First Horizon SmartView Checking Account

A regular checking that pays interest if you meet the minimum balance requirements!

securely on the bank's website

The First Horizon SmartView Checking Account is slightly different from the First Horizon FirstView Checking offer in that the former comes with a few free perks, such as free standard checks, foreign ATM fees reimbursements, and a free Money Market Savings account.

That said, the SmartView Checking is not free, but its $15 monthly fee can be waived in different ways, the easiest one being to keep an average daily balance of $5,000 or more in your account. However, by meeting the monthly fee waiver requirements, you won't only get to enjoy everything the SmartView Checking has to offer, but you will also earn interest on your daily balance! You can save even more money with a First Horizon Money Market account which comes with tiered interest rates, and a $50 minimum opening deposit.

With great digital banking features, you'll be able to bank however and whenever you want, using your online/mobile SmartView Checking account to make digital payments, money transfers, and mobile check deposits. Thanks to an interactive budgeting tools, your financial decisions and plans will be more in line with your spending habits and needs, as you'll get accurate information about your net worth, spending activity, and more.

If you ever need assistance, there's a special team of experts, called Digital Delegates, available to help you personally when you visit one of First Horizon's branches. 

Another advantage of the SmartView Checking is that you'll have free access to over 43,000 ATMs, so you can access your money free of charge across the States. Plus, First Horizon will refund you any foreign ATM fees (although foreign transaction fees, and some other may still apply), meaning you can use your debit card abroad, and avoid many of the fees banks usually charge.

While there are several overdraft protection plans you can choose, all of them require that you have another account with First Horizon, making them less attractive to those who don't want to open an additional account with the bank. The best solution to avoid ever being charged overdraft fees is to make sure you've got enough money in your SmartView Checking, and don't spend what you don't have.

The First Horizon SmartView Checking is, overall, a decent checking account, especially if you plan on using your debit card abroad, write checks a lot, and are interested in opening a money market account with First Horizon. This checking account has all you need for basic banking, but it doesn't offer any cashback or other kind of rewards. If you're looking for more, then, you should consider some other checking account.

Checking account details

Checking account fees

  • Monthly Fee
    $15 (can be waived)
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

First Horizon SmartView Checking Account FAQ

1. What do I need to open a First Horizon SmartView Checking?

To open a First Horizon SmartView Checking, you need to prepare your:

  • ID, such as a driver's license,
  • Social Security Number and date of birth,
  • Contact information (address, phone number, email),
  • Payment information for the opening deposit.
2. How do I make my opening deposit?

At the time of opening a First Horizon SmartView Checking, you'll need to fund your account by making a $50 opening deposit. You can transfer funds from:

  • an existing First Horizon deposit account, using your First Horizon bank account number,
  • an external bank account, using your account and routing numbers from that account,
  • a debit or credit card account, using your card number, expiration date, CVV number, and billing address.
3. Can minors open a First Horizon SmartView Checking online?

No, online applicants must be at least 18 years old. If you'd like to open a SmartView Checking with a minor, you need to visit your local First Horizon branch.

4. What consumer deposit accounts are eligible for the monthly fee waiver requirements?

You can have the monthly fee on the First Horizon SmartView Checking waived if you keep an average daily balance of $25,000 in consumer deposit accounts, including checking, savings, CDs, and IRAs.

5. What other benefits do I get when I meet the monthly fee waiver requirements?

If you meet the requirements to have the monthly fee for the First Horizon SmartView Checking waived, you'll receive additional benefits, including premium interest rates on your checking account balance. Premium interest in calculated on the average daily collected balance for a given statement cycle.

But, the longer you stay with First Horizon, the higher interest rate you'll get. You'll earn "tenure" interest, which is calculated on the first $25,000 in your average daily collected balance, although the bank didn't specify how much that would be.

6. What can Digital Delegates do for me?

If you'd like to use digital banking but aren't quite familiar with how it works, First Horizon's Digital Delegates are there to help you with all those technical things you might be having issues with. You'll find Digital Delegates in many of First Horizon's branches, and these experts can help you manage digital payment options, learn how to check your balance, find statements, add accounts, transfer money, and complete many other banking tasks.

7. What is First Horizon's Quick Glance?

As a mobile banking feature, Quick Glance allows you to keep an eye on your balance and recent transactions without logging in to your First Horizon SmartView Checking account. Once you've enabled the function, you'll be able to check your balance and up to 10 most recent transactions by simply clicking the Quick Glance option at the bottom right of the login screen. Quick Glance is not just a convenient way to monitor your balance, and track spending, but it's also helpful in terms of security, because you can act immediately if you notice any suspicious activities.

8. What other features and services are available in First Horizon Digital Banking?

First Horizon Digital Banking is designed in order to offer First Horizon customers a simple banking solution that's not only easy to use, but also safe, and secure. With First Horizon's digital banking features and services, you'll be able to manage your SmartView Checking account conveniently, whether you access it at home or while on the go.

Using First Horizon Online and Mobile Banking gives you more control over your money as it provides you with 24/7 access to your checking account. If you have more First Horizon consumer accounts, you can pool them all together, which enables you to manage them in one place.

Naturally, First Horizon digital banking comes with several money transfer options, including Zelle, for quick and easy money transfers within the U.S. Additionally, First Horizon's gives you the option to set up automatic or recurring payments, which is quite useful for bill payments, subscriptions, and alike. You can also manage how your First Horizon debit card is used, and freeze it temporarily if you suspect something fishy going on. With account balance and activity alerts, you'll be able to bank safely and confidently, knowing you'd get notified for activities you've chosen, which gives you more control and protection.

Plus, there's a great budgeting tool allowing you to create a budget and set savings goals!

9. How does First Horizon's budgeting and savings tool work?

First Horizon's budgeting and savings tool is available in Online and Mobile Banking, and you can use it for free. It allows you to track and analyze spending in various spending categories you can have set up either automatically or by yourself. You'll be able to keep track of your purchasing habits, create a budget, as well as savings goals. With customizable graphics and reports, you'll see your progress, and be able to make additional changes, if necessary to stay on top of your budget.

Check Out Other Products From First Horizon Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
First Horizon FirstView Checking Account $0 $50 0.00%
First Horizon SmartView Checking Account $15 (can be waived) $50 n/a
First Horizon TotalView Checking Account $40 (can be waived) $50 variable
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