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Terms and Conditions

Select the appropriate button below to go to the terms and conditions document for the type of account you have. The document is in PDF format and may be read online or downloaded to your computer or device. If you have both a consumer and a business account, it's important to review the documents for both accounts.

If you prefer, you may visit any of our banking centers to request a printed copy. To locate the First Financial banking center nearest you, please use the Find a Branch or ATM search on the left-hand side of this page.

You may also call us at 800-511-0045 to request that a copy be mailed to you. There is no charge for receiving a printed copy in person or by mail.


Click to review terms and conditions for First Financial personal accounts

Terms and Conditions
for First Financial Bank
Consumer Accounts

Click to review terms and conditions for First Financial business accounts

Terms and Conditions 
for First Financial Bank
Business Accounts


The Terms and Conditions of your account will change effective Monday, October 28, 2019, There are two important changes to note:

  • If you have First Courtesy Coverage, the “Posting Order of Items" posted to your account is important when sufficient funds may not be available to pay all of the transactions being presented. Because of the various types of debit and credit transactions you may conduct, our posting order is intended only as a general overview.
  • The “Rate and Fee Schedule” has changed. Some fees have been updated so please review it carefully.

If you have questions, need help or want a printed copy at no charge, please talk to an associate at your local banking center or call our Customer Experieice Team at 800-511-0045. Hours are Monday through Friday from 8:00 a.m. to 7:00 p.m. Eastern Time (7:00 a.m. to 6:00 p.m. Central Time) or Saturday from 9:00 a.m. to 2:00 p.m. Eastern Time (8:00 a.m. to 1:00 p.m. Central Time). 


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