Online Banking

It’s an easier and better way to manage your cash.

Transfer funds, check balances, view statements, even view check images at the push of a button. First Financial’s Online Banking gives you access to your bank accounts any time and at any place where you have web access.

Highlight of Benefits:

• Save time by banking in the comfort of your home or office


• Research transactions quickly and easily


• Download your activity to a variety of financial software
  programs


• Have confidence that our secure web site keeps your transactions
  safe

First Remote Deposit

Make deposits without going to the bank.

With remote deposit, you make deposits electronically from your own desk. You simply scan your deposits using the equipment that is provided by First Financial. It’s that easy!

Highlight of Benefits:

• Save time by scanning items for deposit at your office.


• You get extended cut-off times.


• Your records are improved with robust reporting and data capture.


• The bank sends you an e-receipt for every deposit.

CD-ROM Statement

Simple, easy, successful CD storage of your financial data.

Storing your financial data is now a snap! First Financial’s CD-Rom Statement offers you a great way to keep records of your account activity without storing bulky paper statements.

Highlight of Benefits:

• Multiple accounts can be placed on one CD


• The self-contained, search feature reduces research time


• Security is increased when you eliminate paper statements


• Your storage system is more efficient with fewer paper files

Account Reconciliation

Save time and increase the productivity and success of your staff.

Let us help you automate the reconcilement of your bank account and reporting processes with our account reconciliation services. Your business may benefit from paid-check reconciliation, deposit reconciliation, or our full range of reconciliation services.

Highlight of Benefits:

• Reduce administrative expenses and streamline reconciliation


• Enhance your record keeping with our detailed reporting


• Choose from a variety of options to fit your reconciliation needs


• Automated reconcilement services available to meet the specifications of any software


• Concentrate cash into one account from multiple collection sites by using the deposit reconciliation service

Zero Balance Account

Successfully improve the efficiency of managing your accounts.

Run your business more efficiently with our zero balance account. We save you time by automatically concentrating balances from multiple accounts into one single account.

Highlight of Benefits:

• Eliminate excess balances in separate accounts


• Maintain greater control over disbursements


• Transfer funds automatically


• Reconcile easily since individual reporting is provided for each account


• Maximize cash flow by identifying excess funds available for investment


• Eliminate the possibility of fraud when you maintain a zero balance account

Positive Pay

Successfully protect yourself from potential losses

Since federal regulations now require you to do everything in your power to protect check stock against fraud, we think you will appreciate our help in mitigating this risk. With our Positive Pay service, we can quickly identify potentially fraudulent and other exception items. This helps protect you from potential loss of funds.

Highlight of Benefits:

• Reduce risk of loss due to check fraud


• Identify exception items at the time of presentment


• Reduce your reconciliation effort by limiting the process to exception items only


• While having the bank match each check you write to a file you provide, you not only protect your funds, but you create an automated daily reconciliation process


• Easy upload process to report all issues


• Easy “exception” identification with a period of time to actually override your initial decision to return all exceptions

Lockbox Collection

Successfully save money and time with more efficient processing of your clients’ payments.

With First Financial Bank’s lockbox collection service, there’s no more traveling to the post office, opening envelopes, preparing deposit tickets, or taking deposits to the bank.

Highlight of Benefits:

• Faster collection of receivables


• Generally a one to two day acceleration of funds into your account


• Increased availability of funds to either reduce interest expense or gain interest


• Reduced administration cost and greater efficiency – we do not call in sick and if we take a vacation, there is another fully prepared associate, to make sure your deposits are made


• Quick, accurate posting and reposting of receivables with flexible reporting choices

Contact us today to get more information on all of our products and services.