Please review the First Customer Identification Requirements.

First Financial Bank has the right checking program to meet your money management needs. All of our accounts provide you with a monthly Organizer statement, free 24-hour access to your account by phone or the internet, a FirstPlus ATM card or Check Card and the security of FDIC insurance.

First offers you the convenience of more than 47 banking centers. We also have the Wabash Valley's largest ATM network with more than 100 ATMs. And, if you have a question or need prompt assistance, our Customer Contact Center is live and local, with people you can talk to Monday through Friday from 8 a.m. to 6 p.m. and Saturday from 9 a.m. to noon.

Every First checking account is available with Signature Benefits -- a package of financial advantages plus travel, security and convenience benefits -- all for the low monthly fee of $5.00. That means you pay one price for lots of valuable money- and time-saving services.

¹ Issue based on credit approval. FREE for first year, $10 annual fee thereafter. ATM access is FREE with your First Plus card at a First Plus ATM. There is a $1 transaction fee when using an ATM owned by another financial institution.

² First Gold Club is for customers 50 years of age and older.

³ There is a fee for this service. Preauthorized transfer from savings (PATS) $7.00 per transfer. First Courtesy Coverage: $34 per item fee for overdrawing the account; this fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means; the bank reserves the right to require immediate payment of an overdraft or on demand; whether overdrafts will be paid is discretionary and the bank reserves the right not to pay. For example, the bank will not typically pay overdrafts if your account is not in good standings or you are not making regular deposits, or you have too many overdrafts.

⁴ First Plus Check Card is free with this account. The First Plus Check Card is required with this type of account.

First Free Checking

• No minimum balance
• No monthly service charge
• Unlimited check writing
• No per check charge
• Easy-to-balance monthly statement
• ATM/Check Card Available¹
• Online Banking and Bill Pay available²
• Check Safekeeping available
• Free 24-Hour Automated Telephone Banking
• FDIC Insured
• Overdraft Protection Available
• Signature Benefits Available

¹ Issued based on credit approval. FREE for the first year, $10 annually thereafter. ATM access is FREE when using your FirstPlus card at a FirstPlus ATM. There is a $1.00 transaction fee when using an ATM owned by another financial institution.

² Online Bill Payment for only $5.95 per month.

First Organizer

• No monthly service charge with $750 minimum daily balance; $5 monthly otherwise
• Unlimited check writing
• No per check charge
• Easy-to-balance monthly statement
• ATM/Check Card Available¹
• Online Banking Available
• Free Online Bill Payment
• Free 24-Hour Automated Telephone Banking
• FDIC Insured
• Overdraft Protection Available
• Signature Benefits Available

¹Issued based on credit approval. FREE for the first year, $10 annually thereafter. ATM access is FREE when using your FirstPlus card at a FirstPlus ATM. There is a $1.00 transaction fee when using an ATM owned by another financial institution.

First Gold Club

The First Gold Club Checking Account is an interest-bearing account designed for our more affluent customers who are age 50 and older. Gold Club Members will enjoy club membership meetings, group travel opportunities, periodic newsletters and much more.

• No monthly service charge with $5,000 average collected balance in all deposit accounts; $15 monthly otherwise
• Earns interest monthly
• Free member checks
• Unlimited check writing
• No per check charge
• Easy-to-balance monthly statement
• ATM/Check Card available¹
• Online Banking Available
• Free Online Bill Payment Available
• Free 24-Hour Automated Telephone Banking
• FDIC Insured
• Overdraft Protection Available
• Signature Benefits Available

¹Issued based on credit approval. FREE for the first year, $10 annually thereafter. ATM access is FREE when using your FirstPlus card at a FirstPlus ATM. There is a $1.00 transaction fee when using an ATM owned by another financial institution.

First Checking Fund

• No monthly service charge with $2,500 minimum daily balance; $10 monthly otherwise
• Earns interest monthly
• Unlimited check writing
• No per check charge
• Easy-to-balance monthly statement
• ATM/Check Card Available¹
• Online Banking Available
• Free Online Bill Payment Available
• Free 24-Hour Automated Telephone Banking
• FDIC Insured
• Overdraft Protection Available
• Signature Benefits Available

¹Issued based on credit approval. FREE for the first year, $10 annually thereafter. ATM access is FREE when using your FirstPlus card at a FirstPlus ATM. There is a $1.00 transaction fee when using an ATM owned by another financial institution.

First Checking Plus

• No monthly service charge with $10,000 minimum daily balance; $15 monthly otherwise
• Unlimited check writing
• No per check charge
• Easy-to-balance monthly statement
• First Plus Check Card Required for this account¹
• FREE Online Banking and Bill Pay available
• Check Safekeeping available
• Free 24-Hour Automated Telephone Banking
• FDIC Insured
• Overdraft Protection Available
• Signature Benefits Available

¹Issued based on credit approval. ATM access is FREE when using your FirstPlus card at a FirstPlus ATM. There is a $1.00 transaction fee when using an ATM owned by another financial institution.

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