The First Horizon TotalView Checking Account is a premium checking account that comes with all the standard First Horizon checking account benefits, such as free digital banking, access to AllPoint ATMs, as well as budgeting tools, and technical assistance. However, the TotalView also offers higher daily debit card limits, free standard and cashier's check, and a greater discount on other check styles. TotalView accountholders will also have all out-of-network ATM surcharge fees reimbursed by First Horizon, although international ATM usage fees may still apply.
Since the monthly fee waiver requirements are slightly more complex than on the First Horizon SmartView Checking, the TotalView Checking is more suitable for you if you have more than one consumer deposit account with First Horizon. Not only will you then be able to meet the requirements to avoid the monthly fee more easily, but you will also enjoy premium interest rates on their TotalView Money Market Savings account, assuming you're interested in opening one - free of charge! Of course, the TotalView Checking also pays interest, which is tiered and variable, depending on the amount of money you keep in your daily balance. Plus, the TotalView checking includes monthly service fees on all other First Horizon consumer deposit accounts, meaning you can open as many and not pay any monthly fees!
So, with a debit card you can use anywhere across the United States, either to withdraw money or make purchases, including in-store and online, free digital banking tools, and relationship rates on your balance, the First Horizon TotalView Checking can be a great deal if you manage to avoid the monthly fee. If not, we recommend that you shop around some more, as we've seen more rewarding interest-bearing checking accounts that are also totally free!
Checking account details
- Monthly fee can be waived if you have 1 direct deposit or bill payment per statement cycle, keep a minimum $25,000 average daily balance across all of your First Horizon consumer checking accounts, AND if you keep a $100,000 average daily balance in consumer deposit and wealth accounts OR $50,000 or more in home equity and/or mortgage loan balances held in First Horizon’s portfolio OR $5,000 monthly debit card and/or credit card purchase transactions.
- Higher rates on the TotalView Money Market savings account if you meet the monthly fee waiver requirements.
- Higher daily debit card limits.
- Free Online and Mobile Banking.
- Free paper statements.
- Free access to 43,000 ATMs in the Allpoint Network.
- Refunded foreign ATM fees.
- Free standard checks or 50% discount on other styles.
- Free cashier's checks.
- Monthly service charge refunds on your other consumer deposit accounts.
- Digital Delegates.
- Quick GlanceSM.
- Overdraft Protection Plans.
Checking account fees
Monthly Fee$40 (can be waived)
Minimum Deposit to Open$50
Out-of-Network ATM Transaction Fee$0
Out-of-Network ATM Withdrawal Fee$0
Non-Sufficient Funds Fee$37
Foreign Transaction Fee3%
First Horizon TotalView Checking Account FAQ
To open a First Horizon TotalView Checking, you'll need to provide you:
- Valid 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.
At the time of opening a First Horizon TotalView Checking, you'll need to make 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.
As a First Horizon TotalView Checking customer, you'll earn a variable, tiered interest on your balance. "Variable" simply means that it can change at any time, while "tiered" means the rate might be different at different balance levels. Usually, the more money you keep in your balance, the better interest rates you'll get.
First Horizon Digital Delegates are tech experts who can help you learn how to manage your First Horizon TotalView online. If you feel like you need additional help using First Horizon Digital Banking, you can stop by a local First Horizon branch, and see whether there's a Digital Delegate to assist you.
First Horizon Digital Delegates 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.
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.
First Horizon's budgeting and savings tool 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, so you're always on top of your budget.
Yes, the budgeting and savings tool is provided to all First Horizon customers free of charge, and available in Online and Mobile Banking.
First Horizon has several overdraft protection plans that you might be interested in if you want to avoid being charged hefty overdraft fees.
For example, there's The Savings Account Link, great if you have or would like to open a savings account with First Horizon. This way, you can link it to your TotalView Checking, and, in case you ever overdraw your account, the funds will be automatically transferred from your savings to your checking account to cover the transaction. Yet, you'd still be charged a $15 fee per transfer.
Your second option is The Credit Card Link, which works the same way, but here, you need to keep in mind that, each time you don't have enough money in your checking account, and a transfer is made from your credit card to your checking, it will be treated as a cash advance, so, in addition to the $15 transfer fee, you'd also be charged cash advance fees.
Finally, there's The HELOC Link for those who have a First Horizon Bank Home Equity Line of Credit.
However, to avoid overdraft fees altogether, the best way to go is to ensure you always have money in your TotalView Checking balance, and don't spend what you don't have.
If you don't authorize First Horizon to pay overdrafts, your ATM and everyday debit card transactions may be declined in case you don't have enough money in your TotalView Checking.
However, when it comes to checks, ACH debits, and other transactions made using your checking account number, including automatic/recurring bill payments, First Horizon will pay overdrafts without authorization required on your end. If you don't want them to pay overdrafts, you must let them know. Keep in mind that, in this case, declined transactions due to insufficient funds might trigger NSF fees.