Digital SubAccounting Service

Streamline your escrow subaccounting operations with a platform built for transparency and control. Manage multiple subaccounts efficiently while we handle regulatory and security infrastructure.

FDIC-Insured - Backed by the full faith and credit of the US Government

Here are just a few of the reasons why First Horizon’s Digital SubAccounting Service is the go-to choice for you:

Self-Service Subaccounts

You control when and how you open, manage and close subaccounts. No waiting on approvals or outside assistance means you can respond to your business needs in real time and keep operations moving.

Funds Allocation

Your intra-day transactions settle through the master clearing account, so you can conveniently allocate funds to subaccounts. This means accurate beneficiary tracking and faster access to the information you need to manage your accounts.

Flexible Interest Management

You decide how interest works for your accounts. Keep it at the holding account level, allocate it to individual subaccounts, or split it however makes sense for your business. The flexibility helps you structure accounts to meet your specific requirements.

Beneficiary Access

Grant beneficiaries secure online access to view their subaccount balances, statements and transactions. This reduces your administrative burden while giving beneficiaries the transparency they expect.

1099 Tax Reporting

Automated reporting handles all interest-generating accounts, so you spend less time on manual reporting. This supports your compliance needs and reduces the risk of errors.

Single Sign-On (SSO)

Access your subaccounting services through the same secure login you use for other First Horizon services. One login means less time managing passwords and faster access to your accounts.

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Contact your First Horizon Relationship Manager or Treasury Management Sales Officer to learn how Digital SubAccounting Services can work for your business.

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Digital SubAccounting Service Product Sheet