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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


VISA has made a change regarding cardholder liability for unauthorized transactions.  Effective September 1, 2017, the “Zero Liability Card Protection” provision of the First Financial Bank Account Agreement and Disclosure booklet has been revised and could impact your personal liability for any unauthorized transactions made from your debit card, making you liable in situations where you, as the cardholder, were not liable under the previous rule. The term "grossly negligent" is being replaced with "negligent," which represents a higher standard of care on your part. In the event that you experience an unauthorized transaction from your account, please notify First Financial Bank immediately, so we can begin to investigate the issue.  This will help prevent or reduce any liability on your part, but unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transaction using your lost or stolen Visa debit card.  Please be aware that under this new standard of care, you can be deemed as negligent if you do not notify us of unauthorized activity within 60 calendar days after receiving the account statement reflecting the unauthorized activity. Replacement funds for any possible unauthorized transactions are provided on a provisional basis and may be withheld, delayed, limited or rescinded based upon First Financial Bank’s investigation into the transaction(s) in question. All other terms of the Account Agreement and Disclosure remain in effect, including consumer only rights under the Electronic Fund Transfers Act and Regulation E, as applicable.

If you have questions or need help, please don't hesitate to talk to an associate at your local banking center or call our Customer Contact Center at 800-511-0045. Contact Center hours are Monday through Friday from 8:00 a.m. to 7:00 p.m. Eastern Time or Saturday from 9:00 a.m. to 2:00 p.m. Eastern Time. 

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