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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

First Horizon Mobile Banking vs FNBT & FCB Mobile

First Horizon Mobile Banking 4.8★ · Free to download 65
Winner First Horizon Mobile Banking
FNBT & FCB Mobile 4.8★ · Free to download 45

First Horizon Mobile Banking is generally preferred for its core banking functions and customer service, despite frequent maintenance issues, while FNBT & FCB Mobile struggles with consistent app functionality and transfer limitations.

Full reviews: First Horizon Mobile Banking · FNBT & FCB Mobile

First Horizon Mobile Banking offers a user-friendly experience for many, with strong customer service, but is plagued by frequent app maintenance and issues with advanced features like mobile deposit and Zelle. FNBT & FCB Mobile, while praised for in-person service, faces significant app glitches, transfer restrictions, and concerns about Zelle fees and functionality.

Head to head

Features edge: First Horizon Mobile BankingR2R10R13R15
First Horizon Mobile Banking First Horizon Mobile Banking users appreciate its ease of use for basic banking tasks like checking balances and making transfers, and some find its security features robust R23. However, many report significant issues with mobile deposit functionality, especially after updates, making it unusable for some R10R13R16R53. The app also lacks touchless payment capabilities and Apple Watch compatibility R2R15. Zelle functionality is a common pain point, with users reporting it being down, difficult to use, or having limited transfer amounts R24R37. Credit card management within the app is also criticized for slow updates and lack of payment options .
FNBT & FCB Mobile FNBT & FCB Mobile users praise its online banking as intuitive and easy to use for general tasks . However, many users report issues with Zelle, including the app crashing when trying to access it, errors, charges for transactions, and limits on transfer amounts R87R89. Mobile deposit is also frequently reported as not working or missing from the app . A significant number of users express frustration over transfer limitations, specifically being unable to transfer money between accounts after 10 PM R69R72R81. Some users also report missing transfer options entirely R73.
Ease of Use edge: First Horizon Mobile BankingR11R23R24R25
First Horizon Mobile Banking First Horizon Mobile Banking is described as simple, streamlined, and user-friendly by many R11R23. However, a significant number of users report issues with biometric login (Face ID/Touch ID) failing or working sporadically, requiring manual password entry . Some find the app unintuitive and complicated, especially for joint accounts or managing business and personal accounts R24R25. Issues with accessing old statements and slow balance updates also detract from ease of use R45.
FNBT & FCB Mobile FNBT & FCB Mobile is generally considered easy to use by some . However, users frequently report the app being slow and glitchy, with crashes and login issues R87. Some users also struggle with creating new passwords .
Reliability tieR1R4R7R9
First Horizon Mobile Banking First Horizon Mobile Banking suffers from frequent and constant maintenance, often at inconvenient times, leading to users being cut off from their funds or unable to access the app R1R4R9R19. Users also report the app malfunctioning, crashing, or getting stuck after login, sometimes only showing ATM locations instead of account information R4R7R9R10. Slow updates for account balances are another common complaint .
FNBT & FCB Mobile FNBT & FCB Mobile users report frequent glitches, crashes, and the app logging them out R87. There are also complaints about the app being under maintenance R87. Some users experience issues where their checking account information or money disappears, or balances are inaccurate, leading to overdrafts . Direct deposit issues have also been reported .
Price/Value edge: First Horizon Mobile BankingR37R45R87R89
First Horizon Mobile Banking First Horizon Mobile Banking is free to download. Users complain about a $3 fee per old bank statement R45. Transfer limits, such as $250 per week for transfers and $40 for checks, are seen as inconvenient and a reason to switch banks R37.
FNBT & FCB Mobile FNBT & FCB Mobile is free to download and some users appreciate that it's free to set up an account . However, users report being charged a $1 fee for Zelle transactions, which is seen as unusual compared to other banks R87R89R103. Some users also report unexpected monthly maintenance fees of $12, leading to negative balances .
Support edge: First Horizon Mobile BankingR5R7R8R14
First Horizon Mobile Banking First Horizon Mobile Banking receives high praise for its customer service, with users reporting kind, helpful, knowledgeable, and prompt associates who quickly resolve problems R5R8R14. Some users, however, report difficulty getting help from customer service regarding login issues R7.
FNBT & FCB Mobile FNBT & FCB Mobile users have mixed experiences with support. Some praise the in-person staff as very helpful and friendly . However, there are complaints about customer service ending conversations prematurely and being unhelpful with app issues . The customer service hours are also criticized R103.
Pick First Horizon Mobile Banking if

Pick First Horizon Mobile Banking if you prioritize strong customer service and a generally simple, user-friendly interface for core banking tasks, and are willing to tolerate occasional app maintenance and potential issues with advanced features like mobile deposit or Zelle R5R8R11R14.

Pick FNBT & FCB Mobile if

Pick FNBT & FCB Mobile if you value friendly in-person banking staff and an online banking experience that is intuitive for basic functions, and you can work around transfer time restrictions and potential Zelle fees .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Reviews for both apps show a mix of positive and negative experiences, with recent negative reviews for both highlighting reliability and feature issues.

Frequently asked

Does First Horizon Mobile Banking have reliable mobile deposit?
No, many users report significant issues with First Horizon Mobile Banking's mobile deposit feature, often stating it doesn't work, gives errors after updates, or is completely unavailable R10R13R16R53.
Are there transfer limitations with FNBT & FCB Mobile?
Yes, FNBT & FCB Mobile users frequently complain about being unable to transfer money between accounts after 10 PM, and some report missing transfer options entirely R69R72R73R81.
Does First Horizon Mobile Banking have frequent outages?
Yes, users frequently report that First Horizon Mobile Banking is constantly undergoing maintenance, often at inconvenient times, preventing access to funds or the app itself R1R4R9R19.
Does FNBT & FCB Mobile charge for Zelle transactions?
Yes, some FNBT & FCB Mobile users report being charged a $1 fee for Zelle transactions, which they find unusual compared to other banks R87R89R103.

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. [R2] First Horizon Mobile Banking 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.
  2. [R10] First Horizon Mobile Banking 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.
  3. [R13] First Horizon Mobile Banking 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.
  4. [R15] First Horizon Mobile Banking 3/5 · US 🙂: Got My Account Opened Today! Hopefully You Guys Will Be Compatible With Apple Watch Soon.
  5. [R11] First Horizon Mobile Banking 5/5 · US KKEE: Easy and convenient
  6. [R23] First Horizon Mobile Banking 5/5 · US Just right: It’s a simple sream line app very user friendly .
  7. [R24] First Horizon Mobile Banking 3/5 · US Is so complicated: We have a joint account with my husband. But is so hard to like use it, if he’s logged in mines doesn’t work or if I’m logged in he’s doesn’t work. We’ve called about they fix it and it doesn’t work after. As of now I made an update and Zelle is not working which is so frustrating.
  8. [R25] First Horizon Mobile Banking 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
  9. [R1] First Horizon Mobile Banking 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. [R4] First Horizon Mobile Banking 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. [R7] First Horizon Mobile Banking 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.
  12. [R9] First Horizon Mobile Banking 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
  13. [R37] First Horizon Mobile Banking 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.
  14. [R45] First Horizon Mobile Banking 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.
  15. [R87] FNBT & FCB Mobile 1/5 · US Glitches constantly: The app is glitching constantly. Any time I need to schedule a recurring transfer, it doesn’t show the options for which days to schedule out in the future so I have to go to the desktop version. It’s constantly going down for maintenance at the worst times. This bank doesn’t allow outgoing external transfers, charges $1 for Zelle transactions, and only allows $200 Zelle trans
  16. [R89] FNBT & FCB Mobile 1/5 · US Zelle: You shouldn’t have to pay to Zelle someone else I minus well have a Cash App card. No other bank charges
  17. [R5] First Horizon Mobile Banking 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.
  18. [R8] First Horizon Mobile Banking 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.
  19. [R14] First Horizon Mobile Banking 5/5 · US Review: Best customer service!! Fast connection when having to call Friendliest Helpful knowledgeable associates in the banking and on the phone.
  20. [R16] First Horizon Mobile Banking 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.
  21. [R53] First Horizon Mobile Banking 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
  22. [R69] FNBT & FCB Mobile 3/5 · US Horario de transferencia: Es una buena app, me funciona bien todo, lo único que no me gusta es que a las 10 pm ya no puedo hacer transferencias y eso siempre me choca porque yo siempre tengo mi dinero en savings y no en checking, así que cuando quiero pasar dinero ya no me deja. Incluso ha pasado cuando apenas son las 9 (ni siquiera las 10pm) y no me deja aunque falte una hora para la hora que ya
  23. [R72] FNBT & FCB Mobile 3/5 · US Review: I would leave a 5 star but the only thing I have issues with is no transferring after 10pm. We had to get a second bank just to be able to transfer.
  24. [R73] FNBT & FCB Mobile 1/5 · US Transfer option: Why does my app not have a transfer option? It’s been an issue for a year now what are we doing here?
  25. [R81] FNBT & FCB Mobile 3/5 · US It's a great bank app: I love using this app, and use it a great deal. The only complaint I could possibly have is the fact that played in the evening if I need to move money over, it won't do it until the next day. I could maybe understand why, since all of this is automated it shouldn't matter… 24 hours should be an easy thing to do. I love working with this biking app, and with the bank!
  26. [R19] First Horizon Mobile Banking 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
  27. [R103] FNBT & FCB Mobile 2/5 · US .: There are things about this card that get on my nerves. For instance, it's a mastercard, therefore, I couldn't use it at Costco. The customer service hours are trash. They have a cut off time of when you can move YOUR money around. Lastly, they will keep blocking charges that you're actually trying to make. There was a time where I needed to pay my mechanic, and almost couldn't get my car becau

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