friday. Transactions completed on Saturday, Sunday or bank holidays will be processed the following business day.

In what order do transactions post during nightly processing?

Except for the processing of real-time transactions, including, but not limited to: wires, ACH, debit card, ATM withdrawal, internal funds transfers, bill pay, and assuming all deposit and withdrawal transactions below are made and received by us within the same business day, transactions currently post to your account in the following order:

  1. Credits in descending dollar amount
  2. Bank initiated debits in descending dollar amount
  3. Non-returnable debits in time stamp order (e.g., wires, ACH pre-fund transactions, debit card, ATM withdrawal, internal funds transfers, bill pay)
  4. Non-returnable debits not time stamped (e.g., “on us” cashed checks in check number order)
  5. Returnable debits, ACH debit (non pre-fund transactions) by PAR number then checks in check number order
  6. Post-system generated transactions: service charges and fees

Note: please be aware that it may take up to 3 days for some signature debit card transactions to be presented to First Horizon from the retailer.

Click here for more information about how to understand your balance.

Click here for more information about real-time processing.

What is a memo-post?

A memo-post is a transaction that has not yet posted, but is temporarily included in the current day's available balance until the nightly ledger update, at which time the transaction is processed and cleared for the next day.

How are Saturday banking transactions processed?

Transactions made on Saturdays are credited or debited on the following business day's nightly processing with the exception of cash transactions, which are memo-posted.

Why is a hold placed on large deposits?

On a case-by-case basis, a hold may be placed on deposits greater than $5,000 to verify funds.

What is a chargeable debits fee?

A chargeable debits fee of $.50 is accessed for each item that exceeds 25 items per month. This chargeable debits fee applies only to E-Student and E-Access accounts.

What are the service fees for my account?

For information on service fees that may apply to your checking or savings account, please visit our Account and Service Fee Summary page.

How can I avoid overdraft fees on my account?

We offer several overdraft protection products. Click here for a full list, as well as additional tips on protecting your account from overdrafts.

How are overdraft fees calculated on consumer accounts?

A charge of $35 is assessed, up to six charges per day, for each overdraft created by check, in-person withdrawal, recurring debit card payment or other electronic means and for each overdraft created by ATM withdrawal or one-time debit card purchases if you have opted in to having such items paid into overdraft with a fee assessed. There is no charge for each check drawn on your account that we return (or other order we do not pay) due to insufficient funds. If you overdraw your account by $5 or less on any one day, there will be no overdraft charge.

What are foreign ATM fees?

First Horizon charges a $3 foreign ATM fee whenever you use an ATM outside of the First Horizon ATM network. This fee is separate from the charges imposed by the owner of the ATM used.

What is a Merchant Checkout Fee?

A legal settlement now allows merchants to charge consumers a checkout fee (also referred to as a surcharge) when consumers use a credit card for payment. This fee is not permitted on debit or prepaid cards (even if the credit option is chosen for a debit card payment). The effective date of the settlement that allows merchants to charge this fee was January 27, 2013.

Is this checkout fee being collected by the bank?

No. Banks are not collecting the fee and have no control over the fees charged by merchants. We recommend all cardholders look for merchant notices or ask merchants if they will charge a checkout fee before submitting payment.

Will all merchants charge the checkout fee?

It is at a merchant's discretion to choose if they will begin charging consumers a checkout fee for credit card payments.

How will I know about the checkout fee?

Merchants are required to disclose the fee at the entrance to their location (website or storefront) in advance of accepting payment. The fee must also be disclosed on the payment receipt. This applies to online transactions and point-of-sale transactions.

How much can merchants charge for checkout fees?

Merchant checkout fees can be up to 4% of the transaction amount.

Can I dispute the checkout fee if I feel the merchant is violating the terms of the checkout fee allowance?

Yes. If you feel a merchant has charged more than permitted or if you have a checkout fee imposed on you for payment with a debit or prepaid card, you can submit a claim for investigation by Visa at

How do I set up Direct Deposit of my payroll check?

If your employer participates in a direct deposit program, you should contact the human resources or payroll department. Typically, they ask you to provide First Horizon's routing and transit number as well as your account number. All these numbers can be found on your checking account checks.

How will I know if my check has been deposited?

Digital Banking customers can view deposits and withdrawals online. You can also call customer service at 800-382-5465 to check your deposit. In addition, you may receive a check stub from your employer notifying you of the deposit.

When my payday falls on a bank holiday, when does my check get deposited?

Your paycheck is deposited on the prior business day.

When do I have access to my funds that are direct deposited?

Generally, funds are available the morning of a payday.

How do I set up Direct Deposit of my Social Security check?

Social Security Direct Deposit sign-up forms are available at most financial centers. In addition, you can call the Social Security Office at 800-772-1213 by the 22nd of the month to set up direct deposit to begin the following month.

How can I transfer funds between First Horizon accounts?

To transfer funds using a PC, use First Horizon's Digital Banking, which allows same-day posting for transfers requested by 9:00 p.m. CST. Click here to enroll in Digital Banking.

To transfer funds from a touch-tone phone, use the Funds Transfer Service, which allows same-day posting for transfers requested by 9:00 p.m. CST. You can also transfer funds between accounts at any First Horizon branch.

What is the difference between conventional statements and image statements?

Conventional statements include a front/back Image Replacement Document (IRD) of your cancelled checks with your monthly account statement. IRD’s will print three to a page on perforated paper. Image statements contain front images of the cancelled checks with your monthly account statement. Check images will print ten to a page.

What is the minimum balance to open a First Horizon account?

The minimum balance to open a checking or savings account is $50. The minimum balance to open a regular CD is $1,000. These amounts may vary due to promotions.

What is the FDIC?

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States Federal Government and insures all types of deposits received by a financial institution in its usual course of business. FDIC-insured deposits are backed by the full faith and credit of the United States Federal Government.

What is the amount of FDIC insurance coverage?

The current standard maximum deposit insurance amount has been permanently increased to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Learn More.

How does First Horizon Bank protect my private information?

At First Horizon, the confidentiality and protection of client information is one of our highest priorities. We will not disclose information about you to anyone except as disclosed in our Privacy Policy. If you wish for us to limit our sharing, please call 877-242-9880 – our menu will prompt you through your choices.

What is a savings bond?

A savings bond is a certificate of debt issued by the government that guarantees payment of the original debt plus interest after a specified future date. Savings bonds can be purchased for a minimum of $50 and a maximum of $10,000. Series EE bonds are purchased at half of the face value, and Series I bonds are purchased at face value.

What is a certificate of deposit?

A certificate of deposit is a certificate issued by a financial institution confirming a particular deposit. A CD has a maturity date, a specified interest rate, and can be issued in any denomination with a maximum duration of 10 years. First Horizon offers several certificates of deposit with various features and benefits designed to fit your savings needs.

I lost my checkbook, what do I do?

Call customer service at 800-382-5465 to cancel all outstanding checks. Customer service agents can also set up new accounts for customers to prevent fraudulent activity.

My debit card is lost or stolen, what do I do?

Call 800-382-5465 to cancel the lost or stolen card. We will order a new card for you.

If you need to report the fraudulent use of your card, immediately call 877-242-9895 (Hours: 24 hours a day, 7 days a week) so that your card can be blocked to prevent further fraudulent use.

You may submit an online fraud/unauthorized transaction form to report the fraudulent transactions.

What is the transit/ABA routing number for First Horizon Bank?

Although your specific routing number can vary depending on where you opened your account, you can always use the bank’s main routing number: 084000026. Your specific routing number is located on your check. To see a visual of where to find it, click here.

If I get married or need to change my legal name for some reason, what do I do?

Bring a copy of your marriage certificate and another form of valid identification to your nearest First Horizon branch to change the name on your accounts.

If I need to change my address on my statements, what do I do?

To change your current address for one or all accounts, call customer service at 800-382-5465 or visit the nearest First Horizon branch.

You can also change your address within Digital Banking. After logging in, visit "Other services" then select "Self service forms."

How do I reorder checks?

Current Digital Banking customers can quickly reorder checks within Digital Banking. Log in to Digital Banking.

Checks can be reordered using the Automated Service or visit your nearest First Horizon branch. Please remember though that no change can be made to the check style or features if ordered through the Automated System.

How do I obtain a copy of my statement?

Submit the Request Copy of Statement form, visit your nearest First Horizon branch, or call customer service at 800-382-5465. If you're enrolled in Monthly Statements Online, and you need a statement issued since you enrolled, you can log in and print the statement.

How do I obtain a copy of a specific check?

Submit the Request Cleared Check form, visit your nearest First Horizon branch, or call customer service at 800-382-5465. For retail customers, there is no charge for copies of checks posting in the last three months. If the check posted four or more months ago, the cost is $10.00 per hour (for research) and $1.00 per copy.

What is a cash advance?

A cash advance is a short-term loan obtained with a credit card (Visa, Mastercard, or DISCOVER). Cash advance fees may apply.

How do I obtain a cashier's check?

Visit your local financial center to request a cashier's check. For additional information on cashier's check fees, click here.

Can I track a cashier's check?

Customers can track cashier's checks by visiting or calling the First Horizon branch where the checks were purchased. 

How do I initiate a wire transfer?

Visit the First Horizon branch nearest you. For additional information on wire transfer fees, click here.

What information is required to receive a wire transfer to my deposit account?

The following domestic and international incoming wiring instructions are required to receive a wire transfer to a First Horizon deposit account.

Beneficiary Bank Information: Beneficiary Information:
ABA/Routing #084000026
First Horizon Bank
165 Madison Ave.
Memphis, TN 38103
Customer Name (as it appears on the account)
Customer Account Number
Customer Address (physical street address)
Beneficiary Bank Information: Beneficiary Information:
First Horizon Bank
165 Madison Ave.
Memphis, TN 38103
Customer Name (as it appears on the account)
Customer Account Number
Customer Address (physical street address)

Additional Information:
Further Credit/Reference Information
Invoice or PO Number

How do I obtain foreign currency?

Visit your local First Horizon branch to request foreign currency. Please allow 2-3 days for delivery to the First Horizon branch. Fees apply to foreign currency exchanges.

How do I find out the currency rate?

Visit your local First Horizon branch.

If I have a transaction problem at an ATM, what do I do?

If the ATM processes your request and attempts to dispense funds but the machine shorts you or no money is disbursed, please contact customer service at 877-242-9895 (Hours: 24 hours a day, 7 days a week), submit an online ATM shortage claim form or visit a financial center to report the issue.

If I want to dispute a transaction made on my account, whom do I contact?

You can visit the customer service forms online and submit the transaction dispute form. You may also submit a transaction dispute by phone by calling 877-242-9895 (Hours: 24 hours a day, 7 days a week).

How do I notify First Horizon of an error or request information about my account?

To notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested.

First Horizon Bank
ATTN: Customer Solutions
P.O. Box 15003
Knoxville, TN 37901-5003

My debit or credit card is not working, what do I do?

If your card is being declined, please call 877-242-9895 to have your account reviewed to determine the cause (Hours: 24 hours a day, 7 days a week).

What are the homes scheduled for foreclosure?

Click here to see the homes that are currently scheduled for foreclosure.

What are the foreclosed homes for sale?

Foreclosed Homes for Sale are properties owned by First Horizon due to defaults on mortgages by the previous owners. First Horizon took ownership of the property when no acceptable offer was made at the foreclosure

Click here to view foreclosed properties that are currently for sale.

Need more info?