Spending Account Options

Save time and money with our flexible spending accounts. All of our personal accounts include unlimited check writing, free ATM transactions within our network, free Visa® check card, and free online banking and bill payment.

Order Checks - Personal

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= service offered eFree e-Student preferred money market
Unlimited check writing included included included included
No-fee ATM transactions within FFB network included included included included
Visa check card included included included included
Panorama*Available only as part of a bundled package included included included included
No-fee online banking & bill payment included included included included
e-Statements and Notices included included included included
Mobile banking included included included included
Overdraft protection, ready reserve and/or dynamic transfer*Upon qualification. included included included included
Variable rate interest*Variable tiered rate which can change daily based on a number of factors, including the average weekly yield of the nation's top money market funds. Call for current rates. not-included not-included included included
Complimentary First wallet checks not-included not-included included included
Check images returned with monthly statement not-included not-included included included
No-fee official checks and money orders not-included not-included included 1 per month
Discounted annual rental of safe deposit box not-included not-included included included
Monthly cost of service $4 $4 $10 $10
Minimum deposit to open account $100 $10 $25 $1,000
Balance to waive monthly cost of service sign up for electronic statements*enroll through online banking sign up for electronic statements*enroll through online banking $200 $2,500
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Preferred Checking

If you're over 50, then this is the account for you. Free check orders. Online bill payment. Reduced-size copies of the checks you've written. You'll also earn tiered interest - so the more you save, the more you earn!

eFree Checking

Back to basics. No monthly service charge, free benefits and on-the-go account access, including electronic statements.


Open Account

e-Student Account

Banking anywhere, anytime for students 13 and older. Manage your money with great features like mobile banking, but without the paper.

Money Market Account

A robust spending account loaded with complimentary products that also pays you a competitive rate of interest.

Visa Check Card

Use your First Financial Bank Visa Check Card everywhere Visa check cards are accepted. The funds are deducted directly from your spending account and include convenient account access at ATM machines. Best of all, you can be sure that your Visa check card is always safe to use, in-store and online.

Overdraft Protection Solutions

Get the coverage you need to write checks, use your check card, or make ATM transactions without worrying about being denied.

Learn More about Overdraft Protection