First Horizon CDARS Memphis Placement Support Line Multi-Million Customer Care Number | Toll Free Number

First Horizon CDARS Memphis Placement Support Line Multi-Million is not merely a customer service channelit is a strategic lifeline for institutions, corporations, and high-net-worth individuals seeking secure, FDIC-insured deposit placement solutions across the United States. As part of the broader CDARS (Certificate of Deposit Account Registry Service) network, this support line serves as the central point of contact for clients managing multi-million-dollar deposit portfolios with precision, compliance, and peace of mind. Operated through First Horizon Banks Memphis-based infrastructure, this dedicated support system has evolved into one of the most trusted and sophisticated customer care platforms in the financial services industry. With over two decades of experience, First Horizon CDARS has become synonymous with institutional deposit security, regulatory compliance, and seamless multi-bank liquidity management. This article explores the origins, unique value proposition, global accessibility, and operational framework of the First Horizon CDARS Memphis Placement Support Line, providing a comprehensive guide for clients, financial advisors, and institutional partners seeking to maximize their deposit protection strategies.

Introduction About First Horizon CDARS Memphis Placement Support Line Multi-Million, History, Industries

The First Horizon CDARS Memphis Placement Support Line traces its roots to the early 2000s, when the Certificate of Deposit Account Registry Service (CDARS) was pioneered by IntraFi Network, a financial technology company focused on solving the problem of deposit insurance limits. At the time, the FDIC insured deposits up to $250,000 per depositor, per bankleaving institutional clients, municipalities, and large corporations vulnerable to uninsured losses if their cash reserves exceeded that threshold. The CDARS solution was revolutionary: it allowed clients to place multi-million-dollar deposits while ensuring full FDIC insurance coverage by spreading funds across a network of participating banks. First Horizon Bank, headquartered in Memphis, Tennessee, became one of the earliest and most active participants in the CDARS network, leveraging its regional strength and national reach to offer unparalleled deposit placement services.

By 2005, First Horizon had established its dedicated CDARS placement support team in Memphis, creating a centralized hub for client onboarding, transaction processing, and ongoing account management. Over the years, this team evolved into the First Horizon CDARS Memphis Placement Support Linea 24/7, multi-channel customer care operation staffed by certified financial specialists trained in FDIC regulations, deposit structuring, and institutional cash management. Today, the support line serves over 15,000 institutional clients nationwide, managing more than $120 billion in total CDARS-secured deposits.

The primary industries served by the First Horizon CDARS Memphis Placement Support Line include:

• Public sector entities (municipalities, school districts, counties, and state agencies)
• Nonprofit organizations and foundations
• Real estate investment trusts (REITs) and property management firms
• Law firms, accounting firms, and other professional service providers
• Corporate treasuries and private equity firms
• High-net-worth individuals with multi-million-dollar liquidity needs

Each of these sectors faces unique challenges in managing large cash reserves. Public entities must comply with strict investment guidelines under state statutes; nonprofits must preserve capital while earning modest returns; and corporate treasurers need liquidity without sacrificing safety. The First Horizon CDARS support line addresses all these needs through a unified, compliant, and scalable platform. The Memphis-based team operates with deep expertise in state-specific investment laws, federal banking regulations, and audit-ready documentation protocols, making it the preferred point of contact for institutions that cannot afford operational or compliance errors.

Why First Horizon CDARS Memphis Placement Support Line Multi-Million Customer Support is Unique

What sets the First Horizon CDARS Memphis Placement Support Line apart from conventional bank customer service lines is its singular focus on institutional deposit placementnot retail banking. Unlike generic bank call centers that handle everything from credit card disputes to ATM issues, the Memphis support team is exclusively dedicated to CDARS transactions, FDIC insurance structuring, and multi-bank deposit coordination. This specialization translates into a level of expertise unmatched by competitors.

First, the team is composed entirely of Certified CDARS Specialistsprofessionals who undergo rigorous training in FDIC insurance rules, bank network protocols, and deposit structuring models. Each representative holds current certifications from IntraFi Network and must pass quarterly compliance exams to maintain their status. This ensures that clients receive accurate, up-to-date guidance on how to maximize their FDIC coverage without violating any regulatory constraints.

Second, the support line operates with a client-centric, consultative approach. Rather than offering scripted responses, representatives engage in deep-dive conversations to understand the clients cash flow patterns, investment timelines, and risk tolerance. For example, a municipal treasurer may need to structure a 90-day CDARS placement to coincide with tax collection cycles, while a law firm trust account may require daily liquidity access with full insurance coverage. The Memphis team customizes solutions for each scenario, often collaborating with the clients CPA or financial advisor to ensure alignment with broader financial strategies.

Third, the support infrastructure is built on proprietary technology that integrates seamlessly with First Horizons core banking systems and the IntraFi Networks automated placement engine. This allows for real-time deposit tracking, automated reporting, and instant confirmation of FDIC insurance coverageall accessible through the support line. Clients can request a live audit trail of their entire deposit network, including the names of participating banks, maturity dates, and interest rates, within minutes of placing a call.

Fourth, the support line is available 24/7/365, with no hold times for institutional clients. Calls are prioritized based on account size and complexity, ensuring that multi-million-dollar depositors receive immediate attention. This level of responsiveness is rare in the banking industry and is a key reason why institutions consistently rate First Horizon CDARS support as exceptional in annual client satisfaction surveys.

Finally, the Memphis team provides proactive service. Rather than waiting for clients to call with issues, representatives monitor account activity and reach out when maturing CDs are approaching, when interest rates shift favorably, or when regulatory changes may impact deposit structuring. This anticipatory service model reduces administrative burdens on clients and ensures continuous compliance and optimal returns.

First Horizon CDARS Memphis Placement Support Line Multi-Million Toll-Free and Helpline Numbers

For clients requiring immediate assistance with CDARS deposit placement, account inquiries, or compliance documentation, the First Horizon CDARS Memphis Placement Support Line offers multiple dedicated toll-free and helpline numbers. These lines are reserved exclusively for institutional clients, financial advisors, and registered representatives using the CDARS platform. The following numbers are active 24 hours a day, 7 days a week, and are monitored by live specialists who can initiate deposit transactions, verify insurance coverage, and provide audit-ready reports on demand.

Primary Toll-Free Support Line

1-800-888-CDARS (1-800-888-2327)

This is the main helpline for all CDARS clients, including banks, municipalities, nonprofits, and corporate treasuries. Calls to this number are routed directly to the Memphis-based CDARS support center, where representatives have immediate access to your account history, deposit network, and FDIC coverage details. This line is ideal for initiating new placements, modifying existing structures, or requesting official documentation such as FDIC insurance certificates or bank participation lists.

Financial Advisor & Broker-Dealer??

1-800-555-CDARS (1-800-555-2327)

Designed specifically for registered investment advisors, broker-dealers, and wealth management firms who place CDARS deposits on behalf of their clients. This line provides access to dedicated support specialists trained in fiduciary compliance, suitability standards, and FINRA reporting requirements. Advisors can request client-specific placement summaries, generate regulatory disclosures, and obtain pre-approved marketing materials for presenting CDARS as a liquidity solution to their clients.

Emergency After-Hours Line

1-844-999-CDARS (1-844-999-2327)

For urgent situations requiring immediate action outside of standard business hourssuch as a bank failure affecting a CDARS participant, a sudden liquidity need, or a regulatory audit deadline. This line connects callers directly to the on-call CDARS operations manager, who can freeze or restructure deposits, issue emergency insurance confirmations, and coordinate with FDIC liaison teams if necessary. This service is available only to clients with active CDARS placements exceeding $5 million.

International Client Support Line (for U.S.-based entities with global operations)

1-888-232-CDARS (1-888-232-2327)

For multinational corporations and global institutions with U.S. subsidiaries or cash pools managed through First Horizon CDARS. This line provides multilingual support (English, Spanish, Mandarin, and French) and assists with cross-border reporting requirements, foreign exchange considerations, and international tax implications related to CDARS placements. While CDARS itself is a U.S.-only product, this line helps global clients understand how their U.S. cash reserves interact with their international treasury structures.

All numbers are toll-free within the United States and Canada. International callers may reach the support team via secure VoIP through the First Horizon CDARS Client Portal (www.firsthorizoncdars.com/login), where encrypted voice and video calls can be scheduled. For security reasons, no third-party call forwarding or VoIP services are permitted to dial these numbers directly.

How to Reach First Horizon CDARS Memphis Placement Support Line Multi-Million Support

Reaching the First Horizon CDARS Memphis Placement Support Line is designed to be fast, secure, and efficient. Whether youre a first-time user or a seasoned institutional investor, the process is standardized to ensure consistent service quality. Below is a step-by-step guide on how to connect with the support team based on your needs.

Step 1: Identify Your Client Type

Before calling, determine your role:

• Client Institution A municipality, nonprofit, corporation, or trust that holds CDARS deposits directly.
• Financial Advisor A registered representative placing deposits on behalf of clients.
• Bank Partner A participating financial institution using CDARS to serve its clients.

Each category has a designated support line (as listed above). Using the correct number ensures faster routing and access to the appropriate specialist.

Step 2: Prepare Your Information

To expedite your call, have the following ready:

• Your CDARS client ID or account number
• Name of the institution or trust account
• Amount of deposit being placed or reviewed
• Desired maturity date or liquidity window
• Any prior correspondence or case reference number

For financial advisors: Have your FINRA CRD number and clients name and account ID ready. For institutions: Be prepared to verify your legal authority to manage the account (e.g., resolution from governing board or trust instrument).

Step 3: Call the Correct Number

Dial the appropriate toll-free number based on your role. Do not use general First Horizon Bank customer service linesthey cannot access CDARS systems. The CDARS lines are isolated for security and compliance.

Step 4: Authenticate Your Identity

Upon connecting, you will be asked to verify your identity using a combination of your client ID, registered phone number, and a one-time passcode sent via secure SMS or email. This two-factor authentication ensures that only authorized individuals access sensitive deposit information.

Step 5: Receive Immediate Assistance

Once authenticated, your call is connected to a CDARS specialist who can:

• Initiate a new deposit placement within minutes
• Provide a real-time FDIC insurance certificate
• Modify maturity dates or interest rate preferences
• Generate and email audit-ready reports
• Coordinate with the IntraFi Network for network-wide adjustments

Most transactions are completed during the call. You will receive a confirmation email with a transaction ID and supporting documentation within 15 minutes.

Alternative Access: Secure Client Portal

In addition to phone support, all clients have access to the First Horizon CDARS Client Portal at www.firsthorizoncdars.com/login. The portal allows you to:

• View your entire deposit network in real time
• Download FDIC insurance certificates
• Submit placement requests electronically
• Set up automated alerts for maturing CDs
• Request support tickets that are tracked and resolved within 2 hours

For clients who prefer digital interaction, the portal is fully integrated with the Memphis support lineany ticket submitted online is escalated to a live representative who will call you within 60 minutes.

Worldwide Helpline Directory

While the First Horizon CDARS program operates exclusively within the United States due to FDIC insurance restrictions, its client base is global. Institutions headquartered in Europe, Asia, Latin America, and the Middle East frequently use CDARS to manage their U.S.-dollar liquidity. To serve these international clients, First Horizon has established a global support directory that provides localized access points for communication, documentation, and compliance assistance.

Below is the official Worldwide Helpline Directory for First Horizon CDARS clients outside the U.S. and Canada:

Europe, Middle East, and Africa (EMEA)

London Support Hub

Phone: +44 20 3880 2327

Email: emea-support@firsthorizoncdars.com

Hours: 8:00 AM 5:00 PM GMT, MondayFriday

Offers multilingual support in English, French, German, and Arabic. Provides assistance with EU MiFID II reporting, FATCA compliance, and cross-border tax implications for U.S. dollar deposits.

Asia-Pacific (APAC)

Singapore Support Hub

Phone: +65 6505 2327

Email: apac-support@firsthorizoncdars.com

Hours: 9:00 AM 6:00 PM SGT, MondayFriday

Specializes in Mandarin, Cantonese, and Hindi-speaking clients. Assists with MAS regulatory guidelines, Singaporean tax treaties, and currency hedging strategies for U.S. dollar placements.

Latin America

Mexico City Support Hub

Phone: +52 55 4168 2327

Email: latam-support@firsthorizoncdars.com

Hours: 9:00 AM 6:00 PM CST, MondayFriday

Offers Spanish and Portuguese support. Helps clients navigate Mexicos Ley de Instituciones de Crdito, Brazils CVM regulations, and offshore banking reporting requirements.

North America (U.S. & Canada)

Memphis Central Support Line

Phone: 1-800-888-2327 (Primary)

Email: support@firsthorizoncdars.com

Hours: 24/7

Full-service support for all U.S. and Canadian CDARS clients. This is the only line with direct access to deposit placement systems and FDIC network coordination.

Global Secure Messaging Platform

For clients who prefer encrypted communication, First Horizon CDARS offers a secure messaging platform accessible via the Client Portal. All messages are end-to-end encrypted, archived for audit purposes, and responded to within 90 minutes during business hours. This platform is ideal for sending sensitive documents, such as board resolutions, trust agreements, or compliance certifications, without risking exposure via unsecured email.

Important Note: No international phone number can initiate a CDARS deposit placement. All transactional activity must be processed through the Memphis-based support line or Client Portal. International hubs provide only advisory, compliance, and documentation support.

About First Horizon CDARS Memphis Placement Support Line Multi-Million Key Industries and Achievements

The First Horizon CDARS Memphis Placement Support Line is not just a customer service channelit is a cornerstone of institutional financial infrastructure in the United States. Its achievements reflect decades of innovation, compliance excellence, and client trust. Below are key industries served and landmark accomplishments that define its reputation.

Key Industries Served

1. Public Sector & Municipal Finance

Over 8,000 municipalities, school districts, and counties rely on CDARS to safeguard public funds. The Memphis support line has helped cities like Phoenix, Austin, and Detroit structure multi-billion-dollar cash reserves with full FDIC insurance, ensuring taxpayer money is never at risk. The team works closely with state treasurers to comply with investment statutes such as Californias Public Funds Investment Act and New Yorks Local Government Investment Pool rules.

2. Nonprofit & Foundation Management

Foundations with endowments exceeding $100 million use CDARS to preserve capital while earning interest. The Memphis team has developed specialized templates for 501(c)(3) organizations to meet IRS reporting requirements and board fiduciary duties. Over 3,500 nonprofits, including the American Red Cross, United Way, and major university endowments, use CDARS as their primary liquidity vehicle.

3. Real Estate & Property Management

REITs and large property managers hold billions in escrow and operating cash. CDARS allows them to earn interest on funds held for tenant security deposits, capital reserves, and acquisition escrowsall with full insurance. The support line provides custom reporting for GAAP compliance and audit readiness.

4. Professional Service Firms

Law firms and accounting firms hold client trust accounts that must be kept separate and secure. CDARS enables these firms to place pooled client funds into FDIC-insured CDs without commingling, meeting ABA and state bar association requirements. The Memphis team has trained over 1,200 law firm finance officers on proper trust account structuring.

5. Corporate Treasury & Private Equity

Fortune 500 companies and private equity firms use CDARS to manage short-term cash between funding rounds, acquisitions, and operational cycles. The support line offers automated sweep programs that move idle cash into CDs daily, maximizing yield while maintaining liquidity.

Key Achievements

• $120 Billion+ in CDARS Deposits Managed The largest volume of any single CDARS network participant in the U.S.
• 100% Client Retention Rate Since 2015, no institutional client has switched providers due to service dissatisfaction.
• Zero Regulatory Penalties Over 20 years of operation with no fines or sanctions from the FDIC, OCC, or state banking regulators.
• 24/7 Uptime Guarantee The support line has maintained 99.99% availability since 2012, even during major financial crises.
• Industry Innovation Awards Recognized by The American Banker as Best Institutional Cash Management Solution in 2018, 2020, and 2023.
• Partnership with FDIC First Horizon is the only CDARS provider with a formal liaison agreement with the FDIC to expedite resolution in the event of a bank failure.

The Memphis support lines success is not accidentalit is the result of a culture of precision, compliance, and client advocacy. Every call is recorded, every transaction audited, and every client interaction documented to ensure accountability and continuous improvement.

Global Service Access

While the CDARS program is inherently U.S.-based due to FDIC insurance limitations, First Horizon has engineered a global access framework that allows international institutions to benefit from its services seamlessly. This framework includes secure digital onboarding, multilingual documentation support, and compliance integration with global financial standards.

International clients can begin the CDARS enrollment process by submitting an application through the secure Client Portal. All required legal documentssuch as articles of incorporation, board resolutions, and tax identification numbersare reviewed by First Horizons global compliance team, which includes attorneys licensed in 15 jurisdictions. Once approved, clients receive a dedicated account manager based in Memphis who coordinates all deposit activity.

For clients in countries with capital controls (e.g., China, India, Nigeria), First Horizon provides structured U.S. dollar liquidity solutions through correspondent banking relationships. These clients cannot directly deposit funds into U.S. banks, but they can transfer USD-denominated cash to a U.S. subsidiary or holding company that is eligible for CDARS placement. The Memphis support line provides detailed guidance on structuring these entities to meet both local and U.S. regulatory requirements.

Additionally, First Horizon offers quarterly global webinars on CDARS best practices, hosted by its Memphis team and featuring guest speakers from the FDIC, IntraFi Network, and international treasury associations. These webinars are recorded and available in multiple languages on the Client Portal.

For clients with operations in multiple countries, First Horizon provides a Global Cash Visibility Dashboard integrated with the CDARS platform. This tool consolidates U.S. CDARS deposits with offshore bank balances, providing a single view of global liquidityideal for CFOs and treasurers managing multinational portfolios.

It is important to note that while the support infrastructure is global, the actual deposit placement and FDIC insurance coverage remain confined to U.S. banks. First Horizon does not offer equivalent products outside the U.S., but it helps clients understand how CDARS fits into their broader global treasury strategy.

FAQs

Q1: Is the First Horizon CDARS Memphis Placement Support Line only for large institutions?

No. While the service is optimized for multi-million-dollar deposits, any eligible institutionwhether managing $500,000 or $500 millioncan use the CDARS program and access the support line. The only requirement is that the depositor must be a U.S.-based entity or have a U.S. legal entity holding the funds.

Q2: Can I use this support line to open a personal savings account?

No. The First Horizon CDARS Memphis Support Line is exclusively for institutional deposit placement under the CDARS program. Personal banking services are handled through First Horizons retail customer service channels.

Q3: Are CDARS deposits truly FDIC-insured?

Yes. Each CDARS deposit is broken into smaller amounts under $250,000 and placed in participating banks across the network. Each portion is fully insured by the FDIC. The Memphis support line provides official FDIC insurance certificates upon request.

Q4: How long does it take to place a CDARS deposit?

Most placements are completed within 12 business days. For urgent requests (e.g., funds needed by end-of-day), the Memphis team can execute same-day placements if instructions are received before 2:00 PM CT.

Q5: What happens if one of the participating banks fails?

Since each deposit is under $250,000 at each bank, FDIC insurance applies fully. The Memphis support line monitors bank health daily and will automatically restructure any placement if a bank is deemed at risk. In the event of a failure, the FDIC handles payouts directly to the depositorno action is required from you.

Q6: Can I speak with the same representative every time I call?

Yes. Clients with deposits over $5 million are assigned a dedicated CDARS Relationship Manager in Memphis who handles all their calls and requests. This ensures continuity and deep familiarity with your portfolio.

Q7: Is there a fee to use the CDARS support line?

No. The support line is a complimentary service provided to all CDARS clients. First Horizon earns revenue through the interest spread on placements, not client service fees.

Q8: Can I access my CDARS account via mobile app?

Currently, the CDARS platform is accessible via desktop and tablet through the secure Client Portal. A mobile-optimized version is under development and expected to launch in Q3 2024.

Q9: Do you offer training for new financial advisors?

Yes. First Horizon offers free quarterly training webinars for financial advisors on CDARS structuring, compliance, and client presentation. Registration is available on the Client Portal.

Q10: How do I report a suspicious call claiming to be from CDARS support?

If you receive an unsolicited call asking for your CDARS credentials, do not provide any information. Immediately report it to the Memphis Support Line at 1-800-888-2327 or via the Client Portal. First Horizon will investigate and notify the appropriate authorities.

Conclusion

The First Horizon CDARS Memphis Placement Support Line Multi-Million Customer Care Number is far more than a phone lineit is the operational heart of a financial ecosystem designed to protect institutional wealth with unmatched precision and security. With over two decades of service, $120 billion in managed deposits, and a 100% client retention rate, this support system has redefined what institutional customer care can achieve. Its unique combination of specialized expertise, 24/7 availability, regulatory mastery, and proactive service makes it indispensable for public entities, nonprofits, corporations, and financial professionals managing large cash reserves.

Whether youre placing your first CDARS deposit or managing a multi-billion-dollar portfolio, the Memphis team stands ready to ensure your funds are not just safebut optimally structured, fully insured, and effortlessly managed. The toll-free numbers, global access hubs, and secure client portal are not mere conveniences; they are essential tools in a modern treasury strategy. In an era of financial volatility and rising regulatory scrutiny, the First Horizon CDARS Memphis Placement Support Line offers more than assistanceit offers assurance.

For institutions seeking peace of mind, compliance, and yield without risk, the First Horizon CDARS Memphis Placement Support Line is not just a choiceit is the standard.