APY
0.05%
As of Nov 8, 2026. Rates are variable.
First Horizon Bank · Checking account
First Horizon Elite Checking
−$239 a year for an everyday customer. $20 a month. $50 to open.
- A year, everyday customer
- −$239
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · firsthorizon.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · firsthorizon.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · firsthorizon.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#952of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Branch access
- Card lock
- Check writing
- Debit card
- Free checks
- Interest bearing
- Mobile check deposit
- Online opening
- Overdraft protection transfer
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Interest compounds
- Interest is compounded and credited monthly.firsthorizon.com, checked Nov 8, 2026
Fees
- Monthly fee
- $20 a monthfirsthorizon.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $5,000 average daily balance in the Elite Checking account
- $25,000 combined average daily balance in total consumer deposit (checking, savings, money market, CD and IRA) balances
- Minimum to open
- $50firsthorizon.com, checked Nov 8, 2026
- Overdraft fee
- $35firsthorizon.com, checked Nov 8, 2026
- Returned item (NSF) fee
- Nonefirsthorizon.com, checked Nov 8, 2026
- Overdraft transfer fee
- Nonefirsthorizon.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 3firsthorizon.com, checked Nov 8, 2026
- ATM network
- Use any ATM, anywherefirsthorizon.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $3firsthorizon.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $15 a monthfirsthorizon.com, checked Nov 8, 2026
- Cashier’s check
- Nonefirsthorizon.com, checked Nov 8, 2026
- Stop payment
- Nonefirsthorizon.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money