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Welcome to First Horizon Bank - located in China Grove. 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 - China Grove, NC - N Main St
200 North Main Street, China Grove, NC
28023, United States
Hours
Reviews
3.0
12 reviews
5 stars
5
4 stars0
3 stars
2
2 stars0
1 star
5
- EMEmily MillerSep 4, 20241.0Called to enquire about a sign up bonus for a checking account I just set up. I exchanged contact info with a representative named Josh who stated he would do some digging and contact me with some answers. No call back.
- HCHolly ChapmanNov 24, 20201.0Trust the overall rating and save yourself from banking here. I should have left a long time ago when I had a bad experience but my new one was finally my last straw. Basically rob you with overdraft fees and their customer service/attitudes are and is not the best it should be.
- JGJon GreeneMay 17, 20185.0I have always had a pleasant experiences when either visiting the counter or drive-thru. The employees have always treated me professionally and friendly as you would expect from a serious hometown bank.
- JYJessica YoungAug 11, 20171.0Went through the second lane drive through this evening an hour before closing, there was only one car ahead of me and 2 in the other lane, the teller was VERY rude didn't say a word to me, made me wait 5 minutes just sitting there to tend to the 2 people who came in AFTER me, she didn't say "hey how are you" or asked how she could help, I had to hit the call teller button to let her know I needed a check cashed then deposited all she said was "okay" when she was finished she gave me the deposit receipt and couldn't even say "have a nice day" or anything, but yet she talked to the people in the first lane no problem, I realize she was probably ready to go home but she still has to talk to the people coming!
Frequently Asked Questions About First Horizon Bank - China Grove, NC - N Main 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 - China Grove, NC?
The drive-through is open Monday to Friday from 9:00 AM to 5:00 PM and closed on weekends.
What do I need to open a personal checking account at First Horizon Bank?
You need a $50 minimum opening deposit, 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 an account online or visit one of the banking centers in person to apply.
What types of mortgage loans does First Horizon offer?
They offer fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans to suit diverse financial needs.
Does First Horizon Bank assist first-time homebuyers?
Yes, they provide programs such as FHA loans and options with lower down payments specifically for first-time homebuyers.
What types of small business loans are available at First Horizon Bank?
Options include term loans, lines of credit, and real estate loans. You can speak with a banker to review all options.
Is there free parking available at the First Horizon Bank branch in China Grove?
Yes, the bank offers free onsite parking including a parking garage, street parking, and parking lot spaces.
Which nearby banks can I find close to First Horizon Bank in China Grove?
Nearby banks include CommunityOne Bank, Wells Fargo Bank, and F&M Bank, providing additional options for banking services.
What local places near First Horizon Bank can I visit for dining and entertainment?
You can visit Grove Cartel Brewing Co. for brewery and bar experiences, Meadow's at Grove Cartel Brewing for burgers and pizza, and Brian's Grill for American cuisine.
Are there wellness and spa services near First Horizon Bank in China Grove?
Yes, nearby options include Shannon's Massage, Magnolia Grove Spa and Wellness Collective, and Kayli Webb LMBT for massage and wellness treatments.