First Horizon Bank is offering eligible customers Up to $3,000 for opening and using qualifying deposit accounts. The current offer must be opened by October 30, 2026. Here is how the promotion works and the important restrictions to review before applying.
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First Horizon Bank Bonus Overview
Maximum bonus: Up to $3,000
Application deadline: October 30, 2026
Availability: Available through a First Horizon Private Client Relationship Manager in AL, AR, FL, GA, LA, MS, NC, NY, SC, TN, TX, and VA; online account opening is not available.
How to Earn the Bonus
Trending Checking Account Deal:
- Meet with a Private Client Relationship Manager and open a new Private Client Reserve Checking account.
- Within 45 days, deposit at least $100,000 in qualifying new money into Private Client Reserve Checking and/or Private Client Money Market Savings.
- Maintain the qualifying combined end-of-day balance for 90 consecutive days after the funding window: $100,000 for $1,000; $250,000 for $2,000; or $500,000 for $3,000.
- Enroll in direct deposit within 90 days and receive at least two qualifying ACH direct deposits during the 90-day maintenance period.
Who Is Eligible?
New private clients only, generally with no First Horizon personal deposit account during the previous 18 months. Private Client status requires a combination of $1 million in income and investable assets plus qualifying First Horizon deposit or advisory balances. Limit one bonus per client and household.
Monthly Fees and Minimum Deposits
Private banking account fees and minimums apply. Confirm the current Private Client Reserve Checking disclosure with the relationship manager before opening.
When Is the Bonus Paid?
The bonus is deposited within 10 business days after the maintenance period if the account remains open and in good standing. Promotional bonuses may be taxable and could be reported on an IRS information return. Keep the account open and in good standing until the payment arrives.
How to Apply
Review the bank’s official offer and disclosures before applying. Start through the official First Horizon Bank promotion page so the promotion is attached correctly. Save the offer page, application confirmation, promo code, and records of qualifying activity.
The Bottom Line
First Horizon Bank’s Up to $3,000 offer can be worthwhile for applicants who are eligible and can complete every requirement without paying avoidable fees. Pay special attention to the application deadline, new-customer definition, qualifying-deposit rules, maintenance period, and payout timing.
Sources
Offer details verified September 10, 2026. Terms can change or be withdrawn without notice. Confirm the bank’s current disclosures before applying.
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