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Enjoy a $450 cash bonus

Up to $700* is a pretty good way to say “welcome.”

Open a First Horizon checking account and a corresponding savings account today and we'll put real money back in your pocket, just for getting started with us.

Open an account

It only takes a few minutes. And we’ll be with you every step of the way.

To receive your unique promotional code for this offer, simply fill out the required fields and click submit. After submission, you will see a confirmation page with details.
We appreciate your interest in a checking account.
Open an account with the code below and start working toward your $700 cash bonus.*
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Here’s how it works.

Get $450

When you open a First Horizon checking account with direct deposits totaling $2,000 or more within 90 days from the account opening. When applying, you’ll get an opportunity to open a corresponding savings account to take advantage of the full benefits of this offer.

Two steps, two accounts.

Then, Get $250

When you open a corresponding savings account with a total deposit of $5,000 or more in new money within 30 days of account opening and maintain that for 90 days.

Find the option that best suits you.

FirstView Checking Account1

Life's complicated. Banking shouldn't be. Simplify and save, and start planning for your future today.

  • Free standard Visa debit card.
  • Free digital and mobile banking.2
  • $0 monthly service charge with eStatement enrollment.3
  • Free access to a network of over 600 ATMs across the Southeast.6

Open an Account

Traditional Savings Account4

Elevate your everyday finances with an account where you can do more and get more.

  • Interest is compounded daily and posted quarterly.
  • FDIC insured up to $250,000.5
  • Quarterly service charge is refunded when linked to a FirstView checking account or if you meet the $250 minimum daily balance requirement, otherwise $5 quarterly service charge is applied.7

Open an Account

SmartView Checking Account8

Elevate your everyday finances with an account where you can do more and get more.

  • Interest on SmartView Checking balances.9
  • Foreign ATM and surcharge fee refunds.6
  • Monthly service charge of $15 can be refunded when you make one direct deposit or bill pay per statement cycle and one of the following:
    • $25,000 combined average daily balance in total consumer deposits.12
    • $5,000 average daily balance in your SmartView Checking account.
    • $2,500 in First Horizon credit card purchases.10

Open an Account

Money Market Savings Account4

Money Market Savings account is a corresponding savings account for the SmartView Checking.

  • Service charge refunded when linked to a SmartView Checking account or if the total combined balance in First Horizon Bank accounts is at least $5,000. Otherwise, a $9 monthly service charge will be assessed.
  • Tiered interest at money market rates based on your daily balance.
  • Interest is compounded and credited monthly.
  • FDIC insured up to $250,000.5

Open an Account

TotalView Checking Account11

It’s got everything and then some:

  • Non-First Horizon ATM and surcharge fee refunds.6
  • Up to $25 in wire fee refunds per statement cycle
  • Monthly service charge of $25 refunded when:
    • You maintain a combined average daily balance of $500,000 in total consumer deposits12 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 deposits12, investment accounts with First Horizon Advisors,13 and outstanding home equity and mortgage loan balances held in First Horizon’s portfolio14
      • $5,000 monthly debit card and/or credit card purchase transactions15
  • When your TotalView Checking account qualifies for a monthly service charge refund, you will also enjoy additional Reward Interest on your TotalView Money Market account.16

Open an Account

TotalView Money Market Savings Account4

TotalView Money Market Savings account is a corresponding savings account for the TotalView Checking.

  • Total View Money Market savings account is only available for TotalView Checking account holders and has no monthly service charge.
  • Tiered interest at money market rates based on your daily balance.
  • Interest is compounded and credited monthly.
  • FDIC insured up to $250,000.5

Open an Account

Prefer to talk to a real person? We’d love that.

Stop by a banking center and we’ll help you open a checking account today.

Find a banking center

Banking you can trust. Built to last.

With over 160 years under our belt, we’ve got big bank stability to keep your money safe. And it comes with the personal touch of a small bank that’s hard to find these days.

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ABOUT FIRST HORIZON

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Click here to save a PDF version or print these terms.

*$450 Cash Bonus Offer Eligibility Requirements:

To qualify for the $450 cash bonus, open a new Consumer Checking account between 04/01/2026 and 9PM EST 06/30/2026. Applicant must be a new First Horizon Bank client that has not had a consumer account with First Horizon Bank in the last eighteen (18) months. Applicant must reside within a state where a First Horizon banking center is present. Opening deposit must be new funds from a financial institution other than First Horizon Bank or its affiliates. Make qualifying direct deposits totaling at least $2,000 within ninety (90) days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension, or Social Security. Non-qualifying deposits include person-to-person, bank, or other electronic money transfers (such as Zelle®), such as those made through internet payment services. The checking account must be open for a minimum of 90 days. Bonus will only be paid to open and active accounts with a positive balance. The cash bonus will be deposited into your account within 15 business days after qualifying activities are met. All Checking accounts require a $50 minimum opening deposit.

$250 Cash Bonus Offer Eligibility Requirements:

To receive the extra $250 bonus (total amount of bonus equal to $700): Client needs to complete all the above requirements for the checking account and client must: 1) Open a new corresponding Savings Account within the same business day as the checking account above, which is subject to approval. Traditional Savings is a corresponding savings account for the FirstView checking account, Money Market Savings account is a corresponding savings account for the SmartView checking, and TotalView Money Market Savings account is a corresponding savings account for the TotalView checking. 2) Deposit a total of $5,000 or more in new funds into the new savings account within 30 days of the savings account opening; funds need to be deposited directly into the savings account. Funds cannot be deposited into the First Horizon checking account and then transferred into the savings account; AND 3) Maintain a daily collected balance of $5,000 for 90 days from the day of the deposit. The new funds cannot be money held by you at First Horizon or its affiliates. After you have completed all the above Savings requirements, we'll deposit the extra $250 bonus into your new checking account within 15 business days. Bonus will be paid to open and active checking accounts with a positive balance only. All savings accounts require a $50 minimum opening deposit.

Offer is available to individuals only. It is non-transferable and may not be combined with other offers. The primary owner of the checking and corresponding savings account must be the same person, and only this person is eligible for the offer. Offer and account opening subject to bank approval.

Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. Other terms and conditions of your account are disclosed in your Bank Depositor Agreement. Offer and account opening subject to bank approval.

1 For more information, please refer to the Account and Service Fees web page, the FirstView Checking Account Service Fee Guide, or the Depositor Agreement and Disclosure Statement.

2 Mobile data and messaging carrier rates may apply.

3 A $2 monthly fee applies to paper statements. A $3 monthly fee applies to paper statements that include front and back images of checks.

4 For additional information on service fees that may apply to this account, please visit our Account and Service Fee Summary page. For additional information, please refer to the Depositor Agreement and Disclosure Statement.

5 $250,000 FDIC coverage refers to the total of all deposits that an account owner has at each FDIC-insured bank in different ownership categories. Balances are considered together for purposes of FDIC insurance.

6 Free when used in over 500 First Horizon ATMs. Additional fees will apply for non-First Horizon ATM usage and international use and may vary. Full information can be found on the Account and Service Fee Summary page

7 The quarterly service charge is refunded within 3 business days when linked to a FirstView Checking account. If not linked, or if the FirstView checking account is closed, a $5 quarterly service charge applies if the daily balance falls below $250. An Excessive Withdrawal Charge of $2 is imposed for each withdrawal exceeding 6 per quarter.

8 For more information, please refer to the Account and Service Fees web page, the SmartView Checking Account Service Fee Guide, or the Depositor Agreement and Disclosure Statement.

9 Account pays a variable (can change at any time), tiered (may vary by balance level), base interest rate, calculated on the average daily collected balance over the statement cycle.

10 Transactions must post during the checking account’s statement cycle to be considered eligible.

11 For more information, please refer to the Account and Service Fees web page, the TotalView Checking Account Service Fee Guide, or the Depositor Agreement and Disclosure Statement.

12 Consumer deposits include checking, savings, money market, CD and IRA balances.

13 Provided by First Horizon Advisors^ through LPL Financial.

First Horizon Wealth Management is the marketing name for wealth-related services available to First Horizon clients. Trust services, including investment management services, provided by First Horizon Bank.

^“First Horizon Advisors” is a brand name used by certain employees of First Horizon Bank who provide securities, advisory, financial planning, and insurance products and services offered through LPL Financial (LPL) and/or its licensed affiliates. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Horizon Bank and First Horizon Advisors are not registered as broker-dealers or investment advisors. Registered representatives of LPL offer products and services using First Horizon Advisors and may also be employees of First Horizon Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Horizon Bank or First Horizon Advisors. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency   Not Bank Guaranteed  Not Bank Deposits or Obligations  May Lose Value 

First Horizon Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

14 Loans sold or transferred by First Horizon will not be eligible to satisfy the refund requirement.

15 Transactions must post during the TotalView Checking account's statement cycle to be considered eligible.

16 Reward Interest is paid at the end of your statement cycle based on your average collected balance. Reward Interest rates are set at the Bank’s discretion and are subject to change without notice. Reward Interest will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes.

Banking products and services provided by First Horizon Bank. Member FDIC. Equal Housing Lender. 

NMLS # 472329.

First Horizon Bank.