Why choose this checking account?

Whether you're opening your first account, managing household expenses, or running personal finances between paychecks, the First Horizon checking account is built for clarity and convenience. Enjoy easy account management, broad access to ATMs and branches, and features that help reduce fees and simplify everyday transactions. This account is ideal for customers who want dependable service, modern digital banking, and straightforward terms.

Core features

• Everyday banking access: Use your debit card for purchases, ATM withdrawals, and contactless payments. Receive a personalized checks option for those who still prefer paper transactions.
• Digital banking suite: Full access to mobile and online banking with bill pay, mobile check deposit, account alerts, and real-time transaction monitoring.
• Flexible deposit options: Direct deposit, mobile deposit, ATM deposit, and in-branch services make it simple to fund and manage your account.
• Safety and security: Fraud monitoring, multi-factor authentication for digital services, and FDIC insurance coverage on eligible deposits help protect your funds and identity.
• Overdraft options: Multiple overdraft solutions available, including alerts and optional protection programs, to help you avoid unexpected declines or excessive fees.
• Branch and ATM network: Access to an extensive regional branch and ATM network for in-person support and surcharge-free ATM options where available.

Benefits that make a difference

This checking account is crafted to reduce friction in everyday money management:

• Transparent pricing: Clear fee disclosures and tools to help you avoid maintenance and transaction fees whenever possible.
• Personalized banking: Options to tailor account features and alerts so your checking experience aligns with your preferences and spending habits.
• Convenient bill pay: Schedule one-time or recurring payments, track payment history, and get reminders to stay current on bills.
• Cash management tools: Link savings or other accounts to streamline transfers and build emergency balances automatically.
• Reward opportunities: Periodic promotions, relationship pricing, or bundled account benefits may be available to customers who maintain qualifying balances or combine services.

Fees and limits — straightforward and fair

The checking account is structured to be simple and predictable. While there may be standard fees for certain services (e.g., stop payments, wire transfers, excessive withdrawals at ATMs outside the network), the account includes tools and options designed to help you minimize those costs. Fees, minimum balance requirements, and transaction limits vary by account tier and region — ask a representative for the most up-to-date schedule and any available fee waivers.

How to open an account

Opening your checking account is efficient and accessible. You can start online, via the mobile app, or at a local branch. Typical requirements include proof of identity, contact information, and an initial deposit amount when applicable. Many customers opt for direct deposit setup during account opening to receive payroll, government, or other electronic deposits faster.

1. Choose the account tier that suits your needs.
2. Provide necessary identification and personal information.
3. Make an initial deposit if required or link an external account for a transfer.
4. Set up digital banking, mobile alerts, and direct deposit to get the most from your account from day one.

Digital banking and mobile experience

Manage your money on your schedule with a secure, user-friendly mobile app and online portal. Features include:

• Mobile check deposit — snap a photo and deposit checks from anywhere.
• Instant account alerts — receive notifications for low balances, large transactions, and deposit confirmations.
• Card controls — lock or unlock your debit card, set spending limits, and specify where cards can be used.
• Bill pay and person-to-person payments — schedule, send, and track payments with ease.

Security and trust

First Horizon National Corporation emphasizes protecting customer assets and privacy. Your deposits may be eligible for FDIC insurance subject to coverage limits. Additional safeguards include monitoring for suspicious activity, encryption of online sessions, secure login protocols, and educational resources to help you recognize and avoid fraud.

Customer support

Dedicated customer service is available through multiple channels — phone, secure messaging through the online platform, and branch visits. Whether you need help managing account settings, disputing a transaction, or exploring additional financial products, knowledgeable representatives can guide you to the right solution.

Frequently asked questions

Can I get a debit card immediately?

Debit cards are typically issued when the account is opened. In many cases, a temporary card or expedited replacement options are available if needed.

How quickly will deposits post?

Posting times depend on the deposit method. Direct deposits and electronic transfers often post the same business day, while mobile check deposits may have a clearing period. Check the disclosure for specific funds availability policies.

Are there overdraft protections?

Yes — optional overdraft protection services can link a savings account or line of credit to help cover transactions and reduce declines or fees. Enrollment and terms apply.