First Horizon Bank Announces Extension of Banking Day with 8 p.m. Cut-off for Deposits

First Horizon is Only Area Bank to Offer 12-hour Banking Day with Same-day Processing


MCLEAN, Va., Jan. 30, 2006 (PRIMEZONE) -- First Horizon Bank announced today that all of its full-service financial centers in the Mid-Atlantic region have extended the cut-off time for deposit posting until 8 p.m. Customers will now receive same-day posting on all transactions processed in the financial centers Monday through Friday until 8 p.m. First Horizon is the only area bank to process customer transactions made that late in the day and have the items posted to their accounts at midnight.

Using the latest check-imaging and remote-capture technology, First Horizon employs its network of check scanners to receive, process and transmit check data electronically. With the deposit cut-off extended from 4 p.m. to 8 p.m., area businesses and consumers now experience a longer banking day and more convenience.

"We know that area consumers and businesses need more convenience and service from their banks. Therefore, we are delighted to add same-day deposit processing to our existing 12-hour banking days. We were the first area bank to introduce free ATM usage at all banks' ATMs and longer retail hours until 8 p.m.," said Terrie G. Spiro, regional president of First Horizon Bank. "First Horizon is proud to once again deliver outstanding value to our customers, giving them yet another reason to bank with us."

Additional conveniences offered to all First Horizon account holders include:



 -- Free ATM usage at any bank's ATM
 -- Longer hours of operation: 8 a.m. to 8 p.m. Monday through
    Friday and 9 a.m. to 1 p.m. on Saturdays
 -- Free coin counting
 -- State-of-the-art safe deposit boxes
 -- First Deposit Plus check imaging services
 -- Customer service available in more than 20 languages including
    Spanish, Urdu, Bengali, Hindi, Chinese, Portuguese, Farsi,
    Persian, French and Tagalog.

First Horizon has 17 financial centers located throughout the Washington metropolitan area, including eight full-service financial centers in Arlington, Centreville, two in Fairfax, Falls Church, McLean, Reston and Vienna. In addition to the eight full-service financial centers, First Horizon has nine retail operations within the First Horizon Home Loans offices in Alexandria, Ashburn, Bethesda, Fairfax, Fredericksburg, Manassas, Owings Mills, Timonium and Severna Park.

For more information about First Horizon locations, features and promotions, call (703) 394-2500 or visit www.firsthorizon.com.

First Horizon offers a unique approach to banking by offering All Things Financial to consumers, small businesses and corporate clients, including:



 -- Commercial lending
 -- Treasury management
 -- Commercial real estate and home loans
 -- Private banking
 -- Insurance and investments
 -- Financial planning
 -- Trust services
 -- Merchant card services
 -- Retail banking with extended hours of operation
 -- Check imaging service for businesses

About First Horizon

First Horizon Bank is part of First Horizon National Corp. (NYSE:FHN), whose 13,000 employees provide financial services to individuals and business customers through hundreds of offices located in more than 40 states. The corporation's three major brands -- FTN Financial, First Horizon and First Tennessee -- provide customers with a broad range of products and services including:


 --  Capital markets, one of the nation's top underwriters of U.S.
     government agency securities
 --  Mortgage banking, one of the nation's top 20 mortgage originators
     and top 15 servicers, which earned a top-10 ranking in customer
     satisfaction from J.D. Power and Associates
 --  Retail/commercial banking, with the largest market share in Tennessee
     and one of the highest customer retention rates of any bank in the
     country.

FHN companies have been recognized as some of the nation's best employers by AARP, Working Mother and Fortune magazines. FHN also was named one of the nation's 100 best corporate citizens by Business Ethics magazine.



            

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