First Horizon Bank provides personal, business, commercial, and wealth-management banking services through branches, digital tools, and phone support. Whether you need to sign in, confirm a routing number, review checking options, find a nearby branch, or report fraud, this guide helps you reach the right First Horizon Bank resource quickly.
Banking details such as routing numbers, wire instructions, account fees, service hours, and available products may change. Verify transaction-sensitive information directly with First Horizon Bank before opening an account, moving money, or sharing personal information.
First Horizon Bank Quick Information
| Need | Information |
| Online banking | Use the official First Horizon Digital Banking login page |
| New digital banking enrollment | Select “Enroll Now” on the official website |
| Routing number | 084000026 – verify for your specific account before use |
| SWIFT/BIC for incoming international wires | FTBMUS44 – confirm before initiating a wire |
| General customer service | 800-382-5465 |
| Lost or stolen card / suspected fraud | 877-242-9895 |
| Branch or ATM | Use the official First Horizon Bank location finder |
| Checking accounts | Review the official personal checking account options |
For safety, type the official bank website into your browser or use the verified mobile app. Do not use a banking login link delivered unexpectedly by text message, email, social media, or a pop-up advertisement.
Start With the Task You Need
Most people searching for First Horizon Bank are trying to complete a specific action. The fastest path depends on what you need.
Access Your Online Banking Account
Use the “Log In” button on the official First Horizon Bank website to access Digital Banking. New users can select “Enroll Now” to set up online access.
Enrollment generally requires:
- A First Horizon debit card or ATM card
- Your account number
- An email address
Once enrolled, customers can use online and mobile banking for account viewing, transfers, bill payment, mobile check deposits, alerts, and other account-management tasks.
If you cannot sign in, use the official password or username recovery process. If your device is lost, stolen, or you believe someone may have accessed your account, contact the bank promptly and consider disabling mobile access through the desktop banking settings.
Confirm a Routing Number Before a Transaction
First Horizon publishes 084000026 as a routing number. However, the routing number connected to your account may differ depending on where and when the account was opened.
Before setting up direct deposit, ACH payments, payroll deposits, tax refunds, or wire transfers, confirm the number using one of these methods:
- Review the bottom-left corner of a physical check.
- Sign in to Digital Banking and review account details.
- Contact First Horizon Bank customer service and ask for confirmation.
Do not rely on an old document, a third-party website, or a routing number copied from another account. One incorrect digit can delay or misdirect a payment.
Receive a Domestic or International Wire
Incoming wire instructions require precise information. The sender typically needs your name exactly as it appears on the account, your account number, and your address.
| Wire type | Banking code | Beneficiary bank | Bank address | Required beneficiary details |
| Domestic wire | ABA/routing number: 084000026 | First Horizon Bank | 165 Madison Ave, Memphis, TN 38103 | Account holder name, account number, and physical address |
| International wire | SWIFT/BIC: FTBMUS44 | First Horizon Bank | 165 Madison Ave, Memphis, TN 38103 | Account holder name, account number, physical address, and any further-credit information |
Wire transfers can be difficult or impossible to reverse once processed. Confirm the routing number, SWIFT/BIC, beneficiary bank, recipient details, and any intermediary-bank instructions directly with First Horizon Bank immediately before the wire is sent.
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Find a Branch or ATM
First Horizon Bank operates primarily across the Southeastern United States. Branch availability, opening hours, appointment policies, drive-through access, and in-person services may differ by location.
Before visiting, use the official location finder to check:
- The address and directions
- Today’s branch and drive-through hours
- ATM availability
- Whether the branch offers the service you need
- Holiday closures or temporary service changes
This is especially important for services such as safe-deposit access, cashier’s checks, loan appointments, account opening, wire assistance, or notary-related requests.
Choosing a First Horizon Bank Checking Account
offers personal checking accounts aimed at different banking habits. Product availability, monthly fees, waiver requirements, debit-card features, overdraft policies, and account-opening rules can change, so review the current official disclosure before applying.
| Account | General Positioning | Who May Consider It | Important Check Before Opening |
| FirstView Checking | Everyday checking | Customers seeking a straightforward account | Confirm current service-fee and minimum-opening terms |
| SmartView Checking | Added account features | Customers maintaining qualifying balances or activity | Review current balance, activity, and fee-waiver requirements |
| TotalView Checking | Relationship banking | Customers using more than one account or service | Confirm relationship requirements and total-balance conditions |
| Access Checking | Simplified, checkless banking | Customers who prefer a basic alternative to traditional checking | Confirm current card, check-writing, and overdraft terms |
When comparing accounts, focus on your actual banking pattern rather than a promotional feature. Consider how often you use ATMs, whether you keep a regular balance, whether you need paper checks, how you receive income, and whether you want to avoid potential monthly service charges.
Contacting First Horizon Bank Customer Service
Use the department that matches your concern instead of starting with a general request when time matters.
| Reason for contact | Phone number | Availability |
| General account and personal banking support | 800-382-5465 | Confirm current hours before calling |
| Lost, stolen, or suspicious card activity | 877-242-9895 | Report urgent issues immediately |
| Small business and commercial banking | 888-382-4968 | Confirm current hours before calling |
If you receive an unexpected request for a one-time code, password, PIN, debit-card number, or online banking credentials, end the conversation. Contact First Horizon Bank using a phone number you found independently through official bank materials.
Personal, Business, and Wealth Services
has different service paths for different customer needs.
- Personal banking includes checking, savings, credit products, mortgages, and everyday account services.
- Small business and commercial banking includes business accounts, treasury management, commercial credit, payment services, and business support.
- Wealth management and private banking may be relevant for customers seeking investment management, planning, estate-related coordination, or a dedicated banking relationship.
Business treasury functions may use separate First Horizon business-banking tools rather than the standard consumer mobile app. If you need payment approvals, recurring wires, commercial ACH services, or account-management permissions, verify the appropriate business platform with the bank.
Using First Horizon Bank Mobile Banking Safely
The mobile banking app helps eligible customers monitor account activity and complete routine tasks from a phone. Depending on account eligibility and available features, this may include mobile check deposits, bill payments, transfers, alerts, card controls, and Zelle payments.
Use these security practices whenever you bank on a mobile device:
- Download the app only from an official app marketplace.
- Keep your phone operating system and banking app updated.
- Use a unique password and enable available account-security options.
- Avoid banking while connected to public Wi-Fi.
- Review account alerts and transactions regularly.
- Lock or report a lost debit card as quickly as possible.
- Never share a verification code with someone who contacts you unexpectedly.
Important Fraud and Security Reminders
Fraudsters often impersonate banks to create urgency. They may claim that your account is locked, a transfer is pending, or suspicious activity requires immediate verification. Their goal is usually to obtain your password, card number, PIN, account number, or a one-time security code.
A legitimate bank representative should not pressure you to share your password or authentication code. If a call, text, or email feels suspicious, do not click a link or reply. Instead, independently contact First Horizon Bank through its official customer-service channel.
Frequently Asked Questions
Is First Horizon Bank FDIC insured?
First Horizon Bank deposit accounts are generally covered by FDIC insurance, subject to applicable ownership categories and coverage limits. The standard FDIC insurance amount is up to $250,000 per depositor, per insured bank, for each ownership category. Deposit insurance coverage can be more complex for joint accounts, trusts, businesses, and retirement accounts, so confirm your coverage if your balances are substantial.
Is First Horizon Bank FDIC insured?
First Horizon Bank deposit accounts are generally covered by FDIC insurance, subject to applicable ownership categories and coverage limits. The standard FDIC insurance amount is up to $250,000 per depositor, per insured bank, for each ownership category. Deposit insurance coverage can be more complex for joint accounts, trusts, businesses, and retirement accounts, so confirm your coverage if your balances are substantial.
Is First Horizon Bank the same as First Tennessee Bank?
First Horizon Bank previously operated under the First Tennessee Bank name. The organization later adopted the First Horizon brand and completed its merger with IberiaBank in 2020. Customers with long-standing accounts may still see First Tennessee references on older records or account materials.
What is the First Horizon Bank routing number?
First Horizon publishes 084000026 as a routing number. However, your account’s routing number can depend on where the account was opened or its legacy banking relationship. Check your printed checks, Digital Banking account information, or contact the bank before using any routing number for an ACH transfer, direct deposit, tax refund, or wire.
What is First Horizon Bank’s SWIFT/BIC code?
First Horizon publishes FTBMUS44 for incoming international wire transfers. International wire instructions can involve additional information, including beneficiary details, intermediary-bank instructions, or transfer references. Confirm every field directly with First Horizon Bank before an international wire is sent.
How do I reset my First Horizon Bank online banking password?
Start from the official First Horizon Bank login page and use the password-recovery option. Do not follow reset links received unexpectedly by email or text. If online recovery does not work, contact customer service through an independently verified bank phone number.
Can I enroll in First Horizon Bank online banking without a debit card?
The bank’s online enrollment process may require a debit or ATM card, account number, and email address. If you do not have the required card or cannot complete enrollment, contact the bank or visit a branch to ask about available enrollment options for your account type.
How do I find First Horizon Bank locations near me?
Use the official First Horizon Bank branch and ATM locator. It provides the most current information about addresses, operating hours, ATMs, directions, and services available at individual locations. Check before traveling, especially around weekends and bank holidays.
Does First Horizon Bank offer checking accounts without a monthly service fee?
First Horizon’s checking lineup can include accounts structured for customers seeking lower-fee or no-monthly-service-charge options. Product terms can change, so check current fee schedules, account disclosures, and balance requirements before opening a First Horizon Bank checking account.
What should I do if my First Horizon Bank debit card is lost or stolen?
Report a lost or stolen card immediately using the dedicated card or fraud-support channel. Review your recent account transactions, follow any instructions to block or replace the card, and change online banking credentials if you believe your account information may have been exposed.
Can I use First Horizon Bank mobile banking for Zelle payments?
Eligible customers may be able to use Zelle through First Horizon Bank Digital Banking or mobile banking. Before sending money, confirm the recipient’s information carefully, because Zelle payments can be difficult to reverse when money is sent to the wrong person.
