How to Import First Horizon Transactions into QuickBooks

Short answer: First Horizon supports QuickBooks two ways. Direct Connect links the bank to QuickBooks directly and First Horizon describes it as a complimentary service. OFX Web Connect gives you a downloadable .QBO file, but the bank states it is available to BusinessConnect and TreasuryConnect clients who have been granted the appropriate user entitlements by a business administrator. If you are outside those platforms, or you are a bookkeeper working from a forwarded statement, convert the First Horizon statement PDF to a QBO file and import it under Transactions, Bank transactions, Upload from file in QuickBooks Online, or File, Utilities, Import, Web Connect Files in Desktop.

First Horizon is a big Southern regional bank, headquartered in Memphis with a footprint across Tennessee, the Carolinas, Florida, Texas, and the Gulf states, and it has a genuinely good QuickBooks story compared to its peers. It also has a gate that trips up exactly the people who do the accounting.

The three ways First Horizon data reaches QuickBooks

Direct Connect. The bank-to-software link. You enter your First Horizon banking credentials in QuickBooks, the bank authorizes the connection, and transactions flow in. First Horizon presents this as a complimentary service, which puts it in a shrinking group of banks. Comerica prices its QuickBooks connection at $10.95 a month. M&T and Regions charge too. Eastern Bank is switching Direct Connect off entirely on July 31, 2026. First Horizon still gives it away, and if you can use it, use it.

OFX Web Connect. The manual download: you pull a .QBO file from the bank and import it into QuickBooks. First Horizon is specific about who gets it. OFX Web Connect is available to BusinessConnect and TreasuryConnect clients, and to use it you must be enrolled in one of those services, be granted the appropriate user entitlements by a business administrator, and configure the software. That is three conditions, and any one of them can be the reason the download button you read about is not on your screen.

The statement PDF. The path that needs nothing. Every First Horizon account produces a monthly statement, everyone who touches the account can get one, and converting it produces the same .QBO file the bank would have handed you.

Which path fits which person

Importing a .QBO file into QuickBooks Online

Open Transactions, then Bank transactions. Choose the account, open the Link account dropdown, and pick Upload from file. Select the .QBO, confirm which First Horizon account it maps to, and the transactions land in the For review tab ready to categorize. Two limits are worth knowing before you upload a busy year: QuickBooks Online caps a single upload at 1,000 transactions and 350 KB, so a heavy commercial account may need splitting by month or quarter. The detail is in how many transactions you can import into QuickBooks at once.

Importing a .QBO file into QuickBooks Desktop

Use File, Utilities, Import, Web Connect Files on older versions, or File, Import, From Web Connect on newer ones. QuickBooks asks which account to attach the file to; pick carefully, because attaching a file to the wrong account is a slow thing to unwind. Desktop reads .qbo and nothing else on this path, so a CSV or a PDF will not open here no matter what you rename it.

Avoiding duplicate First Horizon transactions

First Horizon gives one piece of advice that deserves more attention than it usually gets: note your last successful upload, because duplicate transactions can occur if you have overlapping transaction dates in the new download. QuickBooks does try to catch duplicates on Web Connect imports, matching on amount, date, and reference number, but a bank that re-words a description or shifts a posting date by a day will slip past the check.

The fix takes fifteen seconds. Before importing, open the register, find the newest transaction that came from the bank, and set the new download to start the day after it. If duplicates do land, exclude them from the For review tab rather than deleting entries you have already reconciled.

When there is no download button

This is the situation the bank's help pages do not really cover, and it is the most common one in practice. The bookkeeper has the statement, not the login. The owner is on personal or small-business online banking, not BusinessConnect. The controller's administrator is out and the entitlement request is sitting in a queue. The account was closed last year and there is nothing left to log in to.

In all four cases the input you actually possess is a PDF, and QuickBooks cannot read a PDF. Convert it. Upload the statement to the First Horizon statement to QBO converter, choose QBO as the output, and import the file the same way you would import one from the bank. Dates, descriptions, and signed amounts come across intact, and debits land negative so the register reconciles to the statement balance. If the destination is a spreadsheet rather than QuickBooks, the same upload produces XLSX or CSV through the bank statement PDF to Excel converter. If you already have a CSV export and only need it in Web Connect form, a dedicated tool that rewrites a spreadsheet into a QuickBooks import file handles that one step.

A note on relying on any bank connection

First Horizon's Direct Connect being free is genuinely good news, and it is also a snapshot of July 2026. The trend across the industry runs the other way: banks are pricing these connections, gating them behind commercial platforms, or retiring them, and Intuit retiring its desktop products is accelerating all three. See which banks charge for QuickBooks Direct Connect and which banks are discontinuing it for where the market currently stands.

None of that touches the statement. It arrives every month, it belongs to you, no administrator gates it, and it reaches back years after the feed for that account has been switched off. Build the monthly routine on the connection while it lasts, and know that the fallback is one upload away when it does not.

Last updated July 2026. Bank connection methods, fees, and platform requirements change; confirm current details with First Horizon.