Rewarding you because it's right

Start a checking account with only $25 and receive no service charges for the first 60 days. Other benefits include interest rate discounts on home, car, motorcycle, and RV loans. Plus, enjoy 0% interest for 12 months when you open a First Financial credit card.** You can also link to a savings account to provide overdraft-protection transfers, at no charge.*** And, if you bleed Orange and Blue, select an FC Cincinnati debit card to get exclusive discounts on tickets and merchandise.* Get a checking account that’s more than a debit card.

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Simple Checking
Open online
Choice Checking
Open online
Performance Checking
Open online
Premier Checking
Open online
Why we love it
Simple and straightforward with the features you expect from a checking account without a monthly fee.
Our most popular option. An easy-to-waive monthly fee, expanded fee-free ATM access and relationship discounts on loans.
Get paid to bank—earn interest and get rewards like loan discounts and fee waivers on ATMs.
Earn interest with our top-of-the-line account and take advantage of higher savings rate and loan rate discounts.
Monthly service charge 1
$0
$8 or $0 with debit card activity or $500+ in direct deposits 2
$20 or $0 with $50,000+ in combined deposit & loan   balances 3
$45 or $0 with $250,000+ in combined deposit & loan balances 3
Earns interest 5
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Checkmark
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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.
Checkmark
180+ FFB ATMs
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55,000+ ATMs worldwide
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55,000+ ATMs worldwide
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55,000+ ATMs worldwide
Fee-free out-of-network ATMs
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No FFB fee, plus up to $8/month rebate for ATM owner fees.
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No FFB fee, plus up to $20/month rebate for ATM owner fees.
Free or discounted checks
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50% discount
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Free money orders and cashier checks
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Free incoming and outgoing domestic wires
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Free paper statements 6
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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.
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FC Cincinnati benefits *
Select the FCC debit card at account opening and use your card to get ticket discounts, 10% off select team merchandise, and entries to promotional giveaways.
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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 7
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0.10% off rate
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0.25% off rate
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0.35% off rate
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0.60% off rate
No annual fee on home equity line of credit 8
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f1RST+TM Mortgage Program 9
Earn a rate discount when you open a new Performance or Premier Checking Account, along with automatic funds transfer (AFT) and the direct deposit of your paycheck into the First Financial account.
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Mortgage closing cost discounts 8
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5,000 credit card rewards bonus points 8
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NoWorry Checking
Open online
Student Checking
Open online
Why we love it
No overdraft fees or minimum balance—ever.
This account makes the grade with no monthly fee or minimum balance and free online and mobile banking.
Monthly service charge 1
$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. 4
Earns interest 5
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
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
Fee-free out-of-network ATMs
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Free or discounted checks
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Free money orders and cashier checks
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Free incoming and outgoing domestic wires
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Free paper statements 6
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
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.
Checkmark
Checkmark
FC Cincinnati benefits *
Select the FCC debit card at account opening and use your card to get ticket discounts, 10% off select team merchandise, and entries to promotional giveaways.
Checkmark
Checkmark
No monthly service charge DreamMaker Savings
Checkmark
Checkmark
No monthly service charge Premier Money Market
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Loan discounts on personal, auto, motorcycle, boat, RV, and home equity loans/lines 7
Checkmark
0.10% off rate
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0.10% off rate
No annual fee on home equity line of credit 8
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
f1RST+TM Mortgage Program 9
Earn a rate discount when you open a new Performance or Premier Checking Account, along with automatic funds transfer (AFT) and the direct deposit of your paycheck into the First Financial account.
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Mortgage closing cost discounts 8
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5,000-point credit card rewards bonus points 8
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I'm ready to open an account; what's next?

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To fund your new account, you’ll need:

  • A debit or credit card number with CVV code, in order to transfer funds to your new account
  • Routing and account numbers of a checking or savings account at another bank

Want more? Check out our blog

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

Here’s how to switch banks in four easy steps

Facing upcoming college expenses? Get first-hand advice from a student who knew the value of saving early.

Not quite there yet? Learn why so many people use their phones to manage their finances.


1 Earn-out activities mentioned for Premier Checking, Performance Checking, and Choice 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.

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 $8.

3 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.  

4 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.

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

6 Client must enroll in eStatements to avoid a $3 paper statement charge with Simple Checking, Choice Checking, and Student Checking, and a $2 paper statement charge with NoWorry Checking.

7 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.

8 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. Additional qualifications may apply.

9 Funds applied to discount cannot be used for closing costs or funds needed to close.

* 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.

** Annual Percentage Rate (APR) will be 0% for all purchases made and balance transfers completed during the first 12 months after account opening (“Promotional Period”). Offer valid on purchase and balance transfers only. You cannot use cash advances or balance transfers to pay on any other First Financial Bank credit card or loan. No interest will be due on purchases made and balance transfers completed during the Promotional Period, if the purchases and balance transfers are paid in full prior to the end of the Promotional Period. After the Promotional Period ends, the APR will be your current annual percentage rate, which may vary with the market based on Prime rate.

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

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.

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