Checking accounts

Extras come standard with First Financial Bank checking accounts.

Extra perks. Extra ease. Extra peace of mind. No matter what you need, we have an account that works for you. All our checking accounts come with mobile and online banking, a contactless debit card so you can tap-to-pay, and so much more. Compare your account options, open within minutes, and get the extras you deserve.

"Choice Checking" on blue tessellated background, with "Most popular" sash in upper left corner

Our most popular checking account. Choice Checking has an easy-to-waive monthly fee, expanded fee-free ATM access and loan benefits for relationship-based accounts.

KEY BENEFITS
55,000+ fee-free ATMs worldwide
Access to loan benefits that lower rates by 0.25% plus more perks when you bank with us1


MONTHLY SERVICE CHARGE
$0 when you have:
Debit card activity2 or
$500+ in direct deposits2
Otherwise, $10

"Simple Checking" on blue tessellated background

Simple Checking is just that—simple: features you expect from a checking account, without a monthly fee.

KEY BENEFITS
55,000+ fee-free ATMs worldwide
No monthly service charge or minimum balance requirement
Access to loan benefits that lower rates by 0.10% plus more perks when you bank with us1


MONTHLY SERVICE CHARGE
$0

"NoWorry Checking" on a blue tessellated background

No overdraft fees or minimum balance—ever.

KEY BENEFITS
55,000+ fee-free ATMs worldwide
No overdraft fees
Access to loan benefits that lower rates by 0.10% plus more perks when you bank with us1


MONTHLY SERVICE CHARGE
$5

Get paid to bank—earn interest and get rewards like lower rates and fees waived on loans and ATMs.

KEY BENEFITS
Earns interest4
Access loan benefits that lower rates by 0.25% and waive fees plus more perks when you bank with us1


MONTHLY SERVICE CHARGE
$0 when you have:
$50,000+ in combined deposit & loan balances5
Otherwise, $20

Earn interest with our top-of-the-line account and take advantage of higher savings rates and loan benefits.

KEY BENEFITS
Earns interest4
Access to loan benefits that lower rates by 0.50% and waive fees plus more perks when you bank with us1, including no monthly service charge on a Premier Money Market account


MONTHLY SERVICE CHARGE
$0 when you have:
$250,000+ in combined deposit & loan balances5
Otherwise, $45

Whether you’re starting your first job or heading to college this account makes the grade with no monthly fee or minimum balance and free online and mobile banking.

KEY BENEFITS
No monthly service charge or minimum balance requirement3
55,000+ fee-free ATMs worldwide


MONTHLY SERVICE CHARGE
$0

Download the First Financial Bank app

Take your account on the go. Our mobile banking app makes it easy to manage your checking account anywhere, anytime. Use the app to transfer money, view available balances, stay in control of your finances and more.7

Frequently asked questions

A checking account is the perfect place for all your daily and monthly transactions. Checking accounts are ideal for receiving your paycheck, paying for bills, and daily transactions. Checking accounts typically have fewer (or no) fees when you use money in them to pay for daily, weekly, or monthly transactions.

It’s easy to open a checking account with us.

  1. Requirements: At least 18 years old (applicants under 18 can apply in a financial center); a U.S. Citizen or Resident Alien; a resident of Ohio, Kentucky, Indiana, or Illinois.
  2. Documents: Social Security number; U.S. government-issued ID (Driver’s License, Passport, Military ID, or State Issued ID); for joint accounts you’ll need the email address of the joint applicant.
  3. Add money to your account: A debit or credit card number with CVV code to transfer at least $25 to your new account.

An overdraft occurs when you do not have enough money in your account to cover a transaction (“Insufficient Balance”), but we authorize or pay it anyway. We understand sometimes life can throw you a curveball, so we’ve simplified our policy. We offer:

$25 Buffer
When your account has been overdrawn, you get a $25 buffer. That means if your account's available balance is overdrawn by $25 or less, you won't be subject to the Overdraft Paid Item Fee.

$0 Returned Item Fee
If your transaction doesn't go through due to insufficient funds, you won't get charged a fee for the returned or declined transaction. (On your statement, you may see a fee initially charged and subsequently reversed upon being returned/declined.) If the bank does pay for the transaction, you may be subject to the $25 Overdraft Paid Item Fee.

Plus...

  • Maximum of 2 Overdraft Paid Item Fees Per Day: When we pay items on your behalf, a daily limit of two (2) Overdraft Paid Item Fees may be charged, even if the number of overdrafts exceed two (2).
  • No Overdraft Notification Fee: If an account remains overdrawn, we'll notify you, but you won't be charged a fee for this notification.

View more overdraft FAQs.

Yes, we offer Dynamic Transfer, a service that transfers money from another checking, savings, or money market account to cover overdrafts in your checking account. If you're looking to open a checking account, our NoWorry Checking account doesn't have overdraft fees. We also offer Ready Reserve, a personal line of credit that can be used to cover overdrafts.* Fees apply to Ready Reserve, but they are typically less than an overdraft fee.

You can also set up account alerts within online banking to monitor your account 24/7 by creating customized text, email, push notification, or phone call alerts. You can receive notifications based on account balances, transactions, login activity, and more.**

View more overdraft FAQs.

* Subject to credit review and approval.

** Standard messaging and rates apply.

Between 9PM EST and 5AM EST on weekdays, your balance may not be updated while we are processing transactions. Please check your balance outside of those times for more current information.

Alerts may not be instantaneous, and frequency depends on user preferences and account activity. Alerts may be delayed, undelivered, or otherwise impacted by other factors including, but not limited to, service outages affecting your phone, wireless, or internet provider, technology failures, and system capacity limitations.

Our top-notch service doesn’t end when the day does. Download the First Financial Bank app or use online banking to view your checking, savings, or loan account information. Mobile and online banking offers more than 24/7 access to your accounts. You can:

  • Deposit checks (mobile only)
  • Transfer money electronically between accounts
  • Pay bills
  • Get security and account alerts
  • View documents including eStatements

Standard messaging and data rates may apply.

Yes. You’ll receive your contactless debit card the day you open your account in a financial center or within 7-10 business days by mail if you open your account online.

Every checking account we offer includes fee-free access to our more than 55,000+ Allpoint ATMs worldwide.

Out-of-network fees and rebates vary based on which account you choose. You can learn more about our checking account options by comparing accounts.

All deposit accounts are subject to the Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.

Checking versus savings: What's best for me?

The answer could be both. It really depends on your goals. We can help you determine the best fit.

What's our difference?

The differences between a regional and national bank are distinct. We're confident a regional bank (like us) is the best bet for you.

Switching banks is easier than you think

Many people stick with a bank they don't like because they think it's easier than switching. Switching banks doesn't really take much work.

GIVE US A CALL

Still have questions?
Chat with one of our professionals 

If you need any assistance, or if you just want to make sure you’re on the right track, don’t hesitate to reach out! We’ll get you in touch with a First Financial Bank team member to help with opening your new account or switching banks.


1 Your final rate will be determined based on the loan amount, term and credit score. All loans are subject to credit review and approval and rates are subject to change without notice.

2 Monthly service charge is refunded when total direct deposits for the statement period are $500 or more. Monthly service charge can be reduced by $0.20 for each debit card purchase transaction made during the statement cycle up to $10. ATM transactions are not debit card purchase transactions & will not reduce the service charge. Earn-out activities mentioned need to occur each statement cycle in order to receive the account credit(s).

3 Available to students 25 and under. To open online, account owner(s) must be 18 or older. To open for an account owner under 18, please visit your local financial center. Account opened with an owner under the age of 18 requires a parent or guardian to be a joint owner on the account. Account will automatically convert to a Choice Checking at the end of the statement cycle when the youngest owner turns 26.

4 Contact your local banking center or call our Client First Center for rate information.

5 Total deposits include any Checking, Savings, Certificates of Deposit (CD), CD IRA, Money Market, or Consumer Loans (excluding first mortgages) that are in the name of the Primary Owner. Otherwise, a $20 monthly service charge for a Performance Account and a $45 monthly service charge for a Premier Account is assessed. Visit bankatfirst.com/combinedbalance for additional detail about calculating combined balances. Earn-out activities mentioned need to occur each statement cycle in order to receive the account credit(s).

6 Ticket discounts valid for select home games and sections while supplies last. Merchandise discounts for specialty items, like jerseys and cleats, are excluded from the discount. Merchandise discount is not available at the stadium on game days.

7 Standard messaging and data rates may apply. Subject to carrier availability and processing limitations.

Carrier charges and data rates may apply for digital services.

All deposit accounts are subject to the Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.

leaving bankatfirst.com

You are about to go to a different website or app. The privacy and security policies of this site may be different than ours. We do not control and are not responsible for the content, products or services.

Just launched: the new online banking experience

Sign in now to access your account, or download the new app by searching "Your First Financial."