First Horizon Bank Routing Number
Written by
Rudri Patel
Edited by
Melanie Grafil
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
If you’re a First Horizon Bank customer, you likely know your account number, but may be unfamiliar with your routing number. A routing number is crucial to conducting day-to-day transactions like authorizing bill pay, ordering checks, setting up direct deposits, and initiating your tax refund. You can also use your routing number to send and receive wire and ACH transfers.
Check out this guide on First Horizon Bank’s routing number and how it comes in handy with a variety of transactions.
What Is a Routing Number?
A routing number, also called an American Bankers Association number, is a unique nine-digit code that is assigned to banks and credit unions for processing smoother transactions. The routing number allows credit unions and banks to process digital transactions, including check processing, bill pay, ACH and wire transfers, and direct deposits.
Some banks have multiple routing numbers because of their size. Routing numbers may differ from region-to-region or state-to-state. Typically you will be assigned a routing number based on where you opened your bank account. Always verify your routing number before conducting a transaction.
What Is the First Horizon Bank Routing Number?
The main routing number for First Horizon Bank is 084000026. Sometimes routing numbers may vary, so double check the routing number with customer service or your local First Horizon Bank.
What’s the Difference Between Your Account and Routing Number?
Your checking account number is a unique set of digits used to identify your bank account. The bank uses this number for deposits, withdrawals and payments. It is typically found directly after your routing number at the bottom of your checks.
Your routing number identifies your financial institution. It is typically nine digits. This number usually appears before your checking account number.
How To Find Your First Horizon Bank Routing Number
Your First Horizon Bank routing number is easily accessible, and you can find it through the following ways:
Checks
The first nine digits at the bottom of your check is your routing number. The second set of digits is your personal checking account number.
Federal Reserve Website
The Federal Reserve website allows you to look up any bank’s routing number. You can access the Federal Reserve’s site to access your First Horizon Bank routing number.
Mobile App
You can log on to your mobile app and easily find your First Horizon Bank routing number as well as other helpful information for daily transactions.
Online Banking
Logging in to your online bank portal to access your First Horizon Bank account will help you access your routing and bank account number.
Customer Service
To find out your routing number and ask about other relevant account information, you can call First Horizon Bank’s customer service number at 1-800-382-5465.
When Do You Need To Provide Your First Horizon Bank Routing Number?
There are a variety of ways your First Horizon Bank routing number can be useful. Here are at least five ways:
- Receiving direct deposits from your employer into your checking or savings account
- Authorizing bill pay or automatic transfers for services or goods
- Ordering checks from a third-party vendor
- Sending large amounts of money via a wire to another individual or entity
- Processing a tax refund or payment to the Internal Revenue Service
What Is the Bank Identification Code for First Horizon Bank?
A bank identifier code, or BIC code, is an eight-character code issued by the Society for Worldwide Interbank Financial Telecommunications and used to identify banks. First Horizon Bank’s BIC code is FTBMUS44. Typically, you would use a routing number for domestic transactions and the BIC code–also called a SWIFT code–for international transactions. If you’re unsure which to use for a specific transaction, you can contact a representative at the bank for advice.
How To Set Up Direct Deposit at First Horizon Bank
Direct deposit is a convenient option for receiving paychecks and regular benefits because it eliminates the need to cash or deposit a paper check. Here’s how to set up direct deposit at First Horizon:
- Find out if your employer offers the service. Some employers still use paper checks to pay employees.
- Give your employer the First Horizon routing number and your checking or savings account number.
- Complete any forms your employer requires to set up the transfers.
You also can receive some benefits through direct deposit. If you want to receive your Social Security benefits through direct deposit, visit a financial center to pick up a sign-up form.
What Are the Differences Between ACH and Wire Transfers?
An ACH and wire transfer are both ways to send large amounts of cash to individuals or an entity. First Horizon Bank uses the same routing number for wire and ACH transfers.
A wire transfer typically is a quicker way to transfer funds to a financial institution. Typically the wire transfer will be processed and the funds will be delivered the same day or within the next business day. The bank will typically charge a fee for the wire transfer.
An ACH transfer works similarly to writing a check, but funds are transferred electronically. Usually these transfers take more time, but there isn’t an additional fee to authorize this transaction. Direct deposits and bill pay are usually handled through an ACH transfer.
How To Send a Wire Transfer with First Horizon Bank
To send a wire transfer, you need to visit a First Horizon branch during regular business hours. Bring the following information with you to initiate the transfer:
- Receiver’s full legal name
- Receiver’s mailing address
- Receiver’s bank name
- Receiver’s bank routing number and account number for domestic wire transfers
- Receiver’s bank BIC code and account number for international wire transfers
To receive a wire transfer, give your contact information and banking details to the person sending you money. They will share this with their bank to initiate the transfer. Wire transfers usually settle the same day, but can take up to two days to complete.
Can You Use Your First Horizon Bank Routing Number for International Transfers?
You typically cannot use your First Horizon Bank Routing number alone for international transfers. Most international transfers require a SWIFT code or additional codes to process sending money to destinations outside the United States. The SWIFT code is typically an 8 to 11 character code that consists of the following identifying information — bank, country, location and branch code.
First Horizon Bank’s SWIFT code is FTBMUS44XXX.
What Mistakes Should You Avoid When Dealing with Routing Numbers?
Entering the wrong routing number could delay important transactions for days or even weeks. Here are a few things to keep in mind when dealing with routing numbers:
- Make sure you do not transpose the numbers when using your routing number to conduct a transaction. Check and double check the number to ensure accuracy.
- Do not mix up your checking account and routing number. Remember, the first nine digits on your check are always the routing number.
- Sometimes an international transfer requires additional numbers in addition to your routing number. Call First Horizon Bank to find out if you need more information before authorizing an international transaction.
Final Take
At some point you will need your First Horizon Bank routing number, whether it’s for ordering checks, arranging for bill pay, setting up direct deposits, or authorizing a domestic wire transfer. The easiest way to find the number is to look at your checks. This is typically the first nine digits, and your personal checking account number usually follows. If you plan to transfer money internationally, you may need to provide a routing number and a SWIFT code.
When transactions call for a routing number, be careful you’re sending the correct number. You might experience significant delays if the number is incorrect. Be sure you’re using the correct First Horizon Bank routing number to ensure your transaction is processed quickly and correctly.
FAQ
- Does First Horizon have more than one routing number?
- Yes, First Horizon has more than one routing number. For example, branches in southwest Florida have the routing numbers 067009280 and 067014343, according to the American Bankers Association's database. Branches in Memphis have different routing numbers, including 084000026 and 061300367. If you're not sure which routing number to use, First Horizon recommends using the bank's primary routing number.
- How many branches does First Horizon have?
- First Horizon is a large bank with more than 400 branches around the country and more than $80 billion in assets. The full-service bank offers products for personal and commercial customers, including checking and savings accounts, certificates of deposit, loans and credit cards.
- Are First Horizon Bank and First Tennessee Bank the same?
- In 2019, First Tennessee Bank officially changed its name to First Horizon when the bank rebranded itself as a state-chartered financial institution. First Tennessee joined the First Horizon National Corporation 15 years earlier. Other banks that have merged with First Horizon include Capital, IberiaBank and select Truist branches.
Allison Hache contributed to the reporting for this article.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
