First Horizon Routing Number: What Everyone’s Missing & Why It Matters

When managing financial transactions with First Horizon Bank, one crucial piece of information is the routing number. If you’re sending or receiving money into or out of a First Horizon account, knowing the correct routing number is essential to ensure seamless, error-free transactions. Yet, many customers remain unaware of key details about the First Horizon routing number—details that could save time, prevent delays, and protect your funds.

In this SEO-optimized article, we’ll break down everything you need to know about the First Horizon routing number, including what everyone’s missing, how to find it, and why accurate routing information matters for your financial health.

Understanding the Context


What Is a Routing Number and Why Does It Matter for First Horizon?

A routing number is a nine-digit code that identifies a financial institution within the United States. It works like a postal code for banks—banks use it to process checks, direct deposits, and automated clearing house (ACH) transfers. For First Horizon Bank, using the correct routing number ensures your transactions go to the right destination without delays, holds, or rejections.

Without the correct routing number, you risk:

Key Insights

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Delayed or rejected ACH payments
Misrouted checks or transfers
Inaccurate bill payments
Fraud vulnerabilities due to incorrect routing
Time wasted resolving transaction errors


What Is the First Horizon Routing Number?

As of the latest official records, First Horizon Bank’s primary routing number is 111000407. This routing number serves most of its transactional services, including:

  • ACH transfers between First Horizon accounts
    - Direct deposits for payroll and government benefits
    - Check processing through the Federal Reserve’s ACH network

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Final Thoughts

However, while this is the core routing number, First Horizon may use additional routing numbers for specific services, regional branches, or partnerships with third-party payment processors. That’s where what everyone’s missing comes in.


What Everyone’s Missing: Less Obvious Routing Details for First Horizon

Many customers focus only on the primary routing number but overlook these critical details:

1. Branch-Specific Routing Numbers
First Horizon operates in multiple states, and some branches may use alternate routing numbers for local processing. For example, First Horizon West Loop (Indianapolis) or Citibank branches merged under First Horizon might have distinct routing codes based on geography or internal systems. Using the wrong branch number can cause delays.

2. Routing Numbers by Transaction Type
While 111000407 covers broad ACH transfers, some digital payment platforms or regional processors may require specific routing codes tied to payment type—e.g., wire transfers, domestic wire (SWIFT: 0112US37), or wire-to-account capabilities. Always confirm if you’re sending money internationally or via specialized services.

3. Routing Number Updates & Regional Changes
Banks occasionally update routing numbers due to mergers, technological upgrades, or compliance needs. First Horizon has undergone significant transformations, including integration with Star Financial and changes across state lines. Customers relying on outdated routing info risk failed transactions. Check with your branch or First Horizon’s official channels for the most current routing details.

4. Official Verification Channels
The safest way to get the correct routing number is directly from First Horizon:
- Visit your nearest branch
- Log into your online banking and view account details
- Contact customer service at chchat@firsthorizon.com or by calling 1-866-HORIZON (474-4746)
- Loan or transaction support teams can verify or redirect necessary routing info


How to Verify Your First Horizon Routing Number