First Horizon Essential Checking

−$60 a year for an everyday customer. $5 a month. $25 to open.

Checked Nov 8, 2026Updated Oct 22, 2026

A year, everyday customer: −$60
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.
Open on firsthorizon.com Report a problem
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.
Open on firsthorizon.com Report a problem

Against the market

How it ranks

#735of 1043 checking accounts, by a year’s value for an everyday customer

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

Monthly fee: $5 a monthfirsthorizon.com, checked Nov 8, 2026
Ways to avoid the monthly fee: The monthly service charge is refunded within three (3) business days if the primary account owner is 18-24 years old.firsthorizon.com, checked Nov 8, 2026
Minimum to open: $25firsthorizon.com, checked Nov 8, 2026
Overdraft fee: $35firsthorizon.com, checked Nov 8, 2026
Returned item (NSF) fee: Nonefirsthorizon.com, checked Nov 8, 2026
Most overdraft fees in a day: 3firsthorizon.com, checked Nov 8, 2026
Fee for each withdrawal over the limit: $2firsthorizon.com, checked Nov 8, 2026
ATM network: First Horizon ATMs; non-First Horizon ATM owners or networks may charge a feefirsthorizon.com, checked Nov 8, 2026
Out-of-network ATM fee: Nonefirsthorizon.com, checked Nov 8, 2026
International ATM fee: Nonefirsthorizon.com, checked Nov 8, 2026
Paper statements: $2 a monthfirsthorizon.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 · Not stated: 2 items counted at typical fees

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