Checking Account Options

Save time and money with our spending accounts.
All of our personal accounts include unlimited check writing, free ATM
transactions within our network, free Visa® check card, and free online banking and bill payment.

  • e-Free Checking

    e-Free Checking

    Back to basics with on-the-go account access, including electronic statements.

    OPEN AN ACCOUNT
  • e-Student Checking

    e-Student Checking

    Banking anywhere, anytime for students 13-26. Manage your money with great features like online and mobile banking.

    CONTACT US
  • Preferred Checking

    Preferred Checking

    If you're over 50, then this is the account for you. Free check orders. Online bill payment. Reduced-size copies of the checks you've written. You'll also earn tiered interest - so the more you save, the more you earn!

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  • Money Market Spending

    Money Market Spending

    A robust spending account loaded with complimentary benefits that also pays you a competitive rate of interest.

    CONTACT US
Compare Our Checking Accounts

Find the checking account that is right for you.

E-FREE
CHECKING

  • Unlimited check writing
  • No fee ATM transactions within FFB network
  • No network fees with non-FFB ATMs if within the Allpoint network
  • Visa® Check Card
  • Panorama
  • Online Banking & Bill Payment
  • e-Statements and Notices
  • Mobile Banking
  • Overdraft protection, ready reserve and/or dynamic transfers

 

 

 

 

 

 

 

Age: Must be 18 or older

Monthly cost of service: No monthly service with electronic statements; $4 fee for paper statements

Minimum deposit to open account: $100

E-STUDENT
CHECKING

  • Unlimited check writing*
  • No fee ATM transactions within FFB network
  • No network fees with non-FFB ATMs if within the Allpoint network
  • Visa® Check Card
  • Panorama
  • Online Banking & Bill Payment
  • e-Statements and Notices
  • Mobile Banking
  • Overdraft protection, ready reserve and/or dynamic transfers

 

 

 

 

 

 

 

Age: Must be 13-25 a student, under 18 requires joint ownershipt with parent or guardian

Monthly cost of service: No monthly service with electronic statements; $4 fee for paper statements

Minimum deposit to open account: $10

Online Banking & Visa Check Card enrollment required

*From Online Bill Pay

 

 

 

 

 

 

PREFERRED
CHECKING

  • Unlimited check writing
  • No fee ATM transactions within FFB network
  • No network fees with non-FFB ATMs if within the Allpoint network
  • Visa® Check Card
  • Panorama
  • Online Banking & Bill Payment
  • e-Statements and Notices
  • Mobile Banking
  • Overdraft protection, ready reserve and/or dynamic transfers
  • Variable rate interest
  • Free checks
  • Free money orders
  • Free cashier's checks
  • Check images returned with monthly statement
  • Discounted annual rental of safe deposit box

Age: Must be 50 or older

Monthly cost of service: $10 monthly service fee if balance is below $200.

Minimum deposit to open account: $25

MONEY MARKET SPENDING

  • Unlimited check writing
  • No fee ATM transactions within FFB network
  • No network fees with non-FFB ATMs if within the Allpoint network
  • Visa® Check Card
  • Panorama
  • Online Banking & Bill Payment
  • e-Statements and Notices
  • Mobile Banking
  • Overdraft protection, ready reserve and/or dynamic transfers
  • Variable rate interest
  • Complimentary first order of custom wallet checks
  • Check images returned with monthly statement
  • Discounted annual rental of safe deposit box

Age: Must be 18 or older

Monthly cost of service: No monthly service with electronic statements and balance of at least $2,500; $4 fee for paper statements; $10 monthly service fee if balance is below $2,500.

Minimum deposit to open account: $1,000

Opt-In For One Time ATM And POS Debit/Check Card Purchases

Get the coverage you need to use your check card or make ATM transactions
without worrying about being denied.

Make your choice on one-time debit and ATM overdraft coverage. If you have not opted-in to overdraft coverage for one-time debit card or ATM transactions, your debit or ATM card will be declined if you don’t have enough money in your account to cover a purchase or ATM withdrawal. When you Opt-In we will authorize payment of those transactions!

To authorize payments - complete the opt-in form and deliver it to us or mail it to us at:

First Financial Bank, N.A. Attn: Deposit Services
225 Pictoria Drive, Suite 600
Cincinnati, OH 45246

If you have any questions, please contact us by calling our Client Service Center at 877-322-9530
or by visiting your local banking center.

Overdraft Privilege Program

Overdraft Privilege (ODP) is the bank’s discretionary overdraft policy, intended to provide excellent client service by helping our clients avoid the headaches of returned checks.

ODP is a discretionary courtesy that is extended to clients in good standing to cover an unexpected overdraft. You will be automatically enrolled in our Overdraft Privilege Program after being an account holder in good standing thirty days after you open your checking account.

More information about First Financial's Overdraft Privilege Program

Alternative Solutions:



Ready Reserve*

If you overdraw your account, funds are transferred from your line of credit to your checking account. You will be notified, and you have the opportunity to pay back your ready reserve account at any time.

*Ready Reserve is subject to eligibility requirements and credit approval.





Dynamic Transfer

If your account is overdrawn, dynamic transfer uses available funds from another account you authorize to cover the overdraft on your checking account. First Financial makes the transfer automatically on your behalf and saves you the inconvenience and embarrassment of expensive overdraft and bounced-check fees.

Checks and debits presented for payment in excess of the available balances of the Ready Reserve, Dynamic Transfer accounts or the Overdraft Privilege limit will be returned.

Visa® Check Card

Use your First Financial Bank Visa® Check Card everywhere Visa® is accepted.

Money is deducted directly from your spending account and your Visa® check card includes convenient account access at ATM machines.

Jackie Stuck

“The team always makes me feel like a valued part of the bank by consistently going above and beyond to provide the right financial solutions for me and my family.”

Savings Accounts

It's never too late to start planning for your future. That's why we have a variety of savings options to help you effectively manage your money, while still providing you with the financial freedom to enjoy life as you go.

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Online Banking

View real-time balances and activity, access account history, pay bills, transfer money between accounts, send money to friends and family, set up alerts and more. You choose the services that make sense for you, and we’ll handle the rest.

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Credit Cards

Experience the financial freedom of purchasing all the things you need with a Visa® credit card from First Financial Bank. Let us know how you'd like to use your card and we'll be happy to set up an account that's best for you. Subject to credit approval.

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