First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpful, knowledgeable people. From your first checking account to the loan you need to build a home or business, they are committed to helping you at every stage of your financial life.
With a... show more
First Horizon Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/28/2026.
2.1
188 reviews
from WalletHub and across the web
188 reviews from WalletHub and across the web
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First Horizon Bank
rameyonem8 @rameyonem8
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1 Star Rating
had a home equity loan, and in February I went to the bank smyrna location to pay off the full amount because I was not receiving any bills at my address. I met with the branch manager, who told me the total amount due, and I paid it with a cashier’s check.
Later, I was surprised to receive several calls from the bank asking about an additional remaining balance on the loan.
I went back to the same branch to ask what happened. They told me that they made a mistake and gave me the wrong payoff amount. Because of that, a remaining balance was left, and they added late fees and interest to it.
I explained that this was not my fault and asked them to fix the issue, but they did not take it seriously and showed no concern. It felt like they did not care, even though the mistake was made by the branch manager.
This situation shows poor management and weak customer service, which are reasons why many banks fail.
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Product: First Horizon Bank Credit Cards
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First Horizon Bank
Watkins_cw73 @Watkins_cw73
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3 Star Rating
I've been with this bank faithfully for over ten years, and they will not give you a loan for a car or anything else without a good credit score.
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First Horizon Bank
Dee Falcon @sirod1014
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1 Star Rating
The Worst Bank! On Monday, I saw their $450 promotion for new checking accounts, and I decided to open a new checking/savings account online with $50 which they withdrew immediately from my other account. I uploaded my driver's license, the only document they required. The next day, I received an email asking for a utility bill, which I don't have as I'm 63 and live with my daughter. She owns the house, and everything is in her name. I then called and spoke to the rudest, unprofessional, and inefficient staff in the Sales Department. Given the way I was being treated, I decided to cancel my application because I didn't want to do business with such an unprofessional bank. I asked them to refund my $50 immediately, as it took them seconds to withdraw my money before they even approved my application. They all said it would take 2 to 3 days. It's been 5 days, and I still haven't received my $50, which is wrong and unacceptable! It's a poor way to do business. It is wrong to do that to anyone who believes in what you were advertising! After reading their bad reviews, now I'm glad I didn't open an account or transfer my large direct deposit. I called their corporate office in Memphis, and while holding, their recording advertised that "You can open an account online in less than 10 minutes," which is a total lie! They never disclosed online the numerous requirements before they take your money. It's a lame excuse to just keep your money. Do not trust this bank, please. You'll probably never get the $450 they're promoting for new checking accounts.
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First Horizon Bank
kara carter @karacarter62
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1 Star Rating
Kara Carter
I am writing this review because I want to warn everyone who is even slightly considering opening an account at FHB. Don't do it! My bank card was due to expire in October 2025. Sometime around September 1, 2025, someone working for FHB expired my bank card before I had the chance to call or receive a new bank card. I live in Maryland, and my original branch is in Tennessee, and I live on a Social Security income. So, when my Social Security check is deposited into my bank account, I pay all my bills right away, with due dates around the same time. Because someone expired my bank card without me receiving a new one, my bills are late, and I have no access to any funds for cash, gas, food, or other necessities of life. The only thing the bank associates can do is say, "I am very sorry you are going through this." They can say that until they are blue in the face, and it does not fix the unfortunate situation of me not being able to access my account for my money. As soon as I know my Social Security is being deposited into a reputable bank, I will be closing this account at this bank. I had to give the rating of 1 star to be able to submit this review, but FHB doesn't even deserve that. Today is September 7, and I was told it will be 7 to 10 more business days for a new card, then the PIN comes separately, so I still can't access cash. Majorly irritated.
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First Horizon Bank
James @jmv5945
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1 Star Rating
Verified Customer
The credit card was paid off with a debt management company and, even years later, they are claiming that I still owe a debt that was paid as agreed. I sent all the relevant paperwork, but the company is still showing up on my credit report.
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First Horizon Bank
dee pea @vvoollmmaann
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1 Star Rating
I went in there to possibly renew my CD and talk about a new car loan, but no. When I last talked to the representative six months ago, my CD was to be renewed at the market rate at the time, but it was a renewal rate of 0.001%. Basically, they were giving you about 50 cents per thousand for six months, which is not what was discussed. The branch manager happened to come by the desk and was totally dismissive of the situation and ignored my concerns. This was at 4990 Poplar Ave, Memphis, TN. Needless to say, I never talked about a new car loan. Go elsewhere.
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First Horizon Bank
Becky Ray @bsr_3798
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1 Star Rating
I went to FHB to do a wire transfer. I provided all the necessary information. However, the man refused to proceed because he couldn't find the company on the internet. I explained that I had dealt with this company before, but I eventually left. Fast forward to today, I attempted to withdraw money from my account, and the bank manager wouldn't approve it. I asserted that it was my money. She suggested that I was being scammed. I assured her that I wasn't being scammed, explaining that purchasing Bitcoin doesn't automatically indicate a scam. As soon as my bills are paid, I plan to close the account. I firmly believe in my right to control my own finances. I have been a loyal customer of the bank through all its name changes since 1992. As a note, I don't use a credit card; this is just a regular checking account.
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First Horizon Bank
Michele Miller @gumbeauxlina
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1 Star Rating
The employees don't know anything. They are not trained. They cannot assist you. They are not professional. You are a huge inconvenience to them. This made me select credit cards, but I don't have one for FH. Branch employees are ineffective and telephone tech support is inadequate. Enough said.
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First Horizon Bank
Jacqueline Yon @noyproperties
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1 Star Rating
Gregory Caesar works at First Horizon Bank at North Gate Mall in Durham, NC. He misled my father about the amount of funds in his account, claiming the check was NSF. So I went to the bank, and it turned out to be untrue. Just as the teller began to cash the check, he intervened and refused to serve me because I told the teller I was going to report the staff at the bank. I expressed my frustrations to him very directly. I did call corporate, and I am waiting on a callback; this individual closed my dad's account. I will not rest until this situation is resolved. I believe in karma.
First Horizon Bank needs to improve its hiring practices to ensure more qualified individuals are employed; diversity, equity, and inclusion seem to be areas where improvement is needed. It's important to verify the qualifications of the staff. Don't take my word for it; go check out the bank's reviews.
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Product: First Horizon Bank Credit Cards
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Michele Miller @gumbeauxlina
They hire bottom of the barrel do nothings. I’m in south Louisiana. I could not link my First Horizon app to Credit Karma savings. You need to enter in the amounts of 2 micro deposits FH makes to your CK account. The employee helping me randomly entered $1 and $2. He couldn’t comprehend that you needed to enter in the CORRECT amounts. I had to go back after doing what their tech support suggested over the phone. Today the woman flat out told me they don’t deal with CK and I should contact them. She refused to try to help. After calling CK , they are now sending me a check which I will use to open an account at a REAL bank. Once it’s established, I’m closing out the account at FH. They took over Iberia bank here locally. Iberia was fantastic!!!! FH BLOWS.
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First Horizon Bank
GC PS @HopeThisHelps
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1 Star Rating
Awful customer service. Representatives are rude, condescending, and incompetent. There is no ability to make payments more than once in 30 days, which can cause you to be late. There is no option to make online payments. There are no rewards. You may be better off applying for almost any other card. They sent a postcard in the mail with an offer to open a bank account. With credit card service like this, why would I risk opening a bank account for more terrible service? It would be a waste of resources.
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First Horizon Bank
Alycia Nunley @alyN24
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1 Star Rating
Usually, I have no problem here, and the lady who is usually there is very nice and accommodating. However, today I went to deposit my work check, as I do every other Friday. Sometimes I get some back in cash and deposit the rest because I need to pay a bill. It’s never been a problem before, but today a man told me that he couldn't do that. Why can't I get my own money? It's never been a problem before! I had a bill due today, so I'm very upset. It felt like I was being judged, as if my check was bad or something, even though I come in every other Friday at the same time, like clockwork.
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First Horizon Bank
kdulgar6 @kdulgar6
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1 Star Rating
So I have thought about this all day and have decided to write this review because I do not like the way I was treated today. I deposited money into my account on a Saturday and was told that I could come back that Monday and withdraw the money. When I got to the bank, they took my information. The teller then came back to the window and proceeded to ask me where my money came from and how I got the amount that was in my account, and that she couldn't give me my money. I do not feel that I should have had to explain to her where my money came from and the amount that was in my account. After telling her, she thought I was lying about where MY money came from. I will close this account as soon as I'm able to get my money out. I do not recommend this bank to anyone. I should have never been asked those questions, and I definitely should not have been questioned on whether what I said was the truth or not. It was the truth, and that was her personal opinion and very unprofessional. This is all concerning my checking account, and I had to give 1 star to submit but it definitely deserves 0 stars.
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Product: First Horizon Bank Credit Cards
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Michele Miller @gumbeauxlina
Closing mine this week! I’ll open one at a REAL bank. FH is a sad joke.
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First Horizon Bank
Dennis Weaver @rdplastics
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1 Star Rating
Latest computer update is not user-friendly. If you pay online, you cannot edit any of your payees. No change to address, account number, company name, or address change is allowed. You must delete the payee and re-enter. Great! All your pay history is gone forever. Tech Service cannot explain why some payments were reversed but re-entered at a later date. The teller attempted to reverse late charges and fees but instead debited the credit card, resulting in double charges!
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First Horizon Bank
Chip Phoenix @chipspectacular
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2 Star Rating
First Horizon Bank is a terrible bank, whether it's for checking accounts or credit cards. Stay away! Money is missing from my checking account right now, and every time I call the customer service line, I get disconnected or given the runaround. I do not have money to waste. Please avoid FHB.
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First Horizon Bank
Colby McDowell @colby9118
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5 Star Rating
I would recommend this bank. Very friendly service and the tellers even call you by name. Excellent customer service all the way. 5 stars.
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First Horizon Bank Q&A(25 questions)
Get answers to your questions about First Horizon Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Keep in mind there's a $50 minimum opening deposit and a $9 monthly fee. However, you can avoid the fee by maintaining a $5,000 minimum balance or having a qualifying checking account.
It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the First Horizon Bank website.
You can check the best money market accounts available for you to make sure that whatever decision you go for really fits your goals.
First Horizon Bank could be a good fit for you, if you prefer in-person banking and you live in the regions they serve as they operate in 11 states across the Southern U.S.
They offer a wide range of products: checking and savings accounts, CDs, loans, mortgages, and investment services, so you can potentially manage all your finances in one place.
However, customer reviews are mixed. They have expressed dissatisfaction with fees, particularly ATM fees...
A First Horizon Bank check deposit typically posts to your account on the same day if deposited before 9 PM ET on a business day. However, mobile deposits may be subject to an automatic hold of up to two (2) business days for the funds deposited.
For the most up-to-date information please refer to First Horizon Bank's website or contact customer service.
You can check the best checking accounts available for you to make sure that whatever...
At First Horizon Bank direct deposits typically become available in your account by your scheduled payday, if received on a business day. This means you should see the funds in your account on the day your deposit is scheduled.
However, it's always a good idea to check with First Horizon Bank directly or refer to your account agreement for more specific information.
If you have a specific direct deposit that you're tracking, you might consider...
The cost of First Horizon Bank checks varies depending on the style and quantity you select. For more details, you can contact the bank at 800-382-5465.
No, First Horizon Bank hasn't publicly disclosed any information about changing the material of its debit cards. The bank currently issues standard plastic debit cards, and customers can choose from several premium designs, available for $8, that feature local sports teams, landmarks, and hobby‑themed artwork.
For more information, visit the First Horizon Bank website or contact their customer service team at (800) 382-5465.
You can earn the First Horizon Bank FirstView Checking account sign-up bonus by opening a new First Horizon Bank FirstView Checking account, funding it with new funds, and posting $2,000 in qualifying direct deposits within 90 days.
Requirements to Qualify for the Sign-Up Bonus
Eligibility: You must be new to First Horizon consumer checking (no consumer checking in the past 12 months) and must reside within 50 miles of a First Horizon banking center.
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