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Checking Accounts

First Financial Bank’s checking accounts make managing your money a breeze. We provide all the latest tools and services you need, including a monthly statement, free 24-hour account access online and by phone, free online bill payment, a FirstPlus Check Card and the security of FDIC insurance.
First offers you the convenience of 73 banking centers and a large ATM network. If you have a question or need quick assistance, our Customer Contact Center has people you can talk to Monday through Friday from 8 a.m. to 6 p.m. and Saturday from 9 a.m. to 1 p.m., Eastern Time.
Every First checking account is available with Signature Benefits — a package of money-saving advantages plus travel, security and convenience benefits — all for only $5.00 a month.

See a side-by-side comparison of our checking accounts here.

First Connect

The First Connect account is designed for customers who do all their banking, pay bills and receive monthly statements exclusively online.
  • No minimum balance
  • No monthly service charge*
  • Free FirstPlus Check Card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection available
  • Signature Benefits available

First Organizer

  • No monthly service charge with $500 average daily collected balance or at least 25 debit card point of sale transactions per statement cycle***; $4 monthly otherwise
  • Unlimited check writing
  • No per check charge
  • Free FirstPlus Check Card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection available
  • Signature Benefits available

First Gold Club

The First Gold Club account is an interest-bearing checking account designed for customers who are age 50 and older. Gold Club members enjoy monthly membership programs, group travel opportunities, periodic newsletters and much more.

  • No monthly service charge with $3,000 average daily collected balance; $15 monthly otherwise
  • Earns interest monthly
  • Free member checks
  • Unlimited check writing
  • No per check charge
  • Free FirstPlus Check Card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection available
  • Signature Benefits available

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
  • Free FirstPlus Check Card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection available
  • Signature Benefits available

First Checking Plus

  • No monthly service charge with $10,000 minimum daily balance; $15 monthly otherwise
  • Unlimited check writing
  • No per check charge
  • Free FirstPlus Check Card (required for this account)**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection available
  • Signature Benefits available


*With First Connect, there is a $1 fee for each check presented for payment, including a remotely created check; and a $3 fee for each paper statement requested. A remotely created check, rather than an electronic debit, may be created by an entity or individual you are paying and you provide your account number and authorize the debit.
** The FirstPlus Check Card is issued 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.
***A point of sale (POS) transaction is one in which you use your FirstPlus Check Card to pay a merchant for a purchase or pay a bill. POS transactions do not include ATM transactions.

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