First Horizon Bank is a full-service regional bank offering personal and business banking, lending, wealth management, and treasury services across multiple customer segments.
Editorially reviewed by Harvey Brooks
First Horizon Bank operates as a comprehensive financial institution serving personal, small business, and commercial customers. The bank was historically known as Capital Bank before rebranding, and maintains a significant digital and physical presence across the United States. The website indicates substantial institutional backing with capabilities spanning retail and commercial banking operations.
The bank offers a broad product suite including multiple checking and savings account tiers (FirstView, SmartView, and TotalView for personal customers; BizEssentials variants for business), certificate of deposit products (including Jumbo and CDARS options), and various loan products ranging from personal unsecured loans to SBA financing and commercial real estate lending. Their digital banking platform includes mobile deposit, bill pay, Zelle integration, and mobile app access. Credit card products span personal Visa cards at multiple tier levels and Visa Small Business cards.
First Horizon distinguishes itself through specialized industry expertise, including dedicated lending solutions for restaurants, fitness facilities, and music/sports/entertainment sectors. They offer sophisticated treasury management services for commercial customers, including lockbox services, ACH cash concentration, and merchant services. Wealth management services include financial planning, investment services, trust and estate planning, and corporate retirement plan services through partnerships with platforms like LPL, eMoney, and Envestnet.
As a regional bank with full-service capabilities, First Horizon serves customers who need comprehensive financial relationships rather than single-purpose products. However, customers should note that specific rates, fees, and product availability are not detailed on this marketing-focused website, requiring direct inquiry for pricing and qualification information. Many banks offer installment loans with fixed monthly payments, giving borrowers a clear payoff timeline.
Yes. Capital Bank Executive Office is a registered company headquartered in 1017 E Morehead St #201, Charlotte, NC 28204. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
First Horizon Bank is best for customers and businesses seeking a full-service regional bank capable of handling multiple financial relationships simultaneously, from deposits and lending to wealth management and specialized commercial services. The primary caveat is that the marketing website lacks specific pricing, rates, and qualification criteria—customers must contact the bank directly to understand product costs and evaluate whether offerings match their financial situation.
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