The SmartView Checking account is a premium checking option offered by First Horizon Bank, tailored to provide enhanced benefits and features for clients who maintain higher balances or have broader banking needs.
Interest-bearing account with competitive rates
No monthly service charge with qualifying activities
Access to digital and mobile banking for convenient account management
Optional overdraft protection services available
Free standard debit card
No ATM fees when you stay in network at more than 600 ATMs across the Southeastern United States
50 minimum opening deposit
Social Security number
Date of birth
Personal identification such as a driver’s license, passport, state or government-issued ID
You can avoid the monthly service charge by making one direct deposit or bill payment per statement cycle, and one of the following:*
$25,000 combined average daily balance in your First Horizon consumer checking, savings, money market, CDs and IRAs
$5,000 average daily balance in your First Horizon SmartView Checking account
$2,500 in First Horizon credit card purchases3
Yes, $50 is the minimum amount to open this account.
Additional benefits include:
Reward Interest on SmartView Checking account balances4
Reward Tenure Interest on first $25,000 in SmartView Checking account balances5
Overdraft protection options may include linking your checking account to a First Horizon checking, savings, money market, or home equity line of credit. Contact a banker for more information on available options and eligibility requirements.
Yes, you can open a SmartView Checking account online here. Alternatively, you can visit one of our banking centers to apply in person.
You can order checks for your SmartView Checking account through our digital and mobile banking platforms, by visiting ordermychecks.com, or by visiting one of our banking centers.
No, there is no limit on the number of transactions on this account.
1 Mobile data and messaging carrier rates may apply.
2 Consumer deposits include checking, savings, money market, CD and IRA balances.
3 Transactions must post during the SmartView Checking account's statement cycle to be considered eligible.
4 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. All interest earned will be reported on IRS Form 1099-INT and recipient is responsible for any applicable taxes.
5 Reward Tenure Interest is paid on the first $25,000 in collected balances at the end of the your statement cycle based on the oldest deposit relationship with the Bank. Reward Tenure Interest rates are set at the Bank's discretion and are subject to change without notice. All interest earned will be reported on IRS Form 1099-INT and recipient is responsible for any applicable taxes.
1 A $2 monthly fee applies to paper statements. A $3 monthly fee applies to paper statements that include front and back images of checks.
2 $15 monthly service charge 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 deposit (checking, savings, money market, CD and IRA) balances.
$5,000 average daily balance in your SmartView Checking account.
$2,500 in First Horizon credit card purchase transactions. Transactions must post during the SmartView Checking account's statement cycle to be considered eligible.
3 $25 monthly service charge can be refunded when you maintain a combined average daily balance of $500,000 in total consumer deposit balances (checking, savings, money market, CD, and IRA) balances, investment accounts with First Horizon Advisors^ and outstanding home equity and mortgage loan balances held in First Horizon’s portfolio or maintaining a $15,000 combined average daily balance across all consumer checking accounts and make one direct deposit or bill pay per statement monthly and one of the following:
$100,000 combined average daily balance in total consumer deposit balances (checking, savings, money market, CD and IRA) balances, investment accounts with First Horizon Advisors^ and outstanding home equity and mortgage loan balances held in First Horizon’s portfolio.
$5,000 monthly First Horizon debit card and/or credit card purchase transactions. Transactions must post during the TotalView Checking account's statement cycle to be considered eligible.
4 $No fee for front-only check images. A $1 monthly fee applies to paper statements that include front and back images of checks.
5 $Reward Interest rates/Reward Tenured Interest rates are set at the Bank's discretion and are subject to change without notice. All interest earned will be reported on IRS Form 1099-INT and recipient is responsible for any applicable taxes.
^ Provided by First Horizon Advisors through LPL Financial.
“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.
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Banking products and services provided by First Horizon Bank. Member FDIC. Equal Housing Lender. NMLS #472329.
Financial planning and trust services, including investment management services, provided by First Horizon Bank. First Horizon Wealth Management is the marketing name for wealth-related services available to First Horizon clients.
