Business Details
About
BankATMCredit CardsBusiness Banking ServiceMortgage RefinanceCommercial Mortgage LenderConstruction LoansHome Loan ProviderEquity LoansFinancial PlanningFirst Horizon Bank
Welcome to First Horizon Bank - located in Key West. Since 1864, we’ve been a bank you can count on. Our financial foundation is so steady you can build a house on it. Mortgage loan included. Our commitment to you has won some pretty big awards. Like Forbes World’s Best Banks. Stop by today and tap into local decision-makers who actually get where you’re coming from. And a go-to banker who is always just a call away.
Details
- Requires appointmentNot available
- Onsite servicesAvailable
- Free parking lotAvailable
- Free street parkingAvailable
Location
First Horizon Bank - Key West, FL - Whitehead St
330 Whitehead Street, Key West, FL
33040, United States
Hours
Reviews
3.3
19 reviews
5 stars
10
4 stars
1
3 stars0
2 stars0
1 star
8
- DWDaniel WalshJan 5, 20265.0Love the whole team! They do great work :)
- JBJesse BarronNov 15, 20205.0I am editing my review because I posted after my first experience at this branch. It must have just been a nasty teller because I have not seen them since on my many visits back to this particular branch. Sometimes companies mistakenly hire not-so-great people and have to adjust, which they did. All that matters is they seemed to get rid of the person likely driving low reviews. I love going into this branch now. Everybody is so friendly and the service is quick.
- WAwolfchrist acidmotherFeb 10, 20181.0The WORST bank I've ever been a customer of and I've been with banks that lost lawsuits for skimming accounts....
- JJjaredOct 5, 20171.0Spent the last 2 hours driving their location to find out the one on north roosevelt is closed. The sign says the one on whitehead st. is open..let me double check online so i dont waste my valuable time driv8ng down there..oh online confirmation..capital bank 330 whitehead open until 5pm. Drive all the way down town..oh how wonderful locked doors!!..i wonder why?..oh! The lobby is open till 4!! How silly of me to assume they put their actual hours online. No need to specify since evwryone is free to use your drive thru, right? they seem to think it offers full service enough to advertise to the world that the establishment is OPEN on the world wide web. Oh no of course they cant help because they dont have a monopoly on banking services and wont do the courtesy of cashing their clients check despite poatibg invalid information on their door and website. Just wasting everyone's time like theirs is the only with value. Will never bank hete
Frequently Asked Questions About First Horizon Bank - Key West, FL - Whitehead St
What do I need to open a personal checking account?
$50 minimum opening deposit
Social Security number
Date of birth
Personal identification such as a driver’s license, passport, state or government-issued ID
Can I open a personal checking account online?
Yes. Alternatively, you can visit one of our banking centers to apply in person.
Is there a limit on the number of transactions I can make with a personal checking account?
No, there is no limit on the number of transactions.
What are the first steps in the home buying process?
The first steps include assessing your financial situation, getting pre-qualified for a mortgage, and determining your budget. It's also important to start researching neighborhoods and listing your home preferences. First Horizon's mortgage specialists can guide you through these initial steps.
How long does it take to buy a home?
The home buying process typically takes between 30 to 60 days from making an offer to closing. This timeline can vary based on factors such as market conditions, the efficiency of your lender, and the specifics of the transaction.
What is mortgage prequalification and why is it important?
Mortgage prequalification involves a lender reviewing your financial information to determine your loan eligibility and providing a prequalified letter. This letter strengthens your offer on a home by showing sellers you are a serious and qualified buyer.
What types of mortgage loans are available through First Horizon?
First Horizon offers a variety of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has different benefits to suit diverse financial needs.
Can First Horizon help with financing for first-time homebuyers?
Yes, First Horizon offers several programs designed to assist first-time homebuyers, including FHA loans and other options with lower down payment requirements. Our mortgage specialists can help you explore these programs and find the best fit for your needs.
How do I know if mortgage loan refinancing is right for me?
Refinancing may be beneficial if current interest rates are lower than your existing rate, if you want to switch from an adjustable-rate mortgage to a fixed-rate mortgage, or if you need to tap into your home’s equity. Our mortgage specialists can help you evaluate your situation.
What types of small business loans do you offer?
There are many different types of small business loans available, including small business term loans, lines of credit and real estate loans. Talk to a banker today to review your options.
What are the qualifications for a small business loan?
The loan requirements for a small business loan will vary, depending on the loan type and other factors. Here are some things to consider when applying:
Business Plan: Craft a thorough business plan outlining your goals, market analysis, financial projections, and how the loan will be utilized. A well-prepared plan demonstrates your business's viability.
Loan Purpose: Clearly articulate the purpose of the loan and how it will benefit your business. Whether it's for expansion, equipment purchase, working capital or other needs, provide specific details to support your application.
Collateral: Some loans require collateral. If your loan requires collateral, be prepared to offer assets such as real estate, equipment or inventory.
Credit History: Your personal and business credit scores play a significant role. Aim for good scores to enhance your eligibility.
Cash Flow: Lenders assess your business's cash flow to determine your ability to repay the loan. Positive cash flow and consistent revenue are essential indicators of financial stability.
Industry Experience: Your industry expertise and a track record of success can help strengthen your application.
Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio to gauge your ability to manage additional debt payments. Maintaining a healthy ratio improves your chances of loan approval.
Legal Compliance: Ensure your business complies with all legal and regulatory requirements, including licenses, permits and registrations.
Relationship with Lender: Building a positive relationship with your lender can be advantageous. Regular communication and responsible financial management can help expedite the process.
How long does it take to get a small business loan?
As soon as you recognize the need for funds and can gather the necessary documentation, contact your banker to get the process started. The length of the loan application process is dependent on the complexity of the loan.
What are the drive-through banking hours at First Horizon Bank - Key West, FL - Whitehead St?
Drive-through banking is available Monday through Thursday from 9:00 AM to 4:00 PM, and on Friday from 9:00 AM to 6:00 PM. The drive-through is closed on Saturdays and Sundays.
How can I open a personal checking account at First Horizon Bank?
You need a $50 minimum opening deposit, your Social Security number, date of birth, and personal identification such as a driver’s license or passport to open a personal checking account.
Can I open a personal checking account online?
Yes, you can open a personal checking account online or visit one of our banking centers to apply in person.
What mortgage loan options are available at First Horizon Bank?
First Horizon offers various mortgage loans including fixed-rate, adjustable-rate (ARMs), FHA, VA, and jumbo loans tailored to diverse financial needs.
Does First Horizon Bank provide assistance for first-time homebuyers?
Yes, the bank offers programs designed for first-time homebuyers, such as FHA loans with lower down payment requirements. Mortgage specialists are available to assist in finding the best fit.
What types of small business loans does First Horizon Bank offer?
First Horizon offers small business term loans, lines of credit, and real estate loans. You can speak with a banker to explore the best options for your business needs.
Where is First Horizon Bank located in Key West?
First Horizon Bank is located at 330 Whitehead Street, Key West, FL 33040, USA.
What nearby attractions can I visit before or after my banking appointment at First Horizon Bank in Key West?
Nearby attractions include the Marilyn Monroe Statue, the Truman Annex Real Estate Co Inc, and historic sites like The Presidential Gates. These provide interesting spots to visit while in the area.
How can nearby services like Hemingway in Key West Tours enhance my visit to First Horizon Bank?
If you're visiting First Horizon Bank, you can plan a tour with Hemingway in Key West Tours nearby to explore local history and enjoy Key West, making your trip both productive and enjoyable.
Are there convenient nearby dining options to complement a visit to First Horizon Bank?
Yes, you can visit First Flight Island Restaurant & Brewery nearby for a meal or drinks before or after your bank visit.