First Horizon

First Horizon Corporation is a Fortune 500 financial services holding company headquartered in Memphis, Tennessee. Through First Horizon Bank it provides commercial, private, consumer, and mortgage banking, wealth management, and capital markets services across the southern United States. First Horizon operates a real API Banking developer portal for Treasury Management clients, exposing RESTful products for money movement, ACH origination, real-time account information, and routing-number lookups, secured with OAuth 2.0 and a sandbox for build-and-test integration. Onboarding is partner/relationship gated and no OpenAPI/Swagger specifications are publicly downloadable — this repository captures the documented API surface honestly, humanURL-only.

First Horizon publishes 5 APIs on the APIs.io network. Tagged areas include United States, Banking, Financial-Services, Treasury Management, and API Banking.

First Horizon’s developer surface includes documentation, authentication, and 29 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.4/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

5 APIs

United States Banking Financial-Services Treasury ManagementAPI BankingACH Payments Open Banking Super-Regional Bank Fortune 500 Wealth Management Capital Markets

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 11.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.6 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 1.9 / 10

Discoverability 6.1 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/first-horizon: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Move Money Transfer v1

Move Money Transfer is First Horizon's RESTful payments-initiation API for Treasury Management clients, used to originate and manage funds transfers programmatically from an ERP...

ACH Origination

The ACH Origination API lets First Horizon Treasury Management clients originate ACH transactions directly from their ERP or accounting system via a RESTful interface, paired wi...

Account Information

The Account Information API provides Treasury Management clients real-time visibility into account information, balances, and transactions through a RESTful interface, for recon...

ABA Lookup v1

ABA Lookup is a RESTful utility endpoint on First Horizon's API Banking platform that validates and resolves U.S. ABA routing transit numbers, supporting payment-instruction val...

BIC Lookup v1

BIC Lookup is a RESTful utility endpoint on First Horizon's API Banking platform that validates and resolves SWIFT/BIC codes, supporting the validation of international payment ...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

First Horizon Authentication

oauth2 · 1 scheme

SECURITY

First Horizon Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

SecurityCenter

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

PressReleases

PressReleases

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyCenter

PrivacyCenter

Company 6

The organization behind the API

AboutUs

AboutUs

InvestorRelations

Newsroom

Careers

Website

LinkedIn

Other 14

Properties that don't map to a standard resource type

Personal

SmallBusiness

Commercial

WealthManagement

TreasuryManagement

CapitalMarkets

SECFilings

AggregatorPlaid

AggregatorMX

AggregatorFinicity

AggregatorAkoya

FDXStandard

CFPB1033Rule

ProductPage

Scroll for all 14

Source (apis.yml)

aid: first-horizon
name: First Horizon
kind: company
type: Index
description: First Horizon Corporation is a Fortune 500 financial services holding company headquartered in Memphis, Tennessee.
  Through First Horizon Bank it provides commercial, private, consumer, and mortgage banking, wealth management, and capital
  markets services across the southern United States. First Horizon operates a real API Banking developer portal for Treasury
  Management clients, exposing RESTful products for money movement, ACH origination, real-time account information, and routing-number
  lookups, secured with OAuth 2.0 and a sandbox for build-and-test integration. Onboarding is partner/relationship gated and
  no OpenAPI/Swagger specifications are publicly downloadable — this repository captures the documented API surface honestly,
  humanURL-only.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: partner
  trial: false
  try_now: false
  public: false
  label: Partner onboarding · Treasury API Banking (sandbox + OAuth2)
  confidence: medium
  source:
  - developer-portal
  generated: '2026-07-23'
  method: researched
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/first-horizon.png
access: 3rd-Party
created: '2026-05-04'
modified: '2026-07-23'
position: Consuming
tags:
- United States
- Banking
- Financial-Services
- Treasury Management
- API Banking
- ACH
- Payments
- Open Banking
- Super-Regional Bank
- Fortune 500
- Wealth Management
- Capital Markets
tags_raw:
- United States
- Banking
- Financial Services
- Treasury Management
- API Banking
- ACH
- Payments
- Open Banking
- Super-Regional Bank
- Fortune 500
- Wealth Management
- Capital Markets
url: https://raw.githubusercontent.com/api-evangelist/first-horizon/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: first-horizon:move-money-transfer-v1
  name: Move Money Transfer v1
  description: Move Money Transfer is First Horizon's RESTful payments-initiation API for Treasury Management clients, used
    to originate and manage funds transfers programmatically from an ERP, accounting, or treasury platform. Requests are authorized
    with OAuth 2.0 access tokens and can be exercised in the portal sandbox before promotion to a live customer environment.
    No public OpenAPI specification is downloadable; the endpoint is documented in HTML on the API Banking developer portal.
  humanURL: https://developers-test.firsthorizon.com/apis/v1/movemoney/transfer
  tags:
  - Payments
  - Money Movement
  - Treasury Management
  - United States
  properties:
  - type: Documentation
    url: https://developers-test.firsthorizon.com/apis/v1/movemoney/transfer
  - type: Authentication
    url: https://developers-test.firsthorizon.com/apis/v0/oauth
  - type: DeveloperPortal
    url: https://developers-test.firsthorizon.com/
- aid: first-horizon:ach-origination
  name: ACH Origination
  description: The ACH Origination API lets First Horizon Treasury Management clients originate ACH transactions directly
    from their ERP or accounting system via a RESTful interface, paired with an ACH Tokenization Solution that replaces sensitive
    bank account numbers with tokens to support security and NACHA compliance. Authorized with OAuth 2.0 and available in
    a sandbox for build-and-test. Documented in HTML on the developer portal; no public OpenAPI specification is downloadable.
  humanURL: https://developers-test.firsthorizon.com/solutions/ach-tokenization
  tags:
  - ACH
  - Payments
  - Tokenization
  - NACHA
  - United States
  properties:
  - type: Documentation
    url: https://developers-test.firsthorizon.com/solutions/ach-tokenization
  - type: Authentication
    url: https://developers-test.firsthorizon.com/apis/v0/oauth
  - type: DeveloperPortal
    url: https://developers-test.firsthorizon.com/
- aid: first-horizon:account-information
  name: Account Information
  description: The Account Information API provides Treasury Management clients real-time visibility into account information,
    balances, and transactions through a RESTful interface, for reconciliation and cash-position workflows inside a client's
    own platform. Authorized with OAuth 2.0 and exercisable in the portal sandbox. Documented in HTML on the API Banking developer
    portal; no public OpenAPI specification is downloadable.
  humanURL: https://developers-test.firsthorizon.com/get-started
  tags:
  - Account Information
  - Balances
  - Transaction
  - Open Banking
  - United States
  tags_raw:
  - Account Information
  - Balances
  - Transactions
  - Open Banking
  - United States
  properties:
  - type: Documentation
    url: https://developers-test.firsthorizon.com/get-started
  - type: Authentication
    url: https://developers-test.firsthorizon.com/apis/v0/oauth
  - type: DeveloperPortal
    url: https://developers-test.firsthorizon.com/
- aid: first-horizon:aba-lookup-v1
  name: ABA Lookup v1
  description: ABA Lookup is a RESTful utility endpoint on First Horizon's API Banking platform that validates and resolves
    U.S. ABA routing transit numbers, supporting payment-instruction validation ahead of ACH and wire origination. Authorized
    with OAuth 2.0. Documented in HTML on the developer portal; no public OpenAPI specification is downloadable.
  humanURL: https://developers-test.firsthorizon.com/apis/v1/lookups/aba
  tags:
  - Lookups
  - Routing Numbers
  - Payments
  - United States
  properties:
  - type: Documentation
    url: https://developers-test.firsthorizon.com/apis/v1/lookups/aba
  - type: Authentication
    url: https://developers-test.firsthorizon.com/apis/v0/oauth
  - type: DeveloperPortal
    url: https://developers-test.firsthorizon.com/
- aid: first-horizon:bic-lookup-v1
  name: BIC Lookup v1
  description: BIC Lookup is a RESTful utility endpoint on First Horizon's API Banking platform that validates and resolves
    SWIFT/BIC codes, supporting the validation of international payment instructions. Authorized with OAuth 2.0. Documented
    in HTML on the developer portal; no public OpenAPI specification is downloadable.
  humanURL: https://developers-test.firsthorizon.com/apis/v1/lookups/bic
  tags:
  - Lookups
  - Swift
  - BIC
  - International Payments
  - United States
  tags_raw:
  - Lookups
  - SWIFT
  - BIC
  - International Payments
  - United States
  properties:
  - type: Documentation
    url: https://developers-test.firsthorizon.com/apis/v1/lookups/bic
  - type: Authentication
    url: https://developers-test.firsthorizon.com/apis/v0/oauth
  - type: DeveloperPortal
    url: https://developers-test.firsthorizon.com/
common:
- type: AboutUs
  url: https://www.firsthorizon.com/About-Us
- type: Personal
  url: https://www.firsthorizon.com/Personal
- type: SmallBusiness
  url: https://www.firsthorizon.com/Small-Business
- type: Commercial
  url: https://www.firsthorizon.com/Commercial-Banking
- type: WealthManagement
  url: https://www.firsthorizon.com/Wealth-Management
- type: TreasuryManagement
  url: https://www.firsthorizon.com/Commercial-Banking/Treasury-Management
- type: CapitalMarkets
  url: https://www.fhnfinancial.com/
- type: InvestorRelations
  url: https://ir.firsthorizon.com
- type: Newsroom
  url: https://newsroom.firsthorizon.com
- type: PressReleases
  url: https://newsroom.firsthorizon.com/news-releases
- type: Careers
  url: https://www.firsthorizon.com/Careers
- type: PrivacyCenter
  url: https://www.firsthorizon.com/Privacy
- type: SecurityCenter
  url: https://www.firsthorizon.com/Security
- type: GitHubOrganization
  url: https://github.com/First-horizon
- type: SECFilings
  url: https://ir.firsthorizon.com/financial-information/sec-filings
- type: AggregatorPlaid
  url: https://plaid.com/institutions/
- type: AggregatorMX
  url: https://www.mx.com/
- type: AggregatorFinicity
  url: https://www.finicity.com/
- type: AggregatorAkoya
  url: https://akoya.com/
- type: FDXStandard
  url: https://financialdataexchange.org/
- type: CFPB1033Rule
  url: https://www.consumerfinance.gov/personal-financial-data-rights/
- type: DomainSecurity
  url: security/first-horizon-domain-security.yml
- type: Website
  url: https://www.firsthorizon.com
- type: DeveloperPortal
  url: https://developers-test.firsthorizon.com/
- type: Documentation
  url: https://developers-test.firsthorizon.com/get-started
- type: ProductPage
  url: https://www.firsthorizon.com/Corporate/Products-and-Services/Treasury-Management/API-Banking-Solutions
- type: Authentication
  url: https://developers-test.firsthorizon.com/apis/v0/oauth
- type: LinkedIn
  url: https://www.linkedin.com/company/first-horizon-bank
- type: Authentication
  url: authentication/first-horizon-authentication.yml
- type: Conformance
  url: conformance/first-horizon-conformance.yml
- type: LLMsTxt
  url: llms/first-horizon-llms.txt
maintainers:
- FN: API Evangelist
  email: kin@apievangelist.com
  url: https://apievangelist.com

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