First Horizon BankReviews of firsthorizon.com

Over the past (40) years I've lived all over the country and dealt with numerous banks, large and small. I have never before experienced the incompetence, lack of customer service, rudeness and deliberate misinformation as I've repeatedly encountered at First Horizon Bank, Berclair Branch. Escalation of any issues at the Branch level is impossible, because the Branch Manager is the worst offender. I've also tried to escalate these complaints to FHB Customer Solutions Group; left several voice messages, but received no response. If you're looking for a bank with competent employees, who understand what real service means, and treat you like a valued customer, this is NOT the bank for you. I strongly recommend you look elsewhere. Two personal experiences. ANNUITY An employee identified as an "annuities expert" tried to sell me an annuity that I didn't even qualify for. When I asked questions about the ROI for the 3-year annuity, they didn't know how to calculate ROI, I'm not sure they knew what ROI means. In a very demeaning tone, they replied that I didn't understand, I was just confused, they would draw me a picture. I replied that I didn't need a picture just answers. I later found out that my financial info had been sent to an annuity servicing company, without my knowledge or permission. INTEREST RATES To maintain interest rates on my money market account, I had to call the branch at predefined intervals (30/60/90 days), and request the rate be adjusted. If I didn't initiate that call, the interest rate automatically dropped to the base savings rate. Which, in retrospect, and based on my own experiences listed below, resembles a scam or at least a deliberate deception. Over the last 12+ months, I've made that call multiple times as directed with the following results: > Employees confirmed the rate updates, but the actual updates were never applied. > When I questioned why the updates weren't applied, I was repeatedly told, “You never called. You never spoke to anyone. Your accounts were never touched. So the interest rate was dropped automatically.” > I have detailed notes of dates, names, AND the new interest rate and expiration date for each call (that never occurred). When I tried to escalate to the Branch Manager, I pointed out the only way I could know the new rate and expiration date was if I'd talked to someone at the Branch. That fact was deliberately ignored and the refrain was repeated, “You never called, never spoke to anyone . . .” I'm still not sure whether this was incompetence or a deliberate deception. > It became very clear that this behavior would continue and why not? Inability to escalate meant there were no consequences to the Branch, only to the customer, which obviously was not a concern. When the manager stated that she had never talked to me before about these problems; I replied that I had proof of the conversations because I was now recording my calls to the Branch for obvious reasons. I tried to point out that since Tennessee is a one-party consent state, it is legal to record your own calls WITHOUT the other person's knowledge or permission. In addition, my phone plays a message to all parties that the call is being recorded. She became irate and defensive, and insisted she knew that recording was not allowed. Skipping over numerous details, I have to believe I'm not the only customer who has been treated this way. The behavior is much too blatant to be a “one customer thing”. As a lowly customer, I can't fix the significant problems at FHB Berclair Branch and FHB in-house escalation has been impossible. However I can certainly provide reviews of their behavior that has affected me personally. And now I have the recordings to prove it, regardless of misinformation coming from the Branch.

Went to ATM on Cedar Bluff Rd Knox Tn new atm do not like its like it set up for cars I drive a pickup trk shield over 123 numbers could not see shield has them covered up window to get money to low

Update still haven't got my welcome bonus . Supposed to recieve last month on the 18th

I opened a First View checking account at the Mount Juliet, Tennessee branch on May 13, 2026. The bank offered a $450 bonus if I made direct deposits in the amount of $2000 within the first 90 days. The bank also offered another bonus in the amount of $250 for opening a corresponding savings account in the amount of $5000 or more. I met these requirements to receive a total of $700. However, as of October 5, 2026 I have not received the bonuses. I have contacted the bank several times and have spoken to at least 3 different employees. They keep telling me the bank is investigating my dispute but I am frustrated with them at this point. I want to point out that my wife opened the same checking and savings account at the same time that I did. She received her bonus money on August 12, 2026 without a problem. For some reason First Horizon Bank hos not honored their duty to pay the advertised bonus to me. Thank you for your attention to this matter. I look forward to hearing from you as soon as possible.

I can't say whether First Horizon is bad or not, however, when they merged with Iberiabank, they told Iberiabank credit card holders, nothing would change. Things were okay at first, because we still used the Iberiabank portal to get our statements and pay the credit card electronically through that portal. Fast forward about 2 years, First Horizon force credit card holders over to their website, and the only "electronic banking" access credit card only holders had, was to get their CC statements. We lost the ability to pay the credit card electronically via our external bank account. First Horizon's answer to this was to tell us, just use us for your banking. That might work if I lived in Tennessee, but I don't and there are no First Horizon branches anywhere where I live. The merger has been completed for at least 6 years now in 2026, and FH still doesn't offer a way for non-bank account holders to pay their credit cards electronically via their website. Heck, my credit union can't even do an ACH transfer with them, they have to mail a physical check to Memphis, TN, and FH admits the mail service in Memphis is grossly delayed. Meantime, the check that my bank mailed 15 days ago, still hasn't posted to my CC account because FH claims they don't have it yet. It's gotten so bad, I'm seriously considering shutting down my CC account with them and not use them again. I've been complaining about the lack of an online bill pay option for credit card only holders for at least 6 years and I get the same answer too, "we're working on it".

Dear First Horizon Bank Management, I am writing to complain about my experience at your West Plano branch, located at 2500 Dallas Parkway, Plano, Texas, when I visited to open a new account. At the front desk, I was told that opening an account would take more than an hour and that walk-ins were not encouraged. I was instructed to make an appointment instead. While I understand that appointments may be preferred, the employee’s dismissive tone and attitude made me feel unwelcome and as though my business was not valued. Rather than helping me schedule an appointment or explaining alternative options, I felt I was simply turned away. Please clarify whether First Horizon has an official policy discouraging walk-in customers who wish to open accounts. If so, this information should be clearly communicated in advance. I also request that management investigate this incident, review the employee’s conduct, and reinforce the importance of treating prospective customers courteously and professionally. I came to the branch prepared to become a customer but left feeling dismissed. Please provide a written response explaining how this matter will be addressed.

first horizon ft Myers is horrible of daniels my appt was for 11am got there 10:45 for a simple roll over didnt leave until 1am. They had to call another branch to figure it out NO STARS WILL CLOSE MY 2 CD at maturity

This bank does NOT care about customers, nor does it seem to know how to run a business. They appear to thrive by simply taking advantage of honest mistakes of consumers to save a buck, and this is guaranteed to lose them both their reputation and customer business. This is a bank that conducts its business like they want to go bankrupt.