[Expired] First Horizon $700 Bonus Offer (2026): Checking Requirements & Review
Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.
- Direct deposit: $2,000 in qualifying direct deposits
- Deposit window: 90 days
- Minimum opening deposit: $50
- Availability: 10 states: TN, MS, AL, GA, FL, SC, NC, VA, TX, LA
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Unknown
- No early-closure rule listed
- Bonus posts: ~15 days
- Account hold: Must keep open 90 days
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
First Horizon Bank's $450 checking offer is no longer available. This page preserves the final tracked requirements, source, and offer history so you can compare it with currently active bonuses.
Pros
Cons
Notes
Receive $2,000+ in direct deposits within 90 days. Allow approximately 15 days for the bonus to post after qualification. Keep the account open for at least 90 days.
How This Compares to Other Bonuses
First Horizon Bank's $450 offer is closest in headline value to U.S. Bank's $450 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current First Horizon Bank checking bonus?
The final offer we tracked paid $450; it is now marked expired.
Does the First Horizon Bank bonus require direct deposit?
Yes. The catalog currently records $2,000 in qualifying direct deposits within 90 days. Confirm the bank's exact definition before applying.
When should the First Horizon Bank bonus post?
The tracked estimate is about 15 days after you satisfy the requirements.
Related Bonus Reviews
Full Requirements
This offer has ended. It required opening a new consumer checking account with a $50 minimum opening deposit and receiving qualifying direct deposits totaling at least $2,000 within 90 days of opening for the $450, with an extra $250 available if you also opened the matching savings account the same business day, funded it with $5,000 or more in new money within 30 days, and held that $5,000 daily collected balance for 90 days. Apply online.
Fees
No monthly fee on eligible checking.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
First Horizon Bank. The offer window ran from April 1, 2026 to 9PM Eastern on June 30, 2026 and has closed. It was open only to applicants who had not had a First Horizon consumer account in the previous 18 months and who lived in a state with a First Horizon banking center, and the opening deposit had to be new funds from another institution. Qualifying direct deposits were recurring electronic deposits of payroll, pension or Social Security; Zelle and other person to person or electronic money transfers did not count. The checking account had to stay open at least 90 days, and each part of the bonus posted within 15 business days after its own requirements were met.
Sources (3)
We last checked this against the bank's page on July 27, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.