⏱ 13 min read

Searching for "OpenClaw First Horizon"? You're in the right place. Your First Horizon account holds the practical machinery of your Southeast financial life: checking balances, savings goals, money market deposits, CD maturities, IRA contributions, mortgage payments, and wealth management positions. Until now, getting "AI for First Horizon" with a self-hosted open-source agent meant either skipping account integration entirely or building a brittle custom scraper that broke every time First Horizon updated its login flow.

By Scott Blandford, Founder & CEO of Truthifi | Reviewed by Mike Young

Truthifi changes that. With an OpenClaw First Horizon connection through Truthifi, your self-hosted OpenClaw instance can see your live First Horizon balances, transaction history, CD ladder, and wealth management positions — all through a standard MCP endpoint. Truthifi rebuilds your historical data on connection: it fills gaps, corrects categorization errors, and resolves merchant naming inconsistencies, so OpenClaw works with clean, normalized data from day one. All of this happens through a read-only MCP connector that never touches your credentials and cannot move money between your First Horizon accounts.

This guide walks you through setup (about 5 minutes after OpenClaw is already running), explains exactly what Truthifi allows and blocks with your First Horizon data, and shows you how to combine OpenClaw's open-source flexibility with your real Memphis-region banking data.

What You Need

• First Horizon account with online banking access (Checking, Savings, Money Market, CDs, IRAs, Mortgage, or Wealth Management)

• OpenClaw, the open-source AI agent (Free) running locally or on your own server

• Free Truthifi account registration at truthifi.com

• Approximately 5 minutes for setup (assuming OpenClaw is already running)

• Looking for ChatGPT? See chatgpt-first-horizon

How to Connect OpenClaw to Your First Horizon Account

Ready to give your self-hosted OpenClaw instance live access to your First Horizon accounts? Here's the flow.

1. Open your OpenClaw config — Edit your local openclaw.config.json (or whatever config file your OpenClaw distribution uses). Locate the mcp_servers block.

2. Add the Truthifi connector — Add an entry: { "name": "truthifi", "url": "https://api.truthifi.com/mcp", "auth": "oauth" }. Save and restart OpenClaw to pick up the new connector.

3. Authorize your First Horizon accounts — On first invocation, OpenClaw opens the Truthifi OAuth flow in your browser. Sign in to your Truthifi account, choose First Horizon from the institution picker, authenticate with your First Horizon username, password, and MFA on First Horizon's domain (via BAA, Plaid, or Yodlee), select which First Horizon accounts to share with OpenClaw, confirm the read-only scope, and click Authorize.

4. Enable Truthifi in your agent loop — In your OpenClaw agent prompt or system message, include "Truthifi" as an available tool. OpenClaw's open-source flexibility means you can also write custom orchestration around it.

5. Verify the connection — Send: "Show me my First Horizon checking balance and the last 10 transactions." If OpenClaw returns your actual First Horizon activity, the connection is live.

You've now linked your First Horizon account to your self-hosted OpenClaw — your local agent has read-only access to your real Southeast banking data.

Example Prompts for OpenClaw

• Local Cash Flow Pipeline — "Pull my First Horizon checking and money market activity for the last 6 months. Output the raw data as JSON I can pipe into my local analytics pipeline, then also produce a categorized summary table for human reading."

• CD Ladder Optimizer Script — "Read my First Horizon CD ladder. Write a Python script that takes the maturities and rates as input and produces an optimization recommendation. Run the script in your local sandbox and show me the output."

• Mortgage Amortization Model — "Read my First Horizon mortgage balance, rate, and remaining term. Generate a full amortization schedule as CSV and save it to my local Downloads folder. Then summarize: total interest remaining, payoff date, breakeven for $200/mo extra principal."

• IRA Auto-Contribution Cron — "Pull my First Horizon IRA YTD contributions and the IRS limit. Write a shell script for my local cron that emails me monthly with my contribution progress and the remaining monthly auto-transfer needed to max out."

• Wealth Management Fee Extractor — "Pull every fee on my First Horizon wealth management account in the last 12 months. Output as CSV with columns: date, fee type, dollar amount, account, percentage of assets. Save locally for my records."

• Net Worth Time Series — "Aggregate all First Horizon accounts. Output a daily-resolution time series of net worth over the past 24 months as JSON. I'll feed it into my local Grafana instance."

• Memphis Local Spending Tagger — "Categorize my First Horizon checking transactions over the past 12 months. For each transaction, output a JSON record with merchant, amount, date, category, and a geographic tag (memphis-area / southeast / national / international). Save to my local dataset."

• CD vs. Treasury Comparison Script — "Show my First Horizon CD rates by maturity. Write a Python script that fetches current Treasury yields, compares each CD rung to its duration-matched Treasury, and outputs a recommendation per rung. Run it and show the output."

• Custom Banking Dashboard — "Pull all my First Horizon account data and emit it as a JSON payload for my local self-hosted dashboard. Schema: { accounts: [...], net_worth_daily: [...], transactions_last_90d: [...], cd_maturities: [...], advisor_fees_ytd: number }."

• Privacy-First Tax Pack — "Pull my First Horizon interest income, mortgage interest paid, and IRA contributions year-to-date. Output as a structured JSON tax-prep packet and save it locally. Do not transmit it anywhere — I'll hand it to my CPA in person."

Why Truthifi?

5.1. Security

Your First Horizon username, password, and MFA code never touch Truthifi's servers — or your OpenClaw instance. Authentication occurs directly on your provider's domain through BAA, Plaid, or Yodlee, creating a read-only, protocol-enforced connection secured with AES-256 encryption. OpenClaw receives only scoped data tokens, never your actual credentials. You maintain complete control and can revoke access anytime at First Horizon's connected apps settings or through your Truthifi dashboard.

5.2. Privacy

OpenClaw is open-source and self-hosted, which means your First Horizon data flows from Truthifi directly into your own infrastructure — not into a third-party LLM provider's data plane unless you've configured that explicitly. Truthifi never stores credentials. You decide which First Horizon accounts your OpenClaw instance can access. The data doesn't get sold, doesn't get used for model training by Truthifi, and stays on your hardware once it reaches your agent.

5.3. Audit Trail

Every MCP data request is logged with complete session details — both on Truthifi's side and (depending on your OpenClaw build) in your local logs. When your OpenClaw agent accesses your First Horizon data, the timestamp and specific information retrieved gets recorded automatically. You maintain full visibility into which First Horizon details were accessed during each agent run.

5.4. Data Quality

When First Horizon delivers raw transaction data through its providers, Truthifi rebuilds historical information from BAA, Plaid, and Yodlee to correct inconsistencies. Our normalization process fills data gaps, deduplicates pending vs. posted transactions, and resolves merchant naming mismatches. This approach ensures up to 10 years of clean, accurate transaction history — particularly useful when your OpenClaw build is running downstream analytics that assume clean inputs, and when your account spans the pre-2020 IBERIABANK and post-merger First Horizon eras.

About OpenClaw

OpenClaw is the open-source AI agent framework. It's free to use, free to modify, and runs on your own hardware — your laptop, your home server, or your private cloud. Unlike commercial agents that ship as a managed product, OpenClaw is a kit: you bring the model (local Llama, hosted Claude/GPT, or any other LLM you choose), you bring the runtime, and you bring the orchestration around it.

The open-source approach matters most when privacy is the constraint. For users who don't want their First Horizon banking data flowing through a commercial AI provider's infrastructure — or who need full control over data residency and logging — OpenClaw plus Truthifi is the cleanest path. Pair OpenClaw with a locally-hosted model (Llama-3, Mistral, Qwen) and your First Horizon data never leaves your machine, even at the inference layer. OpenClaw is free, which means there's no per-month plan — your only costs are compute and (if you choose) the LLM provider's usage fees.

About First Horizon

First Horizon Corporation is a Memphis, Tennessee-headquartered regional bank holding company with deep roots in the Southeast. Established in 1864 as First National Bank of Memphis, the institution has grown into one of the largest regional banks in the South — particularly after the 2020 merger of equals with IBERIABANK Corporation, which extended its footprint into Louisiana, Texas, and Florida.

• Headquarters: Memphis, Tennessee

• Founded: 1864

• Assets: Approximately $80 billion

• Branches: Roughly 400 branches across 12 states

• Stock Listing: NYSE: FHN

• Authentication: Username/password with MFA via BAA, Plaid, and Yodlee

• Transaction History: Typically 24 months from providers; Truthifi extends to 10 years

Supported Account Types: Checking, Savings, Money Market, CDs, IRAs, Mortgage, Wealth Management

• First Horizon traces its lineage to First National Bank of Memphis, chartered in 1864, making it one of the oldest banks in the Mid-South

• The 2020 IBERIABANK merger created a combined company with roughly $80 billion in assets and dramatically expanded its Gulf South and Texas footprint

• First Horizon operates approximately 400 branches across 12 states, primarily concentrated in Tennessee, Louisiana, Texas, Florida, and the surrounding Southeast

First Horizon website → · About First Horizon →

Frequently Asked Questions

Is it safe to connect my First Horizon account to OpenClaw through Truthifi?

Connecting through First Horizon's authentication via BAA, Plaid, or Yodlee ensures your login credentials stay on First Horizon's own secure servers. When you connect, you're redirected to First Horizon's domain to log in directly with your username, password, and MFA code, then grant specific read-only permissions before returning to Truthifi. Your credentials never pass through Truthifi or your OpenClaw instance.

OpenClaw receives only a scoped data token with read-only access, meaning it cannot move money between your First Horizon accounts or change account settings. Every data request is logged.

Truthifi security overview →

Why use OpenClaw rather than ChatGPT, Claude, or Perplexity?

OpenClaw is the right choice when self-hosting and source-code transparency matter to you. If you want to read every line of your agent's code, run it on your own hardware, pair it with a local LLM so your First Horizon data never leaves your machine, or build custom orchestration that goes beyond what commercial agents allow — OpenClaw is built for that. The trade-off is more setup work; the payoff is total control.

What does Truthifi allow OpenClaw to do with my First Horizon data?

OpenClaw cannot move money, place wires, or change account settings. The read-only access token from BAA, Plaid, or Yodlee prevents OpenClaw from executing any transactions. OpenClaw can read your balances, transactions, CD ladder, wealth management positions, and IRA contribution status — and run any analysis your local code defines on top.

Does my First Horizon data ever leave my machine if I use a local LLM?

If your OpenClaw build is wired to a fully-local LLM (e.g., a Llama or Mistral model running on your own GPU), then your First Horizon data flows from Truthifi → your OpenClaw process → your local model — and back. No third-party LLM provider sees the data. If you've configured OpenClaw to call a hosted model (Claude, GPT, etc.), then the prompt content goes to that provider per their terms.

What First Horizon account types does Truthifi support for OpenClaw?

Truthifi supports connecting your First Horizon Checking, Savings, Money Market, CDs, IRAs, Mortgage, and Wealth Management accounts through its read-only MCP connector.

How does Truthifi compare to other options for OpenClaw users?

How do I disconnect OpenClaw from Truthifi?

Remove the Truthifi entry from your OpenClaw config and restart, then revoke access in your Truthifi dashboard and (optionally) in First Horizon's online banking connected-apps settings.

Does the OpenClaw connection work for First Horizon accounts opened pre-2020 IBERIABANK merger?

Yes. Truthifi's normalization layer reconciles pre-merger IBERIABANK history with current First Horizon records so OpenClaw sees a continuous timeline.

Do I need to pay for OpenClaw?

No. OpenClaw is open-source and free. Your costs are whatever compute you use and (if you call a hosted LLM) that provider's usage fees.

Where is my data stored?

That depends on your OpenClaw build. By default Truthifi delivers data into your active OpenClaw session and does not persist it on Truthifi's side. Whether OpenClaw persists it locally is determined by your config.

Can I write custom MCP tool wrappers around Truthifi?

Yes — that's a core OpenClaw strength. Because OpenClaw is open source, you can write custom tool wrappers that re-shape Truthifi responses, cache them locally, or compose multiple Truthifi calls into a single higher-level operation.

Does OpenClaw replace my First Horizon advisor?

No. OpenClaw is a tool for data analysis on your own infrastructure, not advisory services. Your First Horizon wealth management advisor knows you and the Memphis market.

What is Truthifi?

Truthifi serves as an independent financial data platform that enables you to connect any MCP-capable agent — including OpenClaw — to financial accounts from over 18,000 US institutions, including First Horizon. The service operates on a subscription model and does not sell data, earn commissions, or sell financial products.

Who can see my First Horizon data?

Only your OpenClaw process and (if applicable) whatever LLM you've configured it to call. Truthifi sees the data on the path between First Horizon's providers and your agent but does not retain it.

Subject to your local OpenClaw build's privacy policy and the LLM provider's terms (if you use a hosted model).

Can I connect OpenClaw and ChatGPT to my First Horizon account?

Yes. Each agent connection through Truthifi is independent.

Can OpenClaw compare First Horizon to other regional Southeast banks?

Yes — your custom orchestration can pull from multiple banks at once. See openclaw-frost-bank for Texas-based Frost Bank or openclaw-comerica for Comerica.

Is OpenClaw appropriate for tax planning on First Horizon accounts?

OpenClaw can surface First Horizon interest income, mortgage interest paid, and IRA contributions and output a structured tax-prep packet for your CPA. It is not a tax advisor.

What types of accounts can I connect beyond First Horizon?

Truthifi supports over 18,000 US institutions. You can connect OpenClaw to brokerage, retirement, HSAs, credit cards, mortgages, and more — all read-only.

Is there a fee from Truthifi or First Horizon for this?

First Horizon does not charge for read-only data access. Truthifi has its own subscription tiers — see truthifi.com/pricing. OpenClaw itself is free open source.

Continue learning

MCP (Model Context Protocol) — Truthifi exposes a standard MCP endpoint so any MCP-capable agent — including self-hosted open-source agents like OpenClaw — can pull live First Horizon data with no custom integration code.

AI Financial Dashboard, Self-Hosted — OpenClaw's flexibility means you can build a fully self-hosted dashboard that aggregates First Horizon data alongside your other accounts, with all storage and compute on your own infrastructure.

Local-First Banking Analysis — Pair OpenClaw with a local LLM and your First Horizon data never leaves your machine at inference time.

Custom Banking Pipelines — Write your own scripts and orchestrations on top of Truthifi's MCP endpoint. Pipe First Horizon transactions into local Grafana, custom Postgres warehouses, or any analysis stack you maintain.

AI Mortgage Modeling — Generate full amortization schedules locally from your First Horizon mortgage data without sending anything to a hosted service.

AI CD Ladder Optimization — Truthifi surfaces CD maturity dates and rates; your OpenClaw build can run custom optimization scripts in your local sandbox.

AI Wealth Management Audits — Run private fee audits and concentration-risk analyses on your First Horizon wealth management positions without any data leaving your hardware.

AI Compliance & Security — AI fraud detection, AI identity verification, AI KYC, AI RegTech, and AI regulatory compliance. Truthifi builds these into every connector layer; OpenClaw lets you add your own audit logging on top.

Compare Other Regional Banks — See openclaw-frost-bank for Texas-based Frost Bank, openclaw-comerica for Comerica, or openclaw-umb-bank for UMB Bank.

• How to Ask AI About Your Real Investment Accounts

• How to Track Your Investments Like a Pro

• AI Portfolio Analysis: Expense Ratios, Asset Allocation & Retirement

• Are Your Financial Firms Working Together?

• Net Interest Margin (NIM)

• Getting Everything in One Place

• The Fear of Linking Accounts

Informational only. Not financial advice. Consult a qualified financial advisor before making investment decisions. Truthifi is an independent platform. This guide reflects current product functionality as of June 2026.

About the author

Scott Blandford is Founder & CEO of Truthifi, where he leads the company’s vision for transparent, AI-powered financial intelligence. Before founding Truthifi, Scott spent 25+ years in financial services, including senior roles at Fidelity Investments, Merrill Lynch, Bank of America, and TIAA, building the data infrastructure that institutions rely on to manage wealth at scale. He writes about the technology reshaping how people connect with and understand their financial lives.

Reviewed by Mike Young, Head of Product at Truthifi. Mike has 20+ years building digital investment platforms at Merrill Lynch, TIAA, JP Morgan, and Vanguard.