[LA, NY, SC, TX, TN, AR, MS, AL, GA, FL, NC & VA] First Horizon Bank $450 Checking + $250 Bonus

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 forfeit None
• Household limit: None
• Expiration date: 3/31/24 06/30/2026

The Offer

Direct link to 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

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:

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.