NoWorry Checking

You shouldn’t have to stress about the balance in your bank account. That’s why we created NoWorry Checking to have no overdraft fees or minimum balance requirement…ever. And that’s a promise.

Perfect for you if:

You're looking for a safe and affordable account to help you avoid overdrafts.

You want access to loan benefits that lower rates by 0.10% on personal, auto, and home equity loans and lines.1

Open an account Learn how to get started

What to expect:

$5
monthly service charge

  • No overdraft fees—not now, not ever
  • 55,000+ fee-free ATMs worldwide
  • Free eStatements2
  • Instant issue contactless debit card
  • Online banking with mobile deposit, bill pay and more
  • No minimum balance requirements
  • $25 initial deposit required to open
  • Does not earn interest

Get to know the way we bank

Nobody likes to worry, especially about their finances. Here’s a quick look at the benefits you’ll enjoy with NoWorry Checking:

No overdraft fees

Overdraft FAQs

Loan benefits on personal, auto, and home equity loans and lines1

View lending options

Savings and money market accounts available

Learn more

Mortgage closing cost discounts3

Compare mortgages


Did you know?

Our NoWorry checking account is BankOn certified, which gives consumers more confidence to begin or restart their banking relationship with the right tools to manage their money. Our goal is to ensure everyone has access to a safe and affordable bank account.

I'm ready to open an account; what's next?

  • Account requirements

To open an account online, you must be:

  • 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
Start the online application Find a financial center to apply in person
  • Required documents

What you'll need:

  • 5-10 minutes
  • 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 for the joint applicant.
  • Add money

To add money to your account, you'll need:

A debit or credit card with CVV code to transfer at least $25 to your new account.

Frequently asked questions

It’s easy to open a NoWorry 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.

This account has ZERO overdraft fees and no minimum balance required. No worrying about your account balance. Lucky you!

If you are using a First Financial Bank ATM or any of the 55,000+ ATMs included in the Allpoint network, there’s no fee. If using any other ATM, you may be charged a fee by us and the ATM owner.

We like to keep our clients happy. That’s why you’ll receive access to loan benefits that lower rates by 0.10% on home equity, auto or personal loans.1

We can instantly issue a card to you at any First Financial banking center. If you open an account online, you should receive your card within 7–10 business days.

Yes, in addition to using your debit card for purchases, you can write checks. You can order checks online, by phone, or visit a financial center and an associate can help you.

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.

Compare account options

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.

5 reasons to bank with us

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.

View our switch-kit

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.

Get in touch

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 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.

3 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.

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.