First Horizon Bank
CheckingVerified Oct 9, 2026
First Horizon Private Client Reserve Checking: up to $3,000 bonus
Enroll in direct deposit within 90 days and receive at least two qualifying payroll or benefit ACH deposits to checking during the 90-day maintenance window.
- Direct deposits
- 2 deposits
- Cash to keep
- $100,000 for 90 days
- Monthly fee
- Not verified
- Apply by
- Oct 30, 2026
Selected target
$1,000
Up to $3,000 at higher tiers
Apply by Oct 30, 2026
View offer at First Horizon BankRead the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.
Your fit
Add your state, direct deposit and cash to check this offer's conditions against your situation.
- 1 thing to check: Your history with First Horizon Bank
This checks the published conditions only. The bank decides who is approved.
Steps to earn
Complete all 3 steps for $1,000
New money
Deposit at least $100,000 in money new to First Horizon into eligible checking and/or Private Client Money Market Savings within 45 days.
- $100,000
- Within 45 days of opening
Keep a balance
Maintain a combined end-of-day ledger balance of at least $100,000 for 90 consecutive days starting the day after the 45-day funding window.
- $100,000
- Keep it for 90 days
Direct deposit
Enroll in direct deposit within 90 days and receive at least two qualifying payroll or benefit ACH deposits to checking during the 90-day maintenance window.
- 2 times
All tiers
| Bonus | Deposit to qualify | Cash to keep | Choose your target |
|---|---|---|---|
| $1,000 | Direct deposits: 2 deposits | $100,000 for 90 days | Selected |
| $2,000 | Direct deposits: 2 deposits | $250,000 for 90 days | |
| $3,000 | Direct deposits: 2 deposits | $500,000 for 90 days |
Timeline
Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.
Apply by Oct 30, 2026
Open the account
New money
Day 45 after opening
Deposit at least $100,000 in money new to First Horizon into eligible checking and/or Private Client Money Market Savings within 45 days.
Keep a balance
Maintain a combined end-of-day ledger balance of at least $100,000 for 90 consecutive days starting the day after the 45-day funding window.
Direct deposit
Enroll in direct deposit within 90 days and receive at least two qualifying payroll or benefit ACH deposits to checking during the 90-day maintenance window.
Bonus paid
Within 10 business days after the 90-day balance-maintenance period; checking must stay open and in good standing.
Money and fees
- Bonus
- $1,000
- Monthly fees
- Not verified — check the bank's fee schedule
- Bonus after fees, before tax
- We can't estimate this until the fee is verified.
Cash to keep in the account
$100,000 for 90 days
Is moving the money worth it?
Enter the APY that money earns where it is now. We'll subtract the interest you'd give up.
After the bonus
- Account type
- Checking
- Monthly fee
- Not verified
- APY
- Not stated in the terms we reviewed
- Early closure fee
- Not stated in the terms we reviewed
- How to open
- At a branch
Eligibility
Where it's offered
The bank's terms don't list states. Check availability on the bank's site before applying.
Who can get it
New customers only. If you've had an account with First Horizon Bank, check the look-back period in the terms.
Open with a Private Client Relationship Manager. Requires $1 million combined income and investable assets plus either $100,000 in First Horizon consumer deposits or $500,000 with First Horizon Advisors. No personal deposit account at First Horizon in the past 18 months, except a Promotional Jumbo CD. Same primary owner on checking and savings; one bonus per client and household. Confirm account fees with the bank.
Terms and sources
Checked against firsthorizon.com on Oct 9, 2026. Next check by Oct 23, 2026.
- firsthorizon.com/forms/private-client-cash-offerCaptured Oct 9, 2026
Offer terms can change. Confirm current eligibility and terms with the bank before applying.