How to name beneficiaries and fund a trust at First Horizon
Covers 8 deposit, 2 retirement, 1 investment, 1 insurance, and 2 lending accounts — beneficiaries must be updated in-branch
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
Preparing your First Horizon accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.
Across 14 product types, First Horizon accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
FirstView CheckingSmartView CheckingTotalView CheckingAccess CheckingTraditional SavingsMoney Market SavingsTotalView Money Market SavingsRegular CD
1
Visit a First Horizon banking center with government-issued photo ID
2
Request a POD (Payable on Death) beneficiary designation form for your deposit accounts
3
Provide beneficiary details:
- Full legal name and Social Security number for each beneficiary
- Percentage allocations if naming multiple beneficiaries
4
Sign the completed form with a banking representative
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Spousal consent may be required depending on state law
- Account owner can change POD payees at any time with a signed written request
- Named beneficiaries override your will
- Revocable trust accounts where account owners designate POD beneficiaries are covered under FDIC trust ownership category
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.
