Deal has ended, view more bank account bonuses by clicking here.
Update 9/23/26: Can now fund up to $2,000 for savings & $2,000 for checking. Hat tip to reader wht4e3v3r
Update 8/4/26: Offer is back until 9/25. Anti churn language is now 24 months (was 18). Savings bonus now requires $3,000 (was $5,000).
Update 4/7/26: Bonus is back until 06/30/2026. Seems like KY is no longer eligible as there is no First Horizon banking center location there and terms specify that now. We have updated the fine print and tried to update all of the other terms as this is a popular major bonus. If you see anything that isn’t accurate let us know in the comments below. Another big change is that you can’t have had an account in the last 18 months, savings bonus now requires $5,000 instead of $3,000.
Offer at a glance
- Maximum bonus amount: $700
- Availability: Offer is only available to residents of LA, NY (NYC zips don’t seem to work), SC, TX, TN, AR, MS, AL, GA, KY, FL, NC and parts of VA (Bristol, Gate City, Weber City). Need to live within 50 miles of branch. You must be at least 18 years old and a US citizen to apply online
- Direct deposit required: Yes, $2,000+
- Additional requirements: See below
- Hard/soft pull: Soft pull
- ChexSystems: Unknown, sensitive
- Credit card funding: Increased to $2,000 for checking & $2,000 for savings.
- Monthly fees: None
- Early account termination fee:
Six months, bonus forfeitNone - Household limit: None
- Expiration date:
3/31/2406/30/2026
The Offer
- First Horizon Bank is offering a $450 bonus when you open a new checking account and complete the following requirements:
- Make qualifying direct deposits totaling $2000 within the first 90 days
- Get a $250 bonus when you open a Traditional Savings account with a total deposit of $3,000 or more in new money within 30 days of account opening and maintain that for 90 days
The Fine Print
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$450 Cash Bonus Offer Eligibility Requirements:
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To qualify for the $450 cash bonus, open a new Consumer Checking account between 04/01/2026 and 9PM EST 06/30/2026. Applicant must be a new First Horizon Bank client that has not had a consumer account with First Horizon Bank in the last eighteen (18) months. Applicant must reside within a state where a First Horizon banking center is present. Opening deposit must be new funds from a financial institution other than First Horizon Bank or its affiliates. Make qualifying direct deposits totaling at least $2,000 within ninety (90) days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension, or Social Security. Non-qualifying deposits include person-to-person, bank, or other electronic money transfers (such as Zelle®), such as those made through internet payment services. The checking account must be open for a minimum of 90 days. Bonus will only be paid to open and active accounts with a positive balance. The cash bonus will be deposited into your account within 15 business days after qualifying activities are met. All Checking accounts require a $50 minimum opening deposit.
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$250 Cash Bonus Offer Eligibility Requirements:
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To receive the extra $250 bonus (total amount of bonus equal to $700): Client needs to complete all the above requirements for the checking account and client must: 1) Open a new corresponding Savings Account within the same business day as the checking account above, which is subject to approval. Traditional Savings is a corresponding savings account for the FirstView checking account, Money Market Savings account is a corresponding savings account for the SmartView checking, and TotalView Money Market Savings account is a corresponding savings account for the TotalView checking. 2) Deposit a total of $5,000 or more in new funds into the new savings account within 30 days of the savings account opening; funds need to be deposited directly into the savings account. Funds cannot be deposited into the First Horizon checking account and then transferred into the savings account; AND 3) Maintain a daily collected balance of $5,000 for 90 days from the day of the deposit. The new funds cannot be money held by you at First Horizon or its affiliates. After you have completed all the above Savings requirements, we’ll deposit the extra $250 bonus into your new checking account within 15 business days. Bonus will be paid to open and active checking accounts with a positive balance only. All savings accounts require a $50 minimum opening deposit.
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- Offer is available to individuals only. It is non-transferable and may not be combined with other offers. The primary owner of the checking and corresponding savings account must be the same person, and only this person is eligible for the offer. Offer and account opening subject to bank approval.
- Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. Other terms and conditions of your account are disclosed in your Bank Depositor Agreement. Offer and account opening subject to bank approval.
Avoiding Fees
Monthly Fees
FirstView checking account has no monthly fees to worry about. You do need to opt in to paperless statements otherwise you’ll be charged a $2 monthly fee.
Early Account Termination Fee
Account must be kept open for six months otherwise the bonus will be forfeit This account no longer has any ETF.
Our Verdict
Better than the $400 checking bonus. Based on previous times they have offered this promotion entering your details to be e-mailed a promo code is enough to satisfy the ‘[i]t is non-transferable and may not be combined with other offers’ language. We will add this to our list of the best bank account bonuses.
Hat tip to reader Bockrr
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
Post history:
- Update 4/4/24: Deal is back until April 30, 2024.
- Note: Terms state ‘Offer is only available to the addressee of the offer, is non-transferable, may not be combined with other offers’. But this shows up in a google search and you also have to request a code by filling in your information so should be able to get this bonus even if not targeted but YMMV.
Opened accounts on 5/22/26. Met all requirements, with no bonus. Spoke with CS on 9/7 and she escalated the issue to another department. They reached out via secure message on 9/14 stating I would receive and update within 10-15 business days. Have not received an update so I filed a CFPB complaint this morning.
Not really. The end of day balance would still meet the mark. My DP showed I accidently withdrew $75 and put it back same day. No ramifications. https://www.doctorofcredit.com/tn-ar-ms-al-ga-ky-fl-nc-va-first-horizon-bank-450-checking-bonus-direct-deposit-not-required/#comment-2422891
Push from USAA was coded as CIE (not an eligible direct deposit)
Congrats.
Can I fund this saving account using someone (P2) else Biz Chase Credit card?
I was able to open it online using TX zipcode even when the NY-branch lady told me that they track IP address and will know am applying online from within NY lol PS my DL is TX issued but everything else is NY associated. The online agent told me they run identity check but guess I passed it lol. App did go under manual review on Thurs and got approved like 2 hours later. Tho they said even if you don’t get approved within the promo period, but they counted when you submitted the application so should be fine if you get approved later than the deadline.
Hard to tell, there is a 90 day waiting period before the bonus lands. But I’d bet it won’t count. So I added more money on top of it from a DD source.
The post states it was until 09/25, it was removed
William Charles expired. Page goes to 404
Don’t even try at a branch even if they may allow unless you are okay with a cash advance fee.
Great shot and a great DP. Thanks for sharing.
Same. Applied many times online only to get rejected, but was quickly approved today.
Opened both account, but missed the opportunity for initial funding. There is a limit $500 and $2000 monthly for external transfers. How do you guys fund your Saving account within 30 days? i will use Current for Checking per several comments here. Hopefully that would work!
Insane deal. Been eyeing this one for years but before they only allowed only certain cities in VA but now it looks like they’re allowing anyone in the state to get approved. Applied, instant approval, and funded $4000 using my Cap1 Venture. So I’ve satisfied the requirements of my 75,000 point SUB on the Venture along with the bonuses from these accounts in one fell swoop. Not bad.
DP: Opened checking account online April 15. Funded with Chase Freedom Unlimited ($50). Used actual DD to hit 2k checking target on day 15 (April 30). Paid out July 24, so around day 99. Opened savings account same day, funded $50 also with unlimited, transferred in 5k on May 11, paid out to my checkings account on Aug 12.
Someone in the comments used an Ink Unlimited earlier this month https://www.doctorofcredit.com/tn-ar-ms-al-ga-ky-fl-nc-va-first-horizon-bank-450-checking-bonus-direct-deposit-not-required/#comment-2411778
Hi all! Does Fidelity CMA still work and does anyone knows if send as yourself work too? Thanks!!!
Hi! Quick question – did you transfer Fidelity CMA as someone else or yourself for this to work? Thanks!
My texas address is in the middle of no where and doesn’t work sadly ToT
Hi James! Curious to know how we can know whether a bank that is sensitive won’t require us to unfreeze our Chex when we walk in to apply in person? Do they normally don’t run Chex if we apply in branch? Thank you so much!
Did you have to do Fidelity send as someone else or yourself would also work? Thank you!
It’s in the fine print.
Worth a shot, I suppose. I just plugged in 77001 (Houston) as a test, and it accepted it.
Still no luck for NY folks? That is so sad! Do you know that if I have a Texas ID and address, I could perhaps apply as a Texan?
Curious to know how do you know about the 90 days period?
This is not entirely true, particularly the part about the checking bonus not being paid before the 15 day waiting period, there are many DPs that suggest otherwise. Also, I’m curious to know if the savings bonus is for a COMPLETE 90 days….
Opened checking and savings account on 5/05/26. Put $5k into savings on 6/2. Set up regular DDs. Checking bonus paid 8/7 Savings bonus paid 9/2 Notes for people reading this: you will not get any of the bonuses early. They will be paid out once the promo period has ended. Additionally, unlike some savings bonuses where you have 30 days to deposit and then keep it until the end of the promo period, you must keep the money in the savings account for 90 days. On some bonuses you can deposit the savings account money on day 29 after opening accounts and only have to keep it in for 61 days. For this promo, you have a grace period for depositing, but the funds must remain for 90 days. So waiting a month to fund the savings account only pushes the bonus pay out further.
Opened the checking and savings account on 5/22 – with $50 opening deposit in each. 6/12 funded $6k 7/1 Real DD of $2,400 Neither bonus has been paid. Friday will be the last day of 15 day payout period. We shall see…
I hate this bank. They are chex sensitive and won’t even be honest bout it. wasted my time applying cause they told me they are not.
nvm I found the way. I was answering the question wrongly.