Personal checking that makes a difference.

You need checking that’s fast, secure and easy to use. You also need options, so we offer those too with three programs catered to you.

Checking Account Benefits

Every First Financial Bank checking account comes with the same great standard features to make your life easier.

Check out all the different accounts below to find the one that’s right for you.

  • Mobile banking and deposit 10
  • Online banking and bill pay
  • FirstPlus Visa® Debit Card 9
  • Visa debit card with EMV chip
  • CardGuard with debit card lock
  • Overdraft protection 13
  • Zero liability fraud protection 12
  • Alerts
  • Debit Rewards † 11
  • Transfers

First Provider

Our premium checking account with extra security features and money saving benefits. $6.00 monthly fee.

  • One box of checks a year
  • $hopping Rewards™ ^
  • Identity Theft Monitoring & Resolution4
  • Debit Advantage® – Buyer’s Protection7 & Extended Warranty7
  • Travel and Leisure Discounts *^
  • Health Discount Savings* – This is NOT insurance.

The Benefits

  • Unlimited Check Writing
  • Paper or eStatement
  • Box of Checks 5

Fee Information

$6.00 monthly fee.

Active duty, veteran and retired members of the military receive a $1.00 discount off the monthly fee.

To receive the military discount, a Military ID, VA card or Form DD214 must be presented at the time the account is opened.

First Organizer

Checking account that earns interest.
$4 or $0 monthly fee

  • Unlimited check writing
  • Free electronic statements

The Benefits

  • Earn Interest Monthly
  • Unlimited Check Writing
  • Free eStatement

 

Fee Information

No fee with $500 average daily balance or a minimum of 25 FirstPlus debit card point-of-sale transactions per statement cycle. 1

$4.00 monthly fee applies if account requirements are not met.

Electronic Statements are free.

$3.00 fee for each paper statement provided. Fee waived if you are 62 or older.

First Connect

An account for banking and paying bills exclusively online. Free if you are not writing checks. $0 monthly fee 2

  • $1 per check
  • Free electronic statements

The Benefits

  • No minimum balance 6
  • $1 Check Writing 14
  • Free eStatement

Fee Information

No fee as long as all account activity is electronic.

There is a $1.00 fee for each check presented for payment.2

Electronic Statements are free.

$3.00 fee for each paper statement provided. Fee waived if you are 62 or older.

Compare checking accounts to help find the one that fits you best.

First Provider First Organizer First Connect
Interest Bearing      
Checks Order one free box per year 3 Varies Varies
Check Writing Unlimited Unlimited $1 per check 2
Monthly Statement Free paper or electronic statement Free electronic statement Free electronic statement
IDProtect®
Identity Theft Monitoring & Resolution Service * 4
     
Cellular Telephone Protection 7      
Accidental Death & Dismemberment Insurance 7      
Debit Advantage® – Buyer’s Protection 7
& Extended Warranty 7
     
Travel & Leisure Discount Membership * ^      
$hopping Rewards™ * ^      
Health Discount Savings *
This is not insurance.
     
Minimum Opening Deposit $50 $50 $50

Why First Financial Bank?

We are the bank your friends told you about. The bank your boss trusts. The bank that your parents know and love.

  • Personalized financial experience designed for you with experienced staff that are here for you.
  • The speed and convenience of a big bank with that local know how to get things done right.
  • A bank that is here for you when you need it, not the other way around.
Graphic of awards

Want a personal touch while opening your account?

If you don’t want to sign up online feel free to reach out directly by visiting a banking center, dropping us an email for a follow up or call us at (800) 511-0045. We’re here to help.

✱ Registration/activation required.

✧ Some features not available with Health Savings Account (HSA)

† 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 FirstPlus 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 First Connect, 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.The First Connect account is designed for customers who exclusively use electronic means (check card, ACH, online banking including bill pay) to make payments. This account provides, at no charge, a FirstPlus debit card, online banking with bill pay and access to electronic statements, which include electronic check images.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 the First Organizer account. The First Organizer account may include, among other fees, a monthly service charge if certain conditions are not met. If your account is converted to a First Organizer account pursuant to this paragraph, you will be provided with a Truth in Savings Disclosure for the First Organizer account.
  3. One complimentary box per year – any style or design – only valid on personal checking products excluding licensed product checks. Your free checks will be mailed to you within two weeks after you open your account.
  4. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members, 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.  Family includes:  Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.  Some of the benefits with IDProtect require registration and activation.
  5. One free box per year – any style or design – only valid on personal checking products excluding licensed product checks. Your free checks will be mailed to you within two weeks after you open your account.
  6. The First Connect account is designed for customers who exclusively use electronic means (check card, ACH, online banking including bill pay) to make payments. This account provides, at no charge, a FirstPlus debit card, online banking with bill pay and access to electronic statements, which include electronic check images.
  7. 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.
  8. Money-saving discounts from thousands of local and national businesses. Redeem and print coupons online or access discounts from your smartphone.
  9. ATM access is FREE when using your FirstPlus card at a FirstPlus 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.
  10. 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.
  11. PIN and ATM transactions do not earn Rewards! points. FirstPlus Visa® debit card signature and swipe transactions earn one point for every three dollars spent.
  12. 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.
  13. 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.

  14. With First Connect, 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.

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.