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Welcome to First Horizon Bank - located in Kernersville. 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 - Kernersville, NC - S Main St
1000 South Main St, Kernersville, NC
27284, United States
Hours
Reviews
3.4
8 reviews
5 stars
3
4 stars
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2
- MDMonique DawnAug 19, 20254.0Ashley is so nice and easy to to work with. Always friendly.
- SHSocial HabitMar 30, 20245.0Great bank! super fun to go in and see them , makes you feel good 😊
- EBEugene BlountJul 7, 20235.0My wife and I have been banking with this bank for years. We were glad to see the same friendly faces when the bank changed from SunTrust to First Horizon. The 5-Star customer service we have always received from Ashley Snead, Universal Banker and David Baker, Insurance and Annuities has been exceptional. To illustrate, Ashley made wiring money to our clients an easy process. Moreover, when I needed a new ATM card David made me one right on the spot at the branch. Everyone is always so helpful and friendly making you want to visit the bank. I know it is no easy task to operate a bank. However, you would never know of all the hard work being done in the background because the bank is run flawlessly. The Operations Manager Renee Payton is a superb manager. Her leadership focuses on taking care of her Staff, making her Customer’s experience excellent, and helping her Staff together with her Customers on their banking journey. I give them 5-Stars!
- JPJoey Redmon-Ride Like a Pro-NcJan 8, 20214.0I wasn’t that pleased when Suntrust changed over to First Horizon but we got through it. The weekend they changed over was a nightmare. Still, First Horizon has some improvements that need to be made. Now, that it’s over, let me praise staff member Ashley Sneed. She was there before the switch and she was a valued member then. Now, it’s even more a pleasure to still have her there in Kernersville. Ashley has always been so pleasant and professional in the past, but most recently she assisted me with a small loan. She handled the paperwork for me after I was approved and answered any questions I might of had. She appears to wear many “hats” and is an asset and valued employee. Thank you so much Ashley. Also, to Rebecca in Tennessee who also help me so much on my last financial need. JD
- AJA JDec 8, 20202.0Capital bank was better
Frequently Asked Questions About First Horizon Bank - Kernersville, NC - S 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 operating hours for the drive-through at First Horizon Bank in Kernersville?
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 personal identification 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.
What types of mortgage loans does First Horizon Bank offer?
First Horizon offers fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans to suit various financial needs.
Does First Horizon Bank provide assistance for first-time homebuyers?
Yes, First Horizon offers programs for first-time homebuyers including FHA loans with lower down payment requirements, and mortgage specialists to guide you.
What small business loan options are available at First Horizon Bank?
Options include small business term loans, lines of credit, and real estate loans. You can discuss your needs with a banker to find the best fit.
Is parking available and free at the First Horizon Bank location in Kernersville?
Yes, onsite parking is available including free street parking, parking lot, and parking garage.
Are there convenient places to eat near First Horizon Bank in Kernersville?
Yes, nearby restaurants include Taco Bell, Cook Out, Panera Bread, Denny's, Firehouse Subs, Cold Stone Creamery, and Jimmy John's, perfect for meals before or after your bank visit.
Where can I find additional ATMs near First Horizon Bank in Kernersville?
You can find ATMs nearby such as Bank of America ATM and Wells Fargo ATM for your cash needs.
Are there any convenience stores or gas stations near First Horizon Bank for quick errands?
Yes, nearby options include Exxon & Mobil Stations, Exxon, and 7-Eleven for fuel and convenience items.