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Welcome to First Horizon Bank - located in Yadkinville. 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 - Yadkinville, NC - S State St
200 S State St, Yadkinville, NC
27055, United States
Hours
Reviews
2.5
16 reviews
5 stars
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4 stars
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1 star
9
- BVBelem VargasOct 30, 20251.0If I could leave a review without giving them a star I would. The most horrible and awful bank to deal with. I had money gone from 2 different accounts and they could never understand or pretended that they didn't understand, so they didn't help me. The first time more than $300 the second time $20. The answer is .."you went overdraft" They are useless!!! I had my accounts setup to not go through if it had insufficient funds, so I could never went overdraft. When I bought anything it got subtracted from my balance right away, even if it was pending, so after the purchase I would see my correct balance, but then when more money went in it they took it, and say "It's was to pay for what was pending " how come..if that amount was already taken out from my balance and still had the audacity to say "but you didn't get no overdraft fee" of course not! I never was on the negative. There is two clerks there...a Hispanic and another lady that are really nice but that's it. The lady that opens the accounts..never nice. always looks tired and talks as if she is doing you a favor for free. Seems annoyed. Lady that's your freaking job if you don't like it, go work else where. I closed my accounts and went with another bank, I can't afford to get money stolen. If you have a choice, don't use first horizon. I wish I never had. 11-10-15 I can't believe this bank, it's a total joke. The bank owner answered to my review and gave a phone # to call to "talk more about the matter" so here I go again waisting my time. I call and the guy that spoke to me said there is no "case #" so he said there was nothing he could do about it. Then why the heck give me that phone # . Makes no sense. I also told him about the horrible customer service, well not even that...nothing can be done, not even talking to them about their attitude. Im sorry but your "apologies " doesn't help me one bit
- LRLeon RobbinsSep 29, 20255.0Always friendly. Excellent service.
- DCDeanna CarterSep 18, 20255.0I bank with several banks in the surrounding areas and First Horizon never disappoints.
- SDSeth DavisSep 18, 20255.0Good experience. Never any hassles or issues.
- CCCory CrothersSep 18, 20255.0Easily the best bank around. The staff there are always pleasant. Never A bad experience.
Frequently Asked Questions About First Horizon Bank - Yadkinville, NC - S State 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 in Yadkinville?
The drive-through banking service is available Monday to Friday from 9:00 AM to 5:00 PM and closed on Saturdays and Sundays.
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 in person to apply.
What are the requirements to open a personal checking account at First Horizon Bank?
You need a $50 minimum deposit, Social Security number, date of birth, and a personal ID such as a driver's license or passport.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans to meet various financial needs.
How does First Horizon Bank assist first-time homebuyers?
They offer several programs such as FHA loans with lower down payments and provide mortgage specialists to help find the best options.
What small business loan options are available at First Horizon Bank?
Options include term loans, lines of credit, and real estate loans, with bankers available to discuss and review specific needs.
Are there any nearby dining options by First Horizon Bank in Yadkinville?
Yes, Papa's Pizza To Go is a nearby pizza and buffet restaurant where you can grab a meal before or after visiting the bank.
Where can I find financial advisory services near First Horizon Bank?
Edward Jones - Financial Advisor: Christopher L Funk is close by and can offer personalized financial advice complementary to banking services.
Are there any places nearby where I can get flowers or gifts near First Horizon Bank?
Yes, Polka Dots is a local flowers and gifts shop nearby, great for picking up a gift when visiting the area around the bank.
Does First Horizon Bank provide mobile banking services?
Yes, First Horizon Bank offers mobile banking through their app available on both iOS and Android platforms for convenient access.