Business Details
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Welcome to First Horizon Bank - located in Ringgold. 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
- Drive-throughAvailable
- Onsite servicesAvailable
- Free parking lotAvailable
Location
First Horizon Bank - Ringgold, GA - Alabama Hwy
5038 Alabama Highway, Ringgold, GA
30736, United States
Hours
Reviews
3.5
21 reviews
5 stars
12
4 stars0
3 stars
2
2 stars0
1 star
7
- JWJAMES WATSONJun 6, 20255.0Very nice people.
- EHEric HawkinsMay 23, 20241.0POOR customer service and they close at 4:00 during the week. Who closes that early?? It’s 3:26 pm, the bank is empty except for 3 employees and a security guard. I ask the teller to do a wire transfer. The teller tells me so and so is off today and the other person who can do a wire transfer is busy filling the ATM. I tell the teller I can wait…she looks at her watch and says “ooooooh it’s 3:26 and we close at 4:00 you can come back tomorrow or go to the East Brainerd branch”.
- CBCat BirdMay 15, 20195.0First Tennessee Bank never disappoints. I've been an account holder for over 12 yrs and their stellar customer service is why I stay with them. Whether by phone or in person, their agents are always knowledgeable, courteous & efficient. For example: I've misplaced my debit card several times over the years & all it took was a phone call to cancel it & then to visit any of their physical branches to have a new one issued immediately, and no additional charges. They will mail a new card if you want, but picking one up was faster. On the few occasions that there have been suspicious activity on my account, it is quickly & courteously rectified. I originally chose First TN b/c their physical locations were open later & on Saturday's. Their hrs have changed, however with their new ATM's at each locations, cash deposits are immediately credited & there are no forms or envelopes to bother with. Same day check deposits are credited at midnight if you deposit them by 9 pm. I use their online mobile app frequently & find it very handy & user friendly. It also has lots of added features like budgeting, scheduled bill pay & spending tracking.
- RORayhan OranDec 25, 20173.0It's okay
Frequently Asked Questions About First Horizon Bank - Ringgold, GA - Alabama Hwy
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 hours at First Horizon Bank in Ringgold, GA?
The drive-through at First Horizon Bank in Ringgold is open Monday to Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 6:00 PM, Saturday from 9:00 AM to 1:00 PM, and closed on Sundays.
What do I need to open a personal checking account at First Horizon Bank?
To open a personal checking account, you need a $50 minimum opening deposit, your Social Security number, date of birth, and personal identification like a driver’s license or passport.
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 the banking centers to apply in person.
What types of mortgage loans does First Horizon Bank offer?
First Horizon Bank offers 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 like FHA loans with lower down payment options, supported by mortgage specialists.
What types of small business loans are available at First Horizon Bank?
Small business loans at First Horizon include term loans, lines of credit, and real estate loans. Talking to a banker can help you identify the best option.
Is there wheelchair accessibility and free parking available at First Horizon Bank in Ringgold?
Yes, the bank has wheelchair-accessible entrances as well as free onsite parking including parking garages, street, and lot parking.
Are there any nearby grocery stores if I want to shop before or after visiting First Horizon Bank?
Yes, Ingles Markets and Ingles Supermarket are nearby grocery stores where customers can shop conveniently around their banking visit.
Where can I find nearby financial services or other banks around First Horizon Bank in Ringgold?
Nearby financial institutions include First Tennessee Bank, FirstBank, Northwest Georgia Bank, Wells Fargo Bank, Builtwell Bank, and First Volunteer Bank for additional banking options.
Are there convenient nearby dining options close to First Horizon Bank in Ringgold?
Yes, nearby dining options include Se Senor Mexican Restaurant and Little Caesars Pizza, great for grabbing a meal before or after your bank visit.