Smart. Flexible. Customizable.


Welcome to Smart Business Solutions with First Financial Bank. 

As your business grows, so can your Smart Business Banking solutions. Enjoy flexibility by changing or adding services based on your business’s current and future needs. Designed to be easy, flexible and customizable, you will work directly with your local banking team to identify the right combination of solutions to build an account which meets the current needs of your business.

Smart Business Checking Account

Start your business on the path to success by opening a Smart Business Checking account today at your local banking center. With only $100 minimum balance to open your Smart Business account gives you access anywhere, anytime. The following solutions are included with your account:

Transaction Account

  • Business Checking with debit card*

*If not enrolled in eStatements, a $4.00 monthly paper statement fee applies.


Complimentary Services

  • Online/Mobile Banking
  • eStatements
  • Bill Pay
  • 200 Transactions per month without fees**

**A per-transaction fee of $.35 may apply for each transaction exceeding 200 per month.

Additional Services

  • Cash Management
  • Line of Credit Pay Down
  • Visa® Business Card
  • QuickPay
  • Prepaid Transactions
  • StraightPay
  • First Worklife Employees Banking
  • Remote Deposit Capture
  • Loyalty Rewards
  • Business First Line of Credit
Banking Tailored to Your Business

How do you know your business is headed in the right direction? It's your life, your vision, your 365-days-a-year obsession. In a few easy steps, our Small Business Analyzer will help us determine the best financial solutions for your business. We’ll then follow up personally to begin an authentic relationship with one goal – your success

Let us help your business on the path to success

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Work. Life. Our goal is to help employees balance work and life by providing financial solutions to improve their quality of life. That's why all employees deserve something extra when it comes to banking.



First Financial can help you make your business more successful with flexible and savvy equipment finance solutions. The way you finance equipment can make a significant difference.



Properly structured financing can play a major role in building your business and making it more profitable. That's why we offer a wide variety of commercial lending options designed to meet your business needs and to achieve your financial goals.

Add Smart, Flexible
& Customizable Solutions

Whether it’s for now or the future, the Smart Business Banking suite of products helps your business grow, save you time and travel, and provide additional security. Let us work with you to help select the right tools:evolve.

  • Smart Business Line of Credit*

    Smart Business Line of Credit*

    Our Smart Business Line of Credit is specifically designed for growing businesses and provides an unsecured line of credit from $10,000 to $50,000.

    Learn More
  • Remote Deposit Capture

    Remote Deposit Capture

    Scan your check deposits electronically without having to leave the office.

    Includes $35 monthly maintenance fee and $15 monthly usage fee.

    Learn More
  • Card Solutions

    Card Solutions

    Take control of how your business spends money - while earning rewards!

    Receive your VISA® Check Card at the time of account opening. Easily make purchases and have the amount of your purchase be directly deducted from your business account.

    Sign up for our no annual fee VISA® Business Credit Card*. Receive a 10.49% rate, including cash advances.
    *Subject to credit approval.

    Learn More
  • Merchant Services

    Merchant Services

    Our full-service card processing options can help strengthen customer relationships, improve cash flow and streamline payment process.

    Includes a complimentary dongle and $.28 fee per transaction.

    Learn More
  • Positive Pay

    Positive Pay

    We offer multiple solutions to safeguard important financial information about your business and help mitigate the risk of fraud.

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Business Card Solutions

No matter what your business needs are, we have a corporate card to match! Explore our solutions and discover the great benefits that come with banking at First Financial.

Visa® Business Card

Use your Visa® Business Card to protect your business against unauthorized purchases, insure your business travelers, simplify tracking and reporting and get online access to your business' spending information.

Check Card

Need to make a business purchase? Just present your First Financial Visa Business Check Card, sign the receipt and the amount of your purchase will be automatically deducted from your business checking account.

*Subject to credit approval

SBA Loans

We are a Preferred Lender of the Small Business Administration, as well as, consistently recognized as one of the Top 10 Lenders in Ohio. We offer a variety of loans based on the needs of your small business.

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Transition & Succession

Whether managing a successful career or preparing for your future, having a financial plan is essential to creating a lasting and meaningful legacy while protecting the assets you've worked hard to gain.

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Equipment Finance

The way you finance equipment can make a significant difference. That's why our knowledgeable team can explain various loan and lease options that are tailored to your needs. Subject to credit approval.

Learn More