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Welcome to First Horizon Bank - located in St. Petersburg. 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 - St Petersburg, FL - 4th St N
500 4th Street North, St. Petersburg, FL
33701, United States
Hours
Reviews
4.4
12 reviews
5 stars
10
4 stars0
3 stars0
2 stars
1
1 star
1
- SSSpencer SchwartzSep 5, 20255.0This bank rocks! Extremely friendly and helpful. I wish this was my local branch. Great staff and energy here!
- BGBrian GonzalezAug 26, 20255.0Diane is the best! Most friendly and attentive bank teller ive had the pleasure of banking with
- JWJas WeigtNov 18, 20205.0Free business checking, plus they give you a personal account (you don't need a prior relationship to avoid fees). Set up was easy by appointment with Lisa, and while I wish they printed cards on site (I have to wait 7 days to get mine in the mail), so far I'm having a good experience with this bank for my new business. If that changes, I'll update my review, but right now I'm happy with my choice. Found them listed on NerdWallet.
- AGApril GillmoreJan 23, 20195.0Normally I would never take the time to stop and leave a bank an online review, but the service I receive at this branch is nothing short of exceptional. Donna goes above and beyond to handle any support requests that I've had in a timely and professional manner. She's helpful, knowledgable and attentive. Everyone at the branch is friendly and accommodating. If you're tired of dealing with lackluster customer service from your bank, move your money here.
- TIT. Bullitt McCoun IVJul 23, 20185.0I have been banking at the Downtown St. Petersburg Iberia Bank location for 3+ years. I have worked extensively with Donna Bailey who I have found to be incredibly professional and helpful to my business. She goes above and beyond to help my business and me personally with all banking matters. She does a great job and makes my banking needs easy!
Frequently Asked Questions About First Horizon Bank - St Petersburg, FL - 4th St N
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 regular business hours for First Horizon Bank at 500 4th Street North?
The bank is open Monday through Thursday from 9:00 AM to 4:00 PM, and on Friday from 9:00 AM to 5:00 PM. It is closed on Saturdays and Sundays.
When is the drive-through service available at this First Horizon Bank location?
Drive-through service is available Monday through Friday from 8:00 AM to 5:00 PM, and is closed on weekends.
Can I open a personal checking account online with First Horizon Bank?
Yes, you can open a personal checking account online or visit one of their banking centers to apply in person.
What documents are required to open a personal checking account at First Horizon Bank?
You will need a $50 minimum opening deposit, your Social Security number, date of birth, and personal identification such as a driver’s license, passport, or state-issued ID.
What mortgage loan options does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans tailored to diverse financial needs.
Does First Horizon Bank provide assistance for first-time homebuyers?
Yes, they offer programs designed to assist first-time homebuyers, including FHA loans and options with lower down payments. Mortgage specialists are available to help you explore the best fit.
What types of small business loans are available through First Horizon Bank?
They offer small business term loans, lines of credit, and real estate loans. Customers can consult a banker to explore the options based on their needs.
What nearby dining options are recommended around First Horizon Bank in Downtown St. Petersburg?
Nearby restaurants include Fado Portuguese Cuisine, Sake 23 (Asian cuisine), and Souzou (sushi). Perfect spots for meals before or after your banking visit.
Are there other financial institutions near First Horizon Bank at 500 4th Street North?
Yes, IBERIABANK is located nearby, providing alternative banking services if needed.
What nearby health and wellness services can I visit after my banking appointment?
You can visit Pura Vida Wellness Spa and Massage Studio for spa or massage treatments, or St. Petersburg Behavioral Healthcare for counseling and medical care.