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Checking Your Way

First Financial Bank’s checking accounts give you plenty of options to do your banking when, where and how it's convenient for you. We provide all the latest tools and services to make managing your money a breeze, including free 24-hour account access online and by phone, free mobile banking and mobile check deposit using our custom apps for your smartphone, free online bill pay, a FirstPlus debit card and the security of FDIC insurance.

First Financial offers you the convenience of 71 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.

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. To maintain this account, you must enroll in online banking and consent to receive electronic statements.

  • No minimum balance
  • No monthly service charge*
  • Free FirstPlus debit card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection 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 debit card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection 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 debit card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection 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 debit card**
  • Free Online and Mobile Banking
  • Free Online Bill Payment
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection 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 debit 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***


* 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 to whom you provide your account number and authorize the debit. 

The First Connect account is designed for customers who exclusively use electronic means (check card, ACH, online banking including bill payment) to make payments. This account provides, at no charge, a FirstPlus Check Card, online banking with bill payment and access to electronic statements, which include electronic check images. 

To maintain this account, you must have access to a device that: 1) meets the operating system, Internet browsing, and other requirements set forth in the First Online Terms and Disclosures; and 2) connects to a non-public network. You must also enroll in online banking and consent to receive electronic statements.

If you have not enrolled in online banking and consented to receive electronic statements within 30 days from the date of account opening (the Enrollment Period), or if you later revoke your consent to receive electronic statements, this account will be converted to the First Organizer account. The First Organizer account provides a paper statement (unless you elect to receive statements electronically), but may include, among other fees, a monthly service charge if certain conditions are not met. If your account is converted to a First Organizer account pursuant to this paragraph, you will be provided with a Truth in Savings Disclosure for the First Organizer account.

** The FirstPlus debit 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.

***There is a fee for this service. Preauthorized transfer from savings (PATS): $10.00 per transfer. First Courtesy Coverage: $34.00 per item fee for overdrawing the accoount. This fee applies to overdrafts created by check, in-person withdrawal, other electronic transactions and, if you request, ATM and one-time debit card transactions. The bank reserves the right to require immediate payment of an overdraft on demand; whether overdrafts will be paid is discretionary and the bank reserves the right not to pay. For example, the bank typically will not pay overdrafts if your account is not in good standing, you are not making regular deposits or you have too many overdrafts.

**** A point of sale (POS) transaction is one in which you use your FirstPlus debit card to pay a merchant for a purchase or pay a bill. POS transactions do not include ATM transactions.

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