Do you know that First Horizon Bank operates with different business hours depending on the branch? This implies that the hours of operation at one location may differ from another. It is crucial to be informed about these hours to effectively handle your banking requirements.
Whether you need to visit a branch, contact customer service, or use an ATM, knowing the First Horizon Bank hours can save you time and frustration. In this article, we will provide you with a comprehensive guide to the different hours of operation at First Horizon Bank, as well as other important information related to banking time.
Key Takeaways:
- First Horizon Bank has varying business hours depending on the branch.
- The specific hours for each branch can be found using the branch locator tool on the First Horizon Bank website.
- Customer service is available Monday through Friday from 7:00 a.m. to 10:00 p.m. Eastern time and on Saturdays from 8:00 a.m. to 5:00 p.m. Eastern time.
- ATM deposits and withdrawals receive same-day processing if completed by 8:00 p.m. CST from Monday to Friday.
- First Horizon Bank follows a specific order for processing transactions, with credits posted in descending dollar amount and debits processed last.
Finding a First Horizon Bank Location Near You
To find a First Horizon Bank location near you, visit their website and use the branch locator tool. This tool will provide you with the addresses and contact information for all First Horizon Bank branches in your area. By using this tool, you can easily find a branch that is convenient for you and check its specific hours of operation.
Whether you’re looking to open an account, speak with a representative, or access banking services, the First Horizon Bank branch locator is a valuable tool that helps you find the nearest branch quickly and efficiently. Simply enter your location details, such as city, state, or ZIP code, and the branch locator will generate a list of nearby branches along with their address, phone number, and hours of operation.
This branch locator tool is particularly useful for individuals who prefer face-to-face interactions or need assistance with specific banking matters that require in-person support. By finding a branch near you, you can save time and effort by visiting a location that is convenient for your needs.
Whether you’re a new customer or an existing one, the First Horizon Bank branch locator ensures that you can easily access the services and assistance you need. Take advantage of this convenient tool to find a First Horizon Bank branch near you today!
First Horizon Bank Customer Service Hours
If you have any questions or need assistance with your First Horizon Bank account, their dedicated customer service team is available to help you during convenient hours throughout the week. Whether you have inquiries about your balance, transactions, or any other banking-related matters, you can count on their knowledgeable representatives to provide prompt and reliable assistance.
First Horizon Bank’s customer service hours are as follows:
| Day | Hours (Eastern Time) |
|---|---|
| Monday to Friday | 7:00 a.m. – 10:00 p.m. |
| Saturday | 8:00 a.m. – 5:00 p.m. |
During these hours, you can reach the First Horizon Bank customer service team by calling their dedicated phone number: 800-382-5465.
Whether you have questions about your account, need help with online banking, or require support with any other banking-related matter, their experienced customer service representatives are ready to assist you.
Being able to contact First Horizon Bank’s customer service team during extended hours ensures that you can easily reach out for assistance when it’s most convenient for you. Whether you’re an early bird who prefers to handle banking matters in the morning or someone who prefers to get things done after work, their customer service hours cater to a variety of schedules.
Rest assured that when you call First Horizon Bank’s customer service, you’ll be greeted by friendly and professional representatives who are dedicated to providing top-notch assistance. They are well-equipped to address your queries and offer solutions to any issues you may encounter, ensuring a smooth and satisfactory banking experience.
Why Contact First Horizon Bank Customer Service?
There are several reasons why you might need to contact First Horizon Bank’s customer service team. Some common scenarios where reaching out to customer service can be beneficial include:
- Checking your balance or recent transactions
- Reporting a lost or stolen card
- Inquiring about specific account features or products
- Resolving billing and payment issues
- Getting assistance with online banking or mobile app
By contacting First Horizon Bank’s customer service, you can have peace of mind knowing that help is just a phone call away. Their knowledgeable representatives are committed to providing excellent service and addressing your concerns promptly and efficiently.
Processing Time for ATM Deposits and Withdrawals
When it comes to ATM transactions at First Horizon Bank, knowing the processing time is essential. Understanding how quickly your deposits and withdrawals will be processed can help you effectively manage your finances.
ATM deposits and withdrawals at First Horizon Bank are processed with same-day processing if the transaction is completed by 8:00 p.m. CST from Monday to Friday. This means that if you make a deposit or withdrawal within this timeframe, the funds will be available in your account on the same day.
However, it’s important to note that transactions completed on Saturdays, Sundays, or bank holidays will be processed on the following business day. This means that if you make a deposit or withdrawal outside of regular business hours, you may need to wait an extra day for the transaction to be processed.
To ensure that your ATM transactions are processed promptly, it’s crucial to complete them before the designated cutoff time for same-day processing. This will help you avoid any unnecessary delays in accessing your funds.
The Importance of Timely ATM Transactions
Timely ATM transactions are essential for managing your finances effectively. Whether you’re depositing funds into your account or withdrawing cash, knowing the processing time can help you plan and budget accordingly.
By understanding the processing time for ATM deposits and withdrawals at First Horizon Bank, you can ensure that your funds are available when you need them. Whether you’re depositing a check or accessing cash for daily expenses, knowing how quickly these transactions will be processed can provide peace of mind and help you stay on top of your finances.
Processing Time for ATM Deposits and Withdrawals
| Transaction Type | Processing Time |
|---|---|
| ATM Deposits | Same-day processing if completed by 8:00 p.m. CST from Monday to Friday |
| ATM Withdrawals | Same-day processing if completed by 8:00 p.m. CST from Monday to Friday |
| Transactions completed on Saturdays, Sundays, or bank holidays | Processed on the following business day |
Understanding the processing time for ATM deposits and withdrawals at First Horizon Bank allows you to effectively plan your financial transactions. By completing your ATM transactions on time, you can ensure that your funds are available when you need them most.
To view a visual representation of the processing time for ATM deposits and withdrawals at First Horizon Bank, refer to the table below:
Processing Time for ATM Deposits and Withdrawals
Transaction Processing Order at First Horizon Bank
When it comes to processing transactions, First Horizon Bank follows a specific order to ensure smooth and efficient banking operations. Understanding this order can help you better manage your finances and anticipate how transactions will be processed.
Credits:
Credits, such as deposits, are posted in descending dollar amount. This means that larger deposits will be processed before smaller ones, ensuring that funds are added to your account in an organized manner.
Bank-Initiated Debits:
Next in the processing order are bank-initiated debits. These include transactions like automatic bill payments or fees charged by the bank. These debits are processed according to the time stamp, ensuring accuracy and efficient handling of outgoing payments.
Non-Returnable Debits (Time Stamp Order):
Non-returnable debits, such as debit card purchases or checks cleared by First Horizon Bank, are processed in time stamp order. This means that transactions are handled based on the time of their initiation, ensuring a fair and consistent processing order.
Non-Returnable Debits (No Time Stamp):
After non-returnable debits in time stamp order, non-returnable debits without a time stamp are processed. These transactions fall into a separate category and are processed accordingly.
Returnable Debits:
Returnable debits, such as ACH debits or payments that can be reversed, are processed after all other debits. This ensures a proper handling of transactions that may require additional verification or potential reversals.
Post-System Generated Transactions:
Lastly, post-system generated transactions like service charges, fees, or any other automated transactions are processed. These transactions are typically generated by the bank’s systems and are handled after all other transaction types.
This processing order at First Horizon Bank helps maintain transparency and consistency in managing customer transactions. By following this order, the bank ensures that each transaction is processed accurately and efficiently, providing a reliable banking experience for its customers.
| Transaction Category | Processing Order |
|---|---|
| Credits (Deposits) | Descending dollar amount |
| Bank-Initiated Debits | Time stamp order |
| Non-Returnable Debits (Time Stamp Order) | Time stamp order |
| Non-Returnable Debits (No Time Stamp) | Separate processing category |
| Returnable Debits | Last processing category |
| Post-System Generated Transactions | Last processing category |
Signature Debit Card Transaction Processing Time
When it comes to signature debit card transactions at First Horizon Bank, it’s important to be aware of the processing time involved. In some cases, it can take up to 3 days for these transactions to be presented to the bank from the retailer. This means that there may be a delay in the processing and posting of these transactions to your account.
It’s crucial to keep this in mind when reviewing your balance and tracking your transactions. While some debit card transactions are processed and posted to your account almost instantly, signature debit card transactions may require a bit more time.
During this processing period, it’s advisable to regularly monitor your account to ensure that the transactions are accurately reflected. Having a clear understanding of the expected transaction processing time can help you manage your finances more effectively and avoid any potential confusion or discrepancies.
If you have any concerns or questions about the processing time for your signature debit card transactions, it’s always a good idea to reach out to First Horizon Bank’s customer service team. They will be able to provide you with any additional information or assistance you may need.
Example Signature Debit Card Transaction Processing Time:
| Retailer | Transaction Date | Processing Time |
|---|---|---|
| ABC Store | July 15, 2022 | 2 days |
| XYZ Supermarket | July 16, 2022 | 3 days |
| 123 Pharmacy | July 18, 2022 | 1 day |
As you can see from this example table, the processing time for signature debit card transactions can vary depending on the retailer. It’s important to factor in this additional time when considering your available balance and tracking your expenses.
Overdraft Protection and Fees at First Horizon Bank
First Horizon Bank understands the importance of providing overdraft protection options to its customers. These options can help you avoid the inconvenience and potential fees associated with overdrawing your account. In addition, the bank has specific fees associated with overdrafts, which are important to be aware of to manage your finances effectively.
Overdraft Protection Options
First Horizon Bank offers several overdraft protection products to suit your needs. These options are designed to provide you with peace of mind and financial flexibility. With First Horizon Bank overdraft protection, you can:
- Link your checking account to a savings account or line of credit to cover any overdrafts.
- Opt for an overdraft protection transfer, where funds are automatically transferred from another First Horizon Bank account to cover the overdraft.
Having an overdraft protection plan in place can give you the confidence to make essential purchases without worrying about overdrawing your account.
Overdraft Fees
While First Horizon Bank offers overdraft protection options, it’s crucial to understand the associated fees if you do end up overdrawing your account. Here are the details:
| Overdraft Type | Fee |
|---|---|
| Overdrafts created by checks, in-person withdrawals, recurring debit card payments, or other electronic means | $35 per overdraft |
| Overdrawn by $5 or less on any one day | No overdraft charge |
It’s important to be mindful of these fees and to manage your account responsibly to avoid unnecessary charges. By monitoring your account balance regularly and utilizing the bank’s overdraft protection options, you can ensure your finances are in good standing.
ATM Usage Fees and Checkout Fees
First Horizon Bank understands the importance of convenience when it comes to accessing your funds. However, it’s essential to be aware of the fees associated with certain transactions to make informed decisions.
When using an ATM outside of the First Horizon Bank network, a fee of $3 will be charged. It’s crucial to note that this fee is separate from any charges imposed by the owner of the ATM.
Additionally, it’s worth mentioning that merchants have the option to charge checkout fees for credit card payments. However, these fees are not permitted for debit or prepaid cards. It’s always a good idea to check with merchants beforehand to inquire about any potential checkout fees you may incur before making a payment.
Remember, staying informed about ATM usage fees and checkout fees can help you manage your finances effectively and minimize any unexpected charges.
| Fee Type | Fee Amount |
|---|---|
| ATM Usage Fee (outside of First Horizon Bank network) | $3 |
| Checkout Fee (for debit or prepaid cards) | Not permitted |
| Checkout Fee (for credit card payments) | Merchant-dependent |
Direct Deposits and Social Security Payments at First Horizon Bank
Setting up direct deposit with First Horizon Bank is a simple process that ensures your funds are conveniently and securely deposited into your account. Whether you’re receiving your paycheck or Social Security payments, direct deposit offers a hassle-free way to manage your finances. Here’s how to get started:
Direct Deposit with First Horizon Bank
- Contact your employer’s human resources or payroll department and provide them with First Horizon Bank’s routing and transit number, as well as your account number. This information can be found on your checks or by logging into your First Horizon Bank online banking account.
- Inform your employer about your preference for direct deposit and provide them with the necessary information to initiate the process.
- Once set up, your direct deposit will typically be available on the prior business day before your payday. This means you can access your funds on the morning of your payday, making it convenient and timely.
If you have any questions or need assistance with setting up direct deposit, First Horizon Bank’s dedicated customer service team is available to help.
Social Security Payments
If you receive Social Security payments, First Horizon Bank makes it easy to set up direct deposit. Visit any of their financial centers where Social Security direct deposit sign-up forms are available. Simply fill out the required information and submit the form to get started. Once your direct deposit is set up, you will enjoy the same benefits of timely and convenient fund access as mentioned above.
Why Choose Direct Deposit?
“Direct deposit offers numerous advantages for individuals and businesses alike. It eliminates the need for paper checks, reduces the risk of lost or stolen payments, and ensures prompt access to funds. By opting for direct deposit, you can streamline your finances, save time, and have peace of mind knowing that your funds will be safely deposited into your First Horizon Bank account.”
Direct deposit at First Horizon Bank is a reliable and efficient way to receive your income or Social Security payments. It eliminates the hassle of physical checks, provides timely access to funds, and offers the peace of mind that comes with secure electronic transactions. Take advantage of this convenient banking feature and experience the benefits today.
Conclusion
In conclusion, First Horizon Bank offers a wide range of banking services with varying hours of operation depending on the branch. To ensure you visit the bank at the most convenient time, it is essential to check the specific hours for the nearest location using the branch locator tool available on their website.
Customer service at First Horizon Bank is accessible throughout the week and on Saturdays, providing assistance and support for all your banking needs. However, please note that the bank is closed on Sundays, so plan your visits accordingly.
With same-day processing for ATM deposits and withdrawals, First Horizon Bank prioritizes efficiency, ensuring that your transactions are promptly recorded. Remember to complete your ATM transactions before the designated cutoff time for same-day processing.
Overall, First Horizon Bank aims to provide convenient banking options for its customers, with accessible customer service, flexible branch hours, and efficient transaction processing. Whether you need assistance, want to make a deposit or withdrawal, or seek information about your account, First Horizon Bank is committed to delivering quality service to meet your banking needs.
FAQ
What are the hours of operation for First Horizon Bank?
How can I find a First Horizon Bank location near me?
What are the customer service hours for First Horizon Bank?
How long does it take for ATM deposits and withdrawals to be processed at First Horizon Bank?
What is the transaction processing order at First Horizon Bank?
How long does it take for signature debit card transactions to be processed at First Horizon Bank?
What are the overdraft protection options and fees at First Horizon Bank?
Are there any fees for using ATMs outside of First Horizon Bank’s network?
How can I set up direct deposit with First Horizon Bank?
Jules brings a wealth of knowledge and an extraordinary flair for writing to our team. As our Expert Writer, Jules has a knack for breaking down complex information into easy-to-understand content that resonates with our audience. Whether detailing the nuances of different business hours or sharing tips on how to make the most of your time, Jules’ contributions are invaluable. Her work ensures that our users receive data and insights that enhance their daily lives.
