Estate planning at First Horizon
How to protect 14 First Horizon accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through First Horizon's Trust and Estate Planning - Wealth Management
Customer Service
Phone1-800-382-5465
Mailing Address
First Horizon Bank, 165 Madison Ave, Memphis, TN 38103
WebsiteLearn more→
Trust and Estate Planning - Wealth Management
Phone1-800-382-5465
Mailing Address
First Horizon Bank, 165 Madison Ave, Memphis, TN 38103
WebsiteLearn more→
Death Claims / Estate Services
Phone1-800-382-5465
Toll-Free1-800-382-5465
Mailing Address
First Horizon Bank, ATTN: Customer Solutions, P.O. Box 15003, Knoxville, TN 37901-5003
Mortgage Servicing
Verified Apr 2026
How your First Horizon accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 12 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
First Horizon lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
First Horizon has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at First Horizon.
View details →When someone dies
Death claim process
Contact First Horizon's Trust and Estate Planning - Wealth Management to file a claim. 4-step process, 6 required documents, and contact information for survivors.
View details →Reach First Horizon's Trust and Estate Planning - Wealth Management at 1-800-382-5465 for help with any of these procedures.
Because First Horizon serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. First Horizon has a dedicated Trust and Estate Planning team through its Wealth Management division. Services include trust administration, corporate trustee services, estate planning coordination, tax planning strategies, business succession planning, and charitable giving strategies. The team works with your existing legal and tax advisors to develop customized strategies. Schedule a consultation at https://www.firsthorizon.com/Personal/Products-and-Services/Trust-Services.
Yes. Through First Horizon Advisors, which operates via LPL Financial, the bank offers investment accounts, Traditional and Roth IRAs, and financial planning services. Securities and advisory products are not FDIC insured and may lose value. Life insurance products including term, whole life, and variable universal life are also available through LPL or its licensed affiliates.
Visit a First Horizon banking center with your Certification of Trust or complete trust agreement, government-issued ID for all trustees, and the trust tax identification number (EIN or grantor SSN for revocable trusts). A banking representative will complete the retitling paperwork to change ownership to the trust. Processing typically takes 1-2 weeks. You can also request retitling paperwork by mail by calling 800-382-5465.
SmartView Checking is an interest-bearing account with a $15 monthly service charge that can be refunded with qualifying direct deposits and balances. TotalView Checking is a premium account with a $25 monthly service charge that includes higher daily debit card limits, wire fee refunds up to $30/cycle, service charge refunds on other consumer deposit accounts, and a complimentary TotalView Money Market Savings account. TotalView requires higher balance thresholds to waive the monthly fee.
Yes. IRAs held through First Horizon Advisors via LPL Financial cannot be titled in the name of a trust, but a trust can be named as the beneficiary. Contact your First Horizon financial advisor to update IRA beneficiary designations. Investment accounts held through LPL Financial may have separate procedures from deposit account beneficiary changes.
First Horizon Bank is FDIC insured. Revocable trust accounts, including formal written trusts and informal trusts where the account owner designates a POD beneficiary, are covered under the FDIC trust ownership category. As of April 1, 2024, the FDIC simplified trust deposit insurance rules. For most trust depositors (those with less than $1,250,000 per owner at one institution), coverage levels are unchanged.
Sources
Data sourced from First Horizon primary sources (34 pages reviewed). How we research.
Customer Service
Phone1-800-382-5465
Mailing Address
First Horizon Bank, 165 Madison Ave, Memphis, TN 38103
WebsiteLearn more→
Trust and Estate Planning - Wealth Management
Phone1-800-382-5465
Mailing Address
First Horizon Bank, 165 Madison Ave, Memphis, TN 38103
WebsiteLearn more→
Death Claims / Estate Services
Phone1-800-382-5465
Toll-Free1-800-382-5465
Mailing Address
First Horizon Bank, ATTN: Customer Solutions, P.O. Box 15003, Knoxville, TN 37901-5003
Mortgage Servicing
Verified Apr 2026
Estate planning articles
Learn how to protect your First Horizon accounts and other assets with trusts, beneficiary designations, and estate planning documents.
