Overdraft Services: Stay Protected

First Financial Bank offers the coverage you need to write checks, use your check card or make ATM transactions without worrying about being denied. Overdraft Privilege, Ready Reserve and Dynamic Transfer, Opt-In to ATM and debit/check card purchases is available for all everyday account relationships.

Overdraft Privilege

Overdraft Privilege (ODP) is the bank’s discretionary overdraft policy, intended to provide excellent client service by helping our clients avoid the headaches of returned checks.

ODP is a discretionary courtesy that is extended to clients in good standing to cover an unexpected overdraft. You will be automatically enrolled in our Overdraft Privilege Program after being an account holder in good standing thirty days after you open your checking account.

Opt-In for one time ATM and POS debit/check card purchases

Make your choice on one-time debit and ATM overdraft coverage. If you have not opted-in to overdraft coverage for one-time debit card or ATM transactions, your debit or ATM card will be declined if you don’t have enough money in your account to cover a purchase or ATM withdrawal. When you Opt-In we will authorize payment of those transactions!


Ready Reserve*

If you overdraw your account, funds are transferred from your line of credit to your checking account. You will be notified, and you have the opportunity to pay back your ready reserve account at any time.

Dynamic Transfer

If your account is overdrawn, dynamic transfer uses available funds from another account you authorize to cover the overdraft on your checking account. First Financial makes the transfer automatically on your behalf and saves you the inconvenience and embarrassment of expensive overdraft and bounced-check fees.

Checks and debits presented for payment in excess of the available balances of the Ready Reserve, Dynamic Transfer accounts or the Overdraft Privilege limit will be returned.

*Ready Reserve is subject to eligibility requirements and credit approval.