WHO CAN APPLY

You must be at least 18 years old and a US citizen to apply online.

Here are a few of the things you need to complete your application:

State-issued photo ID
Social Security number and EIN number (Taxpayer ID number)
Date of birth
Contact information – address and phone number
Opening deposit options – debit, credit card or ACH

Applicant must reside within 50 miles of a First Horizon banking center.

Application Requirements

All Beneficial Owners must be included in the application
The primary applicant must be a signer of the account
Up to 4 individuals can be included in each application
Only the Business Types listed in the dropdown can apply online

Additionally, we'll need specific documents
depending on your business type:

LET’S GET STARTED

*Do you, or any of your immediate family members, serve as an elected official for a foreign government or political office? *Do you, or any of your immediate family members, serve as an elected official for a foreign government or political office?

Yes

Your application cannot be completed online.

Please visit a First Horizon Banking Center to continue your application.

*Will you have <a href="https://www.firsthorizon.com/Corporate/Products-and-Services/Treasury-Management">Treasury Management</a> product needs other than ACH credits? *Will you have Treasury Management product needs other than ACH credits?

Yes

Your application cannot be completed online.

Please visit a First Horizon Banking Center to continue your application.

<p>*Is your business a prohibited business type?</p> <ul> <li>Foreign Individual/entity or Foreign depository relations. <a id="plus1" href="javascript:void();" onclick="$('#option1').show(); $('#plus1').hide(); $('#minus1').show();"><strong><font size="+2">+</font></strong></a> <a style="display:none;" id="minus1" href="javascript:void();" onclick="$('#option1').hide(); $('#plus1').show(); $('#minus1').hide();"><strong><font size="+2">-</font></strong></a></li> <div id="option1" style="display:none;"> <ul> <li>Foreign shell banks (prohibited by Section 313 of the USA PATRIOT Act)</li> <li>Any entity, individual, or country that would violate OFAC sanctions</li> <li>Foreign governmental entities, including embassies, agencies, and branches. </li> <li>Depository relationships with Foreign Correspondent Banks</li> <li>Foreign Private Banking Accounts</li> <li>Foreign Politically Exposes Persons (PEPs)</li> <li>Foreign Non-Bank Financial Institutions</li> </ul> </div> <li>Entity processing high risk transactions (i.e. gambling, third-party, payday lenders) <a id="plus2" href="javascript:void();" onclick="$('#option2').show(); $('#plus2').hide(); $('#minus2').show();"><strong><font size="+2">+</font> </strong></a> <a style="display:none;" id="minus2" href="javascript:void();" onclick="$('#option2').hide(); $('#plus2').show(); $('#minus2').hide();"><strong><font size="+2">-</font></strong></a></li> <div id="option2" style="display:none;"> <ul> <li>Payable through accounts</li> <li>ACH Services for Third Party Senders/Originators</li> <li>Pay Upon Proper Identification Wires (PUPIDs)</li> <li>Internet Gambling Transactions</li> <li>Money Service Businesses (MSBs) and businesses who offer MSB type services</li> <li>Payday lenders and deferred presentment providers.</li> <li>Currency Exchange Houses</li> <li>Virtual Currency related businesses </li> <li>Companies that offer Bearer Shares</li> </ul> </div> <li>Any account set up under a fictitious or designee name </li> <li>Adult Entertainment Establishments</li> <li>Pain Clinics</li> <li>Marijuana Related Businesses (MRB)</li> </ul>

*Is your business a prohibited business type?

Foreign Individual/entity or Foreign depository relations. + -

Entity processing high risk transactions (i.e. gambling, third-party, payday lenders) + -

Any account set up under a fictitious or designee name
Adult Entertainment Establishments
Pain Clinics
Marijuana Related Businesses (MRB)

Yes

First Horizon does not currently service prohibited business types.

<div> <p>*Is your business a restricted business type?</p> <ul> <li>Foreign Business Entities (organized outside the United States)</li> <li>Domestic Business entities with 50% or more foreign ownership</li> <li>Non Resident Aliens in the Southeast Florida and New York Markets</li> <li>Privately Owned ATMs</li> <li>Jewelry, Gemstone, Precious Metal Dealers</li> <li>Pawnbrokers</li> <li>Clients engaged in Casino and Gaming activities</li> <ul> </div>

*Is your business a restricted business type?

Foreign Business Entities (organized outside the United States)
Domestic Business entities with 50% or more foreign ownership
Non Resident Aliens in the Southeast Florida and New York Markets
Privately Owned ATMs
Jewelry, Gemstone, Precious Metal Dealers
Pawnbrokers
Clients engaged in Casino and Gaming activities

Yes

Your application cannot be completed online.

Please visit a First Horizon Banking Center to continue your application.