I have a Capital Bank or First Tennessee Gift Card. How do I access my web portal?

Current Capital Bank Gift cardholders may access their web portal by clicking here.

Current First Tennessee Gift cardholders may access their web portal by clicking here.

Where can I purchase a First Horizon Bank Visa® Gift Card?

First Horizon Bank Gift Cards can be purchased in any of our branch locations. Cards are not currently available for purchase online.

How many cards can I purchase each day and is there a fee?

In order to protect against potential fraudulent card activity, First Horizon Bank limits the number of cards that can be purchased each day. A maximum of 10 cards per day can be sold to an individual. A $3.00 card activation fee is charged for each gift card sold. The total purchase price of a card is the load amount plus the $3.00 card activation fee.

Is the First Horizon Bank Visa Gift Card a credit card?

No. The First Horizon Bank Visa Gift Card is a prepaid Visa Card that carries a fixed amount as determined at the time of purchase. Each time the gift card is used, the purchase amount is deducted from the available balance.

Do I have to activate my First Horizon Bank Visa Gift Card?

Yes. You must activate and select a Personal Identification Number (PIN) prior to card usage.

Should I register my First Horizon Bank Visa Gift Card?

Yes. Registering your card allows you to easily monitor your available balance and ensures you will be eligible for a replacement card in the event your card is ever lost or stolen.

Do I need a password to register my Card?

Yes. The first time you register your card, you will enter the 3-digit number printed beside the signature panel on the back of your card. This is commonly referred to as the CVV number. After you sign-in the first time with the CVV number as the default password, you will be prompted to choose your own password for future log-in.

Can I add funds to my First Horizon Bank Visa Gift Card?

No. The Card is not reloadable. Once the balance on your card reaches $0, the card can no longer be used.

Can I use my First Horizon Bank Visa Gift Card to make purchases outside of the United States?

No. The Card is for domestic use only. Transactions that originate in a country outside the United States will be declined.

Can I use my First Horizon Bank Visa Gift Card at an ATM?

No. The card does have a PIN number for pinned debit purchases but cannot be used to get cash from an ATM.

Are there usages not allowed on the card?

Your Gift Card cannot be used for illegal and online gambling transactions, cash advances, purchases of money orders or traveler’s checks, or to make regular, pre-authorized payments to a third party. Transactions occuring in or seeiking authorization from a foreign country will be declined.

If I see unauthorized transactions on my card, can I dispute them?

The available balance on the Card is managed like cash. If you see unauthorized charges on your card activity, you should notify us immediately by calling 855-847-2033. If your card was registered, we can block the Card and prevent future transactions from being unauthorized. If there is a balance remaining, we can transfer that balance minus a $5 Card Replacement Fee to a new card that will be mailed to you. If the card was not registered, we will be unable to replace the card.

Where can I use the Card?

The Card can be used everywhere that Visa debit cards are accepted—in retail stores, over the phone and online.

Travel, Entertainment and Leisure?

For certain types of merchants (such as restaurants, salons, hotels or car rental agencies), the authorization request could be 20% higher than the initial purchase amount to allow for tips or additional service charges that are expected to be collected by the merchant. Make sure your balance can accommodate the additional 20%, or your transaction may be declined.

Gas stations?

If you use your card at the fuel pump, the authorization and hold amount could be as much as $75. If you do not have that amount available on your Card, the transaction may be declined. It is recommended that you pay at the counter inside. This will allow the exact amount of your purchase to be deducted from your available balance.

Online purchases?

Be sure to register your card at www.firsthorizon.com/gift before you attempt an online purchase as most online merchants will perform an address check to make sure the address on the card matches the billing address you entered. Merchants may also ask for the 3-digit code which you can find on the back of the Card.

Why was my purchase declined?

The Card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the Card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that use of the First Horizon Bank Visa Gift Card at some merchants - for example, some restaurants, and hotels – requires the Card have an available balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses.

How can I find the balance of the card?

You can review the Card balance and recent transaction activity by registering your card and visiting the First Horizon Bank Gift Card site at www.firsthorizon.com/gift or by calling toll-free 855-847-2033.

Will my Card lose value if I don't use it?

After 12 months of no usage, an Inactivity Fee of $3 will be assessed each month. This fee will be assessed until the balance on the card reaches $0.00. To stop the recurrence of this fee, simply use the card to make a purchase.

What number do I call if I have any problems with the Card?

Please call toll-free 855-847-2033 if you experience problems with the Card. Customer Service Representatives are available 24 hours a day, 7 days a week.

What happens if I don't use all of the funds on the Card before the expiration?

The card will expire at the end of the month printed on the Card. After the expiration date, the card may no longer be used unless replaced. If an available balance remains upon expiration of your card, you may contact us at 855-847-2033 to request a replacement card at no fee.

What do I do when the funds on the Card are depleted?

You may keep the Card as a memento of your gift, or you may destroy the Card once the remaining funds have been used for purchases.

Can items purchased with the Card be returned for credit?

Items purchased with the Card can be returned for credit per store return policy. The return credit may take up to three to seven days to be reflected on the Card. Check your balance regularly to determine when your Card has been credited for the return.

What happens if my Card is lost or stolen?

Immediately report any problems or a lost or stolen Card by calling 855-847-2033. See Cardholder Agreement for details and information about how to submit a claim for unauthorized transactions.

How do I get a Replacement Card?

If you registered your original First Horizon Bank Gift Card, you will be eligible for a replacement in the event your card is lost or stolen. Any available balance will be transferred to the new Card minus a $5.00 Card Replacement Fee that will be deducted from the Card's available balance. A replacement Card can be ordered online by signing in to your Gift Card account at www.firsthorizon.com/gift or by calling us at 855-847-2033. The replacement will be mailed to you at the address registered to your First Horizon Bank Gift Card within 5-7 business days.