Personal checking that makes a difference.

✱ Registration/activation required.

† Feature not available with Health Savings Account (HSA)

^ Available online only

1. A point of sale (POS) transaction is one in which you use your First debit card to pay a merchant for a purchase or pay a bill whether by signature or PIN-based. POS transactions do not include ATM transactions.
2. With eChecking, there is a $1.00 fee for each check presented for payment, including a remotely created check. A remotely created check, rather than an electronic debit, may be created by an entity or individual you are paying and to whom you provide your account number and authorize the debit. eChecking is designed for customers who exclusively use electronic means (debit card, ACH, online banking including bill pay) to make payments. This account provides, at no charge, a First debit card, online banking with bill pay and access to electronic statements. To maintain this account, you must have access to a device that: 1) meets the operating system, Internet browsing, and other requirements set forth in the First Online Terms and Disclosures; and 2) connects to a non-public network. You must also enroll, log in, and remain active in online banking and consent to receive electronic statements. If you have not enrolled, logged in, and remained active in online banking and consented to receive electronic statements within 30 days from the date of account opening (the Enrollment Period), or if you later revoke your consent to receive electronic statements, this account will be converted to an Interest Checking account. Interest Checking may include, among other fees, a monthly service charge if certain conditions are not met. If your account is converted to an Interest Checking account pursuant to this paragraph, you will be provided with a Truth in Savings Disclosure for the Interest Checking account.
3. Benefits are available to personal checking account owner(s) and their joint account owners and are subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Some of the benefits with IDProtect require registration and activation.
4. One complimentary box per year – any style or design – only valid on personal checking products excluding licensed product checks. Your complimentary checks will be mailed to you within two weeks after you open your account.
5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.
6. Money-saving discounts from thousands of local and national businesses. Redeem and print coupons online or access discounts from your mobile device. Participating merchants are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Restrictions apply. See First.ClubChecking.com for details.
7. ATM access is FREE when using your First debit card at a First ATM. There is a $2.00 transaction fee when using an ATM owned by another financial institution. Certain restrictions apply concerning replacement cards. Visa is a registered Trademark of Visa®.
8. Mobile Banking is free from First Financial Bank, but data and text messaging charges from your service provider may apply. Not all accounts or customers are eligible for Mobile Deposit.
9. PIN and ATM transactions do not earn Rewards points. First Visa® debit card signature transactions earn one point for every three dollars spent.
10. Zero Liability Fraud Protection does not apply to ATM transactions or PIN transactions not processed by Visa®. Notify First Financial Bank immediately of any unauthorized use. For specific restrictions, limitations and other details regarding unauthorized use, see your account agreement.
11. There is a fee for service. Preauthorized Transfer from Savings (PATS): $12.00 per transfer. Overdraft Line of Credit: $5.00 monthly participation fee. A revolving line of credit that will transfer funds in $100 increments when sufficient funds are not available in your checking account. Minimum repayment of amounts transferred from your Line of Credit will be 5.0% of your outstanding balance plus all accrued interest, or $50.00, whichever is greater, or the balance if less than $50.00. Please be aware that the Overdraft Line of Credit is a consumer loan and that credit approval is required. First Courtesy Coverage: $38.00 per item fee for overdrawing the account. This fee applies to overdrafts created by check, in-person withdrawal, other electronic transactions and, if you request, ATM and one-time debit card transactions. The bank reserves the right to require immediate payment of an overdraft on demand; whether overdrafts will be paid is discretionary and the bank reserves the right not to pay. For example, the bank typically will not pay overdrafts if your account is not in good standing, you are not making regular deposits or you have too many overdrafts.
12. Credit file monitoring may take several days to begin following activation.
13. Restrictions apply. See http://first.clubchecking.com for details.
14. 24-hour coverage for roadside assistance services, including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

Insurance products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.