First Horizon Bank Routing Number

Find your First Horizon routing number for ACH transfers, wire transfers, and direct deposit setup across all states where First Horizon operates.

Wire Transfer (Domestic)

084000026

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Wire Transfer (International)

084000026

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ACH Transfer

084000026

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Swift Code

FTBMUS44XXX

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with First Horizon. Nickel supports secure transfers from First Horizon and thousands of other banks. For official First Horizon support, contact them directly.

First Horizon Bank Routing Numbers by State

First Horizon Bank makes it simple - the primary routing number 084000026 works for most transactions regardless of where you opened your account. However, due to First Horizon's merger history with IberiaBank and Capital Bank, some accounts may have different routing numbers based on your original bank and state.

Primary Routing Number (Most Accounts): 084000026

This is First Horizon's main routing number and works for:

- All domestic wire transfers

- Most ACH transfers

- Direct deposits

- Bill payments

- Electronic transfers

States Served by First Horizon:

First Horizon operates branches in the following states. Most accounts use the primary routing number 084000026:

Alabama

Arkansas

Florida

Georgia

Louisiana

Mississippi

Missouri

New York

North Carolina

South Carolina

Tennessee (headquarters state)

Texas

Virginia

Legacy Routing Numbers:

If your account was originally opened with IberiaBank or Capital Bank before their merger with First Horizon, you might have a different routing number. Check your checks or contact First Horizon customer service at 1-800-382-5465 to confirm your specific routing number.

Important Notes:

For domestic wire transfers, always use routing number 084000026 regardless of your state or legacy bank. For international wire transfers, you'll need SWIFT code FTBMUS44XXX in addition to the routing number. When in doubt about which routing number to use, First Horizon recommends using their primary routing number 084000026, which works for the vast majority of accounts and transaction types.

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Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your First Horizon Bank Routing Number

Multiple ways to locate your First Horizon Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your First Horizon online banking and navigate to Account Details to view your routing number

Mobile App

Open the First Horizon mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call First Horizon customer service at 1-800-382-5465 for assistance finding your routing number.

Frequently Asked Questions About First Horizon Bank Routing Numbers

Why does First Horizon Bank have multiple routing numbers?

First Horizon has grown significantly through mergers and acquisitions over its 160-year history. The bank was formerly known as First Tennessee Bank and merged with IberiaBank in 2020, which itself had acquired several regional banks. While First Horizon now uses 084000026 as its primary routing number for most accounts, some legacy accounts from merged institutions may still have their original routing numbers. This consolidation process helps streamline operations while ensuring existing customers experience no disruption to their banking services.

Can I use 084000026 for all my First Horizon transactions?

In most cases, yes. The routing number 084000026 is First Horizon's primary routing number and works for wire transfers, ACH transfers, direct deposits, and bill payments for the majority of accounts. However, if your account originated with IberiaBank, Capital Bank, or another institution that merged with First Horizon, you should verify your specific routing number. You can find it on your checks at the bottom left corner, or call First Horizon customer service at 1-800-382-5465 for confirmation.

What's the difference between First Horizon's ACH and wire routing numbers?

First Horizon simplifies this by using the same routing number - 084000026 - for both ACH transfers and domestic wire transfers. This makes it easier for customers since you don't need to remember different numbers for different transaction types. ACH transfers typically take 2-3 business days to process and are used for direct deposits, bill payments, and standard transfers. Wire transfers process the same day if submitted before the cutoff time and are better for urgent, high-value transfers.

What happened to my First Tennessee Bank routing number?

In 2019, First Tennessee Bank rebranded as First Horizon Bank and unified all its services under the First Horizon name. If you had a First Tennessee account, your routing number remained the same - it's still 084000026. The name change didn't affect routing numbers or account numbers, so all your existing payment arrangements, direct deposits, and automatic transfers continued working without any changes needed on your part.

Do I need a SWIFT code for international transfers with First Horizon?

Yes, all international wire transfers require First Horizon's SWIFT code: FTBMUS44XXX. The routing number 084000026 only works for domestic U.S. transfers. When receiving an international wire into your First Horizon account, provide the sender with both the routing number (084000026) and the SWIFT code (FTBMUS44XXX), along with your account number and the bank's address: 165 Madison Avenue, Memphis, TN 38103.

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