Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

First Horizon Mobile Banking

30
User verdict / 100 High confidence In trouble

The First Horizon Mobile Banking app is currently experiencing significant technical issues, with many users unable to log in, use key features like mobile deposit and Zelle, or access their account information, despite a history of positive customer service experiences with the bank itself.

4.8★ lifetime (22,017) Free to download since 2010 by First Horizon Bank updated 1.0 mo ago recent negative 64% 120 reviews across 1 regions
Login & Access Issues Feature Malfunctions Downtime & Stability Customer Service (Bank) Outdated Functionality
5★62
4★9
3★18
2★30
1★131
recent reviews across 1 regions, vs the 4.8★ lifetime average

Recent reviews for the First Horizon Mobile Banking app indicate a sharp decline in functionality and user experience, with widespread reports of login failures, app crashes, and non-working features like mobile deposit and Zelle. This contrasts with the app's high lifetime rating and some users' positive experiences with the bank's in-person customer service.

What users like

  • Many users praise the bank's customer service and in-branch staff as helpful and friendlyR20R21R23R28
  • Some users find the app easy to use for basic tasks like checking balances and transfers when it worksR22R26R32R33

What users complain about

  • Frequent app downtime and maintenance disrupt access to funds and servicesR1R2R9R12
  • Users are unable to log in due to various errors, including password issues, biometric login failures, and broken OTP verificationR2R3R10R14
  • Mobile deposit feature is frequently broken or glitchy, making it difficult or impossible to deposit checksR4R7R8R45
  • Zelle functionality is unavailable for sending money, despite being advertised as a partnerR11R16R56R73
  • App often fails to display current account balances or transaction history, leading to financial uncertaintyR13R45R46R81
  • Lack of modern features like tap-to-pay (NFC) and Apple Watch compatibilityR19R39R49R161
  • Credit card management within the app is poor, lacking payment options and real-time balance updatesR47
  • Difficulty accessing old bank statements, sometimes requiring a feeR29R92
  • Issues with account transfers, including inability to stop recurring transfers and delays in HELOC transactionsR6R16R167
  • User information updated in the app does not always sync with the bank's internal systemsR157

Latest update · v5.3.70

What the developer says changed (the verdict above weighs this against what reviewers report):

We’re pleased to announce a minor update to our Digital Banking application. This release includes several behind-the-scenes improvements designed to enhance application stability, performance, and overall user experience. What’s New Bug Fixes and Performance Improvements Resolved several minor issues identified through customer feedback and ongoing monitoring. Improved application stability and reliability across supported devices. Enhanced performance in key areas of the mobile banking experience. iOS Platform Update Updated the application to support the latest Apple development standards and compatibility requirements through adoption of Xcode 26. Ensures continued compatibility with current and upcoming iOS releases. Includes infrastructure and security updates to support future enhancements. Impact to Users No action is required. Users should experience the same familiar ban

Recurring themes

Login & Access Issues negative
A significant number of recent reviews report users being unable to log into the app at all. This includes issues with password acceptance, biometric (Face ID/Touch ID) login failures, and problems receiving or entering one-time passcodes (OTPs). Many state that the app became unusable after a recent update.R2R3R10R14
Feature Malfunctions negative
Core banking features within the app are frequently reported as non-functional. Mobile deposit is cited as glitchy or completely broken, and many users are frustrated by the inability to send money via Zelle, despite the bank being listed as a partner. Other issues include problems with transfers between accounts and credit card management.R4R7R8R11
Downtime & Stability negative
Users consistently complain about the app being frequently 'under maintenance' or experiencing crashes and errors, often at inconvenient times. This leads to an inability to access accounts or perform banking tasks. The developer's notes mention 'bug fixes and performance improvements,' but recent reviews contradict this, indicating ongoing stability issues.R1R2R4R9
Outdated Functionality negative
Several reviewers point out the lack of modern banking conveniences such as tap-to-pay (NFC) for cards, Apple Watch compatibility, and real-time updates for credit card balances. The app's design and functionality are described as antiquated compared to other banking apps.R11R19R39R47
Customer Service (Bank) positive
Despite the app's problems, many users express satisfaction with First Horizon Bank's customer service, particularly the in-branch staff, describing them as helpful, friendly, and efficient in resolving issues.R20R21R23R28

Who it's for

This app is for First Horizon Bank customers who prioritize strong in-person customer service and are willing to tolerate significant, ongoing technical issues with their mobile banking experience R20R21R23. It is NOT for users who rely on consistent mobile access for daily banking, expect modern features like Zelle or mobile deposit to work reliably, or need real-time account balance updates R1R3R7R13.

Evidence note: The recent reviews skew heavily negative, focusing on critical app malfunctions. While some positive reviews exist, they often praise the bank's in-person service rather than the app's current functionality. The high lifetime rating likely reflects a period when the app was more stable, as recent feedback indicates a sharp decline.

Frequently asked

Why can't I log into the First Horizon Mobile Banking app?
Many users are currently unable to log in due to various issues, including incorrect password messages, biometric (Face ID/Touch ID) login failures, and problems with the one-time passcode (OTP) verification system R2R3R14R85.
Does the First Horizon app support Zelle?
While First Horizon is listed as a Zelle partner, many recent reviews indicate that the Zelle 'send' function is currently unavailable or not working within the app, preventing users from sending money R11R73R79R84.
Is mobile deposit working in the First Horizon app?
No, many users report that the mobile deposit feature is not working or is extremely glitchy after recent updates, often resulting in errors when trying to deposit checks R7R8R57R80.
Why is the First Horizon app always down for maintenance?
Users frequently report the app being under maintenance or experiencing downtime, often at inconvenient times, which prevents access to accounts and services R1R9R15R58.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R20] 5/5 · US Best Bank: I have banked with first horizon for many years. Everyone is always kind. and always takes. Excellent care of any problems right away thank you.
  2. [R21] 5/5 · US Easy banking- Helpful crew: I travel nearly constantly and First Horizon makes it stress free to keep up with banking needs. When I do need help the staff is great at solving my problems.
  3. [R23] 5/5 · US Review: Best customer service!! Fast connection when having to call Friendliest Helpful knowledgeable associates in the banking and on the phone.
  4. [R28] 5/5 · US Best bank ever: This bank has caught several fraud attempts on my account and they have taken care of me on it. I never have an issue with anything. They’re always prompt to help me and transactions and general banking works perfectly
  5. [R22] 5/5 · US KKEE: Easy and convenient
  6. [R26] 5/5 · US Just right: It’s a simple sream line app very user friendly .
  7. [R32] 5/5 · US Great App: This is a great app! I never have any issues with it. It makes transfers so easy!
  8. [R33] 5/5 · US Simple: Simple as can be
  9. [R1] 1/5 · US POS: I hate this bank due to the constant maintenance so that I am cut off from my funds at the least convenient times. This bank is the lousiest bank I have ever been with and will be looking elsewhere to due my banking!!!!!
  10. [R2] 2/5 · US App malfunction: This app is usually out due to services to fix/debug it from crashing. Now when j put my passoword in, it will not accept it even when the password is saved. There are way too many inconviences with this app. It’s making me consider switching banks.
  11. [R9] 1/5 · US 😂: app never wants to work and they’re always doing maintenance updates but never seems to do anything!100% going to switch banks
  12. [R12] 1/5 · US Absolutely Atrocious: This app is so unintuitive and slow, it’s literally bad enough that I’m considering leaving First Horizon bank. Payments take forever to show up on my account total, it’s always glitchy and freezing, and worst of all, they’re doing CONSTANT “app maintenance” where I can’t even access my account or enable/disable my debit card. Seriously, whoever’s in charge needs to fire the
  13. [R3] 1/5 · US Doesn’t work, can’t log in: I have had this app for a few weeks now, and I wish I could say I love it but unfortunately I can’t. I would be kidding myself if I had anything to say about it because I haven’t been able to login in at all, with hardly any help from customer service.
  14. [R10] 3/5 · US It’s not letting me in the app: I don’t know if you all are doing maintenance on the app or something but it won’t let me ln the app it just says this “it looks like we’re having trouble loading the application” and it says that to make sure that your network is connected but it is and there’s a error code 1003 so yeah thanks for reading this and I love the app
  15. [R14] 1/5 · US Biometric Login Fails After Username Update: I've encountered a significant bug that needs to be addressed. After I updated my username in the app, the biometric login (Face ID) continues to work with my old username. This is a major security flaw. It creates confusion and means the app isn't fully recognizing the change. When I manually type in my new username, the login works fine. However, if I
  16. [R4] 1/5 · US Crashes and Downtime Garbage App.: This is one of the worst banking apps out there. Deposit feature is a joke and horrible. Not sure how it has such a high rating. Simply a terrible design and function.
  17. [R7] 1/5 · US It’s 2025, let’s fix the Mobile Deposit PLEASE: Can’t use mobile deposit, have to drive to a branch to deposit checks which is annoying. If you say you have a feature through the app, maybe make sure it works? Also the app is lacking in general. Considering switching banks for this issue tbh.
  18. [R8] 2/5 · US Mobile deposit not working after update: I have used mobile deposit regularly for years and after the latest update, I get nothing but errors when trying to deposit.
  19. [R45] 1/5 · US Update is horrendous: My app updated now I don’t even get the option to deposit checks via app or even see my account balance outside of quick glance. Soon as I log in all I see is the atm finder
  20. [R11] 1/5 · US Antiquated. Negative mobile presence.: This app makes it impossible to achieve the simplest tasks without going into the bank. Transferring funds to an account? Plaid won’t work. Need a new debit card? You’ll have to go into a branch. Sending a Zelle? Absolutely forget about it. If mobile banking is important to you, don’t bank with FHB
  21. [R16] 1/5 · US Max transfer $250 per week: And checks are $40. This is not the bank you want if you have multiple accounts like me (personal plus joint). I’ll be closing my account because it’s too inconvenient to make transfers. I can’t use Zelle because that’s registered on my other account. Unbelievable.
  22. [R56] 5/5 · US Can’t send money via Zelle, don’t recommend: No Zelle
  23. [R73] 5/5 · US No zelle crazy!!!: Been in this bank for years was happy but now I can only receive zelle I can’t send what type of bank is this? Then they say zelle is unavailable but will be back shortly who the heck are they kidding? We been waiting for months now! I’m changing banks
  24. [R13] 1/5 · US Doesn’t even tell me how much I have.: Not only is this app slow and glitchy, it doesn’t update on how much I have in my bank until days later which is terrible, I have to calculate my own to see how much I have and have spent because of how slow It updates to show my current balance. Honestly about to switch banks because of how slow it takes to show my actual balance
  25. [R46] 5/5 · US Glitchy: It will only show me ATM locations and not my balances and recent transactions for some reason. In the past it let me view all my recent transactions
  26. [R81] 2/5 · US Just not convenient: Ever since the Iberia switch it’s been annoying. Never up to date so it’s difficult to see where my funds are at which is the whole point of the app. A large bank should not have a bad app. It’s one of my main reasons I plan to switch. And now that I can’t send zelle it’s even more inconvenient. Please put more effort in FH.
  27. [R19] 4/5 · US Where’s the Touchless Capability?: Everyone I know has merely to tap their card on the payment device, except me and a few other First Horizon customers. Why so behind the curve? I’m tempted to open an account at another bank just because of this continuing lack of convenience. Otherwise, I’m happy.
  28. [R39] 2/5 · US No tap card: 😕
  29. [R49] 3/5 · US 🙂: Got My Account Opened Today! Hopefully You Guys Will Be Compatible With Apple Watch Soon.
  30. [R161] 5/5 · US Debit card: Love the app. Hopefully one day they will eventually change over to using tap cards for ease and more convenient.
  31. [R47] 1/5 · US Credit Card Woes: Was excited to use a credit card from my bank. Turns out the only way to pay the statement is via mailed in check or at a local branch. There is no payment option in the app. The available credit feature is not instantly available to keep track of spending like every other credit card in the world. It takes several days for the available credit information to update, it is NEVER
  32. [R29] 1/5 · US Difficult to access old statements!: I desperately need my older bank statements from 2022-23 but can’t access them without a $3 each feel ! Not happy ! That would cost a fortune with 3 accounts.
  33. [R92] 1/5 · US Statement: Can not print statement
  34. [R6] 3/5 · US Transfers between accounts: I recently set up a transfer between my two accounts, but I didn’t realize I wouldn’t be able to stop it when I did it. There should be a way to delete the series. I go into transfers, transfer activity, edit series, it won’t let me delete the series. Clear does nothing. The only thing I could do was set it for annual instead of monthly. Now I have to remember that it’s
  35. [R167] 3/5 · US Good app: I have no complaints about the ease of using the app for payments, checking balances and seeing transactions in my checking account. Everything works well except for transactions in my HELOC account. The system lags by 2 days; however, I believe the balance updates immediately. Anyway, I have had several instances that transfers between my HELOC and checking accounts didn’t show up imme
  36. [R157] 3/5 · US Doesn’t sync info: I just got off the phone to order a new debit card. Went through verifying my info. Well the lady on the phone said it was incorrect. So I gave her my old info which it was still that. She then asked if I had updated my info. I said yes through the app. She ended up changing it through her end. What’s the point in being able edit your address and number on the app if it won’t ch
  37. [R85] 1/5 · US Unable to log in: I have removed and re-downloaded this app so many times I’ve lost count. It asks how I would like to receive my passcode with NO options visible. I hit “send passcode” and it says OPTION REQUIRED.
  38. [R79] 1/5 · US No Zelle??: Why can’t I use Zelle to send money? It said on the Zelle app that first horizon is partners. Very hard to send money on this bank. Time to find new one
  39. [R84] 1/5 · US No more sending with Zelle! Gah!: I can’t believe they haven’t figured this out.
  40. [R57] 2/5 · US Has become worse: Taking a check picture is so bad. It makes the camera spazz. The amount of times the app is down as well… not pleased at all.
  41. [R80] 1/5 · US Terrible mobile deposit: After the most recent update the mobile deposit is so glitchy it takes me several minutes to deposit a check! This is unacceptable! If this is not corrected in the app soon, I’ll be changing banks because of this issue!! I’ve never left a review on an app before. Please fix this issue ASAP!!
  42. [R15] 1/5 · US Maintenance: This app is always under maintenance when I need to use it and nothing ever improves. I would recommend literally any other bank.
  43. [R58] 1/5 · US Always Maintenance: It’s almost like every single night this is “under maintenance”! Why not wait until like 3 am?

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store