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We will be closed July 4 for Independence Day. 

FDIC FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Personal Checking

Whether you bank from your phone or prefer friendly service in your neighborhood, your checking account should keep up with your lifestyle—not complicate it. At First Financial, we offer straightforward options with real support, built to simplify your day-to-day and support your future.

Featured Accounts Built for More

Prime Checking

More Benefits, Less Hassle

If you keep a higher balance and want more from your everyday account, Prime Checking gives you added value—without added effort.

  • Earn Interest on every dollar in your account
  • No Monthly Fee when you maintain a $2,500 average balance
  • IDProtect® – Identity theft monitoring and resolution services.3*
  • Cell Phone Protection & AD&D Insurance – Coverage that travels with you.5
  • Free Paper Statements – No extra cost for staying informed.

Smart, rewarding, and built around your financial momentum.

Plus Checking

Everyday Peace of Mind—Built In

Protection and value—without the complexity. Plus Checking gives you built-in benefits that safeguard what matters most while keeping your finances simple.

  • Only $6/month – Or $5 with military ID.
  • IDProtect® – Identity theft monitoring and resolution services.3*
  • Cell Phone Protection & AD&D Insurance – Coverage that travels with you.5
  • Free Paper Statements – No extra cost for staying informed.

A smart choice for anyone who wants everyday security with everyday simplicity.

More Ways to Bank

Interest Checking

Flexibility meets earning power.

Enjoy everyday banking with the added benefit of earning interest—without giving up flexibility.

  • Earn interest on your balance
  • Limitless check writing
  • No monthly fee when you maintain a $500 average daily balance or make 25 debit card purchases per month¹ 

Ideal for those who want their money to work while keeping easy access to it.

eChecking

Simple. Digital. Ready When You Are.

Designed for those who prefer to bank online, eChecking keeps things easy and efficient—without unnecessary fees or extras.

  • No monthly maintenance fee2
  • Just $1 per check presented2
  • Opt eStatements at no charge ($3 fee for paper statements)
  • 100% digital experience—manage everything from your phone or computer

Everyday banking, simplified.

Build Healthy Financial Habits—Together

Greenlight® for Families

Help your kids learn how to manage money in a safe, guided way. Set spending limits, assign chores, and monitor activity—all from one simple tool.

Bank Smarter, Wherever Life Takes You

Your Checking Account Is Just the Beginning

Your life moves fast—and your banking should keep up. With First Financial Digital Banking6, you can manage your account, pay bills, transfer money, and track your goals anytime, anywhere. Whether you're at the kitchen table or on the go, real support and powerful tools are just a tap away.

This isn’t just digital banking. It’s peace of mind, right in your pocket.

How to Get Started

Choose Your Account

We’ll help you find the right fit for your lifestyle.

Open With Ease

Start with as little as $50—online or in a branch.

Bank With Confidence

Use mobile banking, talk to your banker, or do both—your call.

Why Choose First Financial?

A Better Banking Experience

At First, your checking account isn’t just where money moves—it’s where goals begin. That’s why we combine clear options with real guidance and human support. No hidden fees. No unnecessary complexity. Just banking that works the way you do.

  • Nearly two centuries of banking expertise
  • Digital banking tools with in-person access6
  • All accounts include Digital Banking, direct deposit, and 24/7 support

Banking That Simplifies, Supports & Moves With You

Picture your finances running smoothly, with tools you trust and a team that knows your name. At First Financial, we make everyday banking easy to understand—and easy to count on.

*Registration/activation required.

^ 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. 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 period.

7. First Financial Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their First Financial Bank account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Plans start at $5.99/mo. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer subject to change or renewal. The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Card images shown are illustrative and may vary from the card you receive.

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.