More benefits when you bank with us

There’s so much you gain and so much you can do, depending on the account you choose. Want to keep things simple? We’ve got one for that. How about a chance to earn interest? Yup, there’s one for that, too. Start a checking account with only $25 and no service charges for the first 60 days. Plus, link your savings account to provide overdraft-protection transfers, at no charge.2 You can even get a branded FC Cincinnati debit card with special team discounts3 and club news if you live within 75 miles of Cincinnati.

Premier Checking
Open online
Performance Checking
Open online
Choice Checking
Open online
Simple Checking
Open online
Monthly Service Charge 4
$45 or $0 with $250,000+ in combined deposit & loan balances 5
$20 or $0 with $50,000+ in combined deposit & loan   balances 5
$8 or $0 with debit card activity or $500+ in direct deposits 6
$0
Earns interest 8
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Fee-free in-network ATMs
Where's an ATM when you need it? Use a First Financial Bank ATM at any time, and depending on the account opened, you can get additional access to our 55,000+ ATM network of Allpoint ATMs nationwide.
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55,000+ ATMs worldwide
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55,000+ ATMs worldwide
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55,000+ ATMs worldwide
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180+ FFB ATMs
Fee-free out-of-network ATMs
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No FFB fee, plus up to $20/month rebate for ATM owner fees.
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No FFB fee, plus up to $8/month rebate for ATM owner fees.
Free or discounted checks
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50% discount
Free money orders and cashier checks
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Free incoming and outgoing domestic wires
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Free paper statements 9
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More perks, discounts and better rates available when you bank more with us
Open a checking account and take advantage of these additional relationship benefits when you open a savings or money market account, personal loan, mortgage or credit card.
No monthly service charge DreamMaker Savings
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No monthly service charge Premier Money Market
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Loan discounts on personal, auto, motorcycle, boat, RV, and home equity loans/lines 10
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0.60% off rate
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0.35% off rate
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0.25% off rate
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0.10% off rate
Mortgage Plus Program eligible 11
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No annual fee on Home Equity Line of Credit 11
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5,000-point credit card rewards bonus points 11
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NoWorry Checking
Open online
Student Checking
Open online
FC Cincinnati Checking
Open online
Monthly Service Charge 4
$10 or $5 with completion of approved financial education course
$0
If any owner(s) are under 18, please open at your nearest banking center. 7
$6 or $0 with direct deposit or daily minimum balance of $1,000
Earns interest 8
No overdraft fees
Checkmark
Fee-free in-network ATMs
Where's an ATM when you need it? Use a First Financial Bank ATM at any time, and depending on the account opened, you can get additional access to our 55,000+ ATM network of Allpoint ATMs nationwide.
Checkmark
180+ FFB ATMs
Checkmark
55,000+ ATMs worldwide
Checkmark
55,000+ ATMs worldwide
Fee-free out-of-network ATMs
Free or discounted checks
Free money orders and cashier checks
Free incoming and outgoing domestic wires
Free paper statements 9
Checkmark
With direct deposit and $1,000 minimum daily balance
More perks, discounts and better rates available when you bank more with us
Open a checking account and take advantage of these additional relationship benefits when you open a savings or money market account, personal loan, mortgage or credit card.
No monthly service charge DreamMaker Savings
Checkmark
Checkmark
Checkmark
No monthly service charge Premier Money Market
Loan discounts on personal, auto, motorcycle, boat, and RV loans 10
Checkmark
0.10% off rate
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0.10% off rate
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0.10% off rate
Mortgage Plus Program eligible 11
No annual fee on Home Equity Line of Credit 11
5,000 credit card rewards bonus points 11

Want more? Check out our blog

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Joining the digital banking revolution

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1 Carrier charges and data rates may apply.

2 $0 dynamic transfer fee when linked for overdraft protection.

3 Ticket discounts valid for select 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.

4 Earn-out activities mentioned for Premier Checking, Performance Checking, Choice Checking and FC Cincinnati Checking need to occur each statement cycle in order to receive the account credit(s). The NoWorry Checking earn-outs only need to occur once during the life of the account.

5 Total deposits includes 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.  

6 Statement 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 $8.

7 Available to students 25 and under. Converts to Choice Account at age 26. To open online, account owner(s) must be 18 or older. To open for an account owner under 18, please visit your local banking center.

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

9 Client must enroll in eStatements to avoid a $3 paper statement charge with Simple Checking, Choice Checking, Student Checking, and FC Cincinnati Checking, and a $2 paper statement charge with NoWorry Checking. If FC Cincinnati Checking has a minimum daily balance of $1,000 and receives a direct deposit during the statement cycle, the paper statement charge will be refunded for that statement cycle and appear on the statement as an account credit.

10 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. Automatic transfers from a First Financial checking account are required in order to be eligible for the full loan rate discount.

11 All loans are subject to credit review and approval and rates are subject to change without notice. Contact your local banking center or call our Client First Center for more information.

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

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First Financial Bank is not affiliated with any third-party websites. Any reference to any person, organization, activity, product, and/or services does not constitute or imply an endorsement. First Financial Bank is not responsible for the content or security of any linked web page.