I secured a loan to pay for a property I bought in Garrett County Maryland. First Horizon became First Tennessee and the service went into the toilet from there. I couldn't pay my mortgage payment on line unless I opened up a checking account with First Tennessee. I don't live anywhere near the great state of Tennessee or any of their branches. And since I had an account with another bank, I had to either write a check and mail it or make a phone payment. The phone payment allowed them to steal another $15.00 from me as a "lack-of-service" fee. Service was non-existent and trying to log in to my account was ridiculous. It would prompt me for my account number and then it would say this is an invalid account number so now I had to make a payment by phone using the same invalid account number. They eventually went to on-line banking and allowed people to pay their mortgage using an outside account. They are way behind the times as far as technology, service and common sense. Go with another bank if you can. First Horizon was just a cover for First Tennessee. I finally got fed up to the point that I refinanced my house and added the property to my mortgage just so I could kick First Tennessee to the curb. Best decision I ever made.