Overdraft Privilege: Stay Protected

Checks, check cards and ATM cards provide easy access to your funds to make withdrawals, purchases and payments. You now control whether or not you want to continue overdraft privilege coverage for ATM withdrawals and everyday check card transactions.

Why opt in?

First Financial's overdraft privilege is designed with you in mind. Without overdraft privilege or one of our other overdraft options, your ATM and everyday check card transactions will be declined if you attempt to make a transaction without sufficient funds.

What is covered?

If you are enrolled in overdraft privilege, we authorize and pay up to $500 in overdrafts for checks, ATM transactions, automatic bill payments and everyday check card transactions that use your checking account number.

Is overdraft privilege automatic?

Overdrafts are paid at the discretion of First Financial Bank. Not all transactions will be authorized or guaranteed. If a transaction is not authorized for overdraft protection, the transaction will be declined.

What fees will be charged?

We assess a fee of $34 each time we pay an overdraft. Your account will be charged $8 per day beginning on the fifth business day if your account remains overdrawn. There is a no limit on the total fees we can charge you for overdrawing your account.

If you would like to receive overdraft privilege, please complete the opt-in form, below or fill in the form available at your nearest First Financial banking center. For questions and for more information, please call 877.322.9530.


Please submit the form below to opt-into overdraft privilege. All fields are required.

All fields are required unless noted


For questions and more information, please call our Client Service Center at 877-322-9530
M-F 8:00am-8:00pm EST
Sat 8:00am-5:00pm EST