Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
No Monthly Maintenance Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Debit Card with Rewards
This account includes First Horizon Cash Rewards to put money back into your account based on your debit card usage. There is no annual fee for this card.
$0.00/yr
Surcharge-Free ATM Access
No fees to use an Allpoint Network ATM
Yes
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM.
$3.00/per use
International ATM Usage Fee
There is a $3.00 fee for using an ATM outside the US as well as a fee of 1.00% of the total transaction amount
$3.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, pay bills, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android mobile application.
Free
Person-to-Person Payments
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$2.00 fee to receive paper statements
$2.00/month
Check Images with Statements
$1.00 fee to receive check images with paper statements
$1.00/month
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Negative Balance Fee
A $25 negative balance fee is charged on the 15th day and 35th day that an account remains continuously overdrawn by more then $5.00
Yes
Initial Returned Item Fee
The Insufficient Funds Fee is $37.00 per overdraft.*Fee will not be charged if the amount overdrawn is $5 or less.
$37.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $15.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Transfer fee of $15.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $15.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.