1 The monthly service charge is refunded within three (3) business days if the primary account owner is 18-24 years old or younger. Eligibility is subject to the age of majority for your state of residence.
2 The monthly service charge is waived with one of the following during the statement cycle: $500 in Direct Deposits OR $1,500 average daily balance in the Advantage Checking account.
3 The monthly service charge is waived with one of the following during the statement cycle: $5,000 average daily balance in the Elite Checking account OR $25,000 combined average daily balance in total consumer deposit (checking, savings, money market, CD and IRA) balances.
4 No fee for using non-First Horizon ATMs. However, owners of those ATMs (or their networks) may charge a fee.
5 $3 fee per account transaction or balance inquiry at non-First Horizon ATMs. A $2 fee applies for each use of QuickStatements® (which shows your last 10 transactions and available balance). ATM owners (or their networks) may also charge their own fee.
6 $3 fee per withdrawal at non-First Horizon ATMs. ATM owners (or their networks) may also charge a fee. Up to $15 in ATM and surcharge fees will be refunded to your account per statement cycle.
7 Link your checking account to a First Horizon consumer checking, savings, money market or line of credit. Overdraft protection transactions are subject to the terms of your Overdraft Services Agreement and Depositor Agreement with First Horizon Bank. To link an account for overdraft protection, see a banking center associate or call us toll-free at 800-382-5465.
8 We pay overdraft transactions at our discretion, and we reserve the right not to pay. A charge of $35 is assessed, up to three (3) charges per day, for each overdraft created by check, in-person withdrawal, recurring debit, 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 overdraft fee on debit card transactions when your account has sufficient funds available at authorization, even though you no longer have funds available when the transaction posts. There is no charge for items that we return due to insufficient funds. If you overdraw your account by $5 or less on any one day, there will be no overdraft charge.
9 Mobile data and messaging carrier rates may apply.
10 Checks cannot be ordered through First Horizon Bank for Essential Checking accounts. If checks are ordered through a third party, any checks presented for payment on an Essential Checking account will be returned unpaid. If you convert from a First Horizon account with check writing ability to an Essential Checking account, any outstanding checks presented on or after the conversion date will also be returned unpaid. The payee may assess additional fees for returned checks. Ensure all outstanding checks have cleared or that alternative arrangements have been made with payees before converting to an Essential Checking account.
+ Elite checking earns 0.05% APY. Annual Percentage Yield effective 9/28/2026. APY is variable and subject to change. Fees may reduce earnings.
* For more information, please refer to the Account and Service Fees web page, Essential Checking Account Service Fee Guide or the Depositor Agreement and Disclosure Statement.
** Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. First Horizon checking account customers are eligible for the Greenlight SELECT plan at no cost when they connect their First Horizon account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 06/15/2029. Offer subject to change and partner participation.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
