{"id":"bank-bonus-first-horizon-bank-450-bonus-la-ny-sc-tx-tn-ar-ms-al-ga-ky-fl-nc-and-va-direct-deposit-not-required","name":"First Horizon Checking and Savings Bonus — Up to $700","provider":"First Horizon Bank","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"Eligible new First Horizon consumer-checking customers can earn $450 by opening FirstView Checking by September 25, 2026 and receiving at least $2,000 in qualifying direct deposits within 90 days; opening Traditional Savings the same business day, adding $3,000 in external new money within 30 days, and maintaining it for 90 days adds $250.","benefit":{"description":"Up to $700: $450 for qualifying FirstView Checking plus $250 for a qualifying same-day Traditional Savings account","estimated_value_usd":700},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Individual who resides in a state where First Horizon has a banking center","New First Horizon consumer-checking client with no First Horizon consumer checking account within the past 24 months","Same primary owner on checking and savings for the extra $250; one offer per customer"],"requirements":"Open FirstView Checking between August 3 and 9:00 p.m. Eastern on September 25, 2026 with at least $50 in external new funds. Receive at least $2,000 in recurring qualifying direct deposits of payroll, pension, or Social Security within 90 days; person-to-person, bank, other electronic money transfers, Zelle, and internet-payment-service deposits do not qualify. Keep checking open at least 90 days and open, active, positive through payment. For the extra $250, open Traditional Savings with the same primary owner on the same business day, fund it with at least $50, deposit at least $3,000 directly from outside First Horizon within 30 days, and maintain a daily collected balance of at least $3,000 for 90 days; routing the funds through First Horizon checking does not count.","activation":"Open from the official offer page, or request and use a promotion code by phone or in a banking center. Complete the checking direct-deposit requirement within 90 days and, for the extra $250, open and fund Traditional Savings on the required timeline. Each earned bonus is scheduled within 15 business days after its requirements are met.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"$50 minimum opening deposit for each account. FirstView Checking has no monthly service charge with eStatement enrollment; Traditional Savings has a $5 quarterly service charge unless linked to FirstView Checking or the $250 minimum daily balance condition is met. Paper-statement and check-image fees can apply, and bonuses may be taxable.","personalized":false,"regions":["US","States with a First Horizon banking center"],"expires":"2026-09-25"},"status":"verified","last_checked":"2026-08-27","verification":{"checked_at":"2026-08-27T16:10:00.000Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.firsthorizon.com/personal/special-offers/summer700"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-08-27T16:10:00.000Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.firsthorizon.com/personal/special-offers/summer700","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-first-horizon-bank-450-bonus-la-ny-sc-tx-tn-ar-ms-al-ga-ky-fl-nc-and-va-direct-deposit-not-required?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.firsthorizon.com/personal/special-offers/summer700","source":{"primary_url":"https://www.firsthorizon.com/personal/special-offers/summer700","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.firsthorizon.com/personal/special-offers/summer700","kind":"provider","checked_at":"2026-08-27"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-first-horizon-bank-450-bonus-la-ny-sc-tx-tn-ar-ms-al-ga-ky-fl-nc-and-va-direct-deposit-not-required","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}