Business Details
About
BankATMCredit CardsBusiness Banking ServiceMortgage RefinanceCommercial Mortgage LenderConstruction LoansHome Loan ProviderEquity LoansFinancial PlanningFirst Horizon Bank
Welcome to First Horizon Bank - located in Charlotte. 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 - Charlotte, NC - McKee Rd
2432 McKee Road, Charlotte, NC
28270, United States
Hours
Reviews
4.0
18 reviews
5 stars
13
4 stars0
3 stars
1
2 stars0
1 star
4
- RDR DeckerDec 12, 20255.0First Horizon definitely have the Big Bank Convenience with small bank connection! They treat each customer as a family member. We are fortunate to have our Matthews NC branch to have the best Bank Manager with Ms. Whitney Myers. Love our banking relationship!
- BBBob BurnetteNov 26, 20255.0Whitney is wonderful. I now have a real bank with bankers who are helpful and courteous. This bank is expert with businesses and stay on top of lending tactics. I know many clients who stay on top of their business with First Horizon.
- RCRO ContractingSep 15, 20251.0Been banking here 4 years. Probably the worst customer experience across branches in Durham, Winston Salem and Charlotte. Not a single person within the institution can help secure a loan or credit line. If you care about your business, go somewhere else because they couldn’t care less about you here.
- MAmelissa AFeb 11, 20205.0Whitney Myers went above and beyond to help me when I needed bank documents quickly for my home close. This branch is always very friendly and helpful! Very happy client. Thank you for going above and beyond in service.
Frequently Asked Questions About First Horizon Bank - Charlotte, NC - McKee Rd
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 operating hours at First Horizon Bank on McKee Road?
The drive-through is open Monday to Friday from 9:00 AM to 5:00 PM and closed on Saturdays and Sundays.
What is required to open a personal checking account at First Horizon Bank?
You need a $50 minimum opening deposit, your Social Security number, date of birth, and a personal ID such as 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 a banking center to apply in person.
Does First Horizon Bank limit the number of transactions on a personal checking account?
No, there is no limit on the number of transactions with a personal checking account.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans to suit various financial needs.
Can First Horizon Bank assist first-time homebuyers?
Yes, they have several programs including FHA loans with lower down payments, and mortgage specialists to help first-time homebuyers.
What small business loan options are available at First Horizon Bank?
They offer small business term loans, lines of credit, real estate loans, and more. You can speak to a banker to review your options.
Are there any nearby ATMs to the First Horizon Bank branch on McKee Road?
Yes, there is a Bank of America ATM close by for convenient access to banking services.
What nearby places can I visit for beauty and spa services near First Horizon Bank on McKee Road?
You can visit Long Nails & Tanning, Boutique Haven Hair LLC, and My Brow & Lash Threading Studio near the bank for various beauty treatments.
Are there dining options around First Horizon Bank on McKee Road?
Yes, nearby dining includes The One Tapas & Bar, Mundos fusión restaurant, Somi Sushi, Zenshi Handcrafted Sushi, Kabob Hot, Jersey Mike's Subs, and Subway.