Compare Checking Accounts

If you're not sure which First Financial checking account is right for you, compare the benefits and features here. For additional information, click LEARN MORE under the account names below. You're always welcome to talk to one of the helpful customer service representatives at any First Financial banking center if you have questions or need help choosing the right account.
First Financial Bank Checking Account Features

First Provider

about First Provider Checking

First Organizer

about First Organizer Checking

First Connect

about First Connect Checking
A good choice if You want an account with
money-saving and security
features that go beyond ordinary
You want an account that
earns interest and offers basic
money management tools
You want to do all of your
banking and pay your bills
exclusively online 
Minimum deposit
to open
$50 $50 $50
Service charge $6.00
Active duty, veteran and
retired members of the
military receive a $1.00
discount off the monthly fee.1
None with $500 average daily balance 
OR a minimum of 25 FirstPlus
debit card point-of-sale transactions per
statement cycle.2  $4.00 otherwise.
None as long as all account
activity is electronic.3
Interest bearing No Yes No
Checks One free box of checks
per year4
Price varies Price varies
Check writing Unlimited Unlimited $1.00 fee when a check
is presented for payment3
Your choice of free 
electronic statements or
free paper statements.
Electronic statements are free.
$3.00 fee for each paper 
statement provided. Fee waived
if you are 62 or older.
Electronic statements are free.
$3.00 fee for each paper 
statement provided. Fee waived
if you are 62 or older.
Online and
Mobile Banking
Free5 Free5 Free5
Online Bill Pay Free Free Free
Debit Card
Free6 Free6 Free6
Available7 Available7 Available7

1 To receive the military discount, a Military ID, VA card or Form DD214 must be presented at the time the account is opened.

2 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.

3 With First Connect, there is a $1.00 fee for each check presented for payment, including a remotely created check; and a $3.00 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 pay) to make payments. This account provides, at no charge, a FirstPlus debit card, online banking with bill pay 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, login, and remain active, in online banking and consent to receive electronic statements.

If you have not enrolled, logged in, and remained active, 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 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.

4 One free box per year - any style or design - only valid on personal checking products excluding licensed product checks. Your free checks will be mailed to you within 2 weeks after you open your account.

5 Mobile Banking is free from First Financial Bank, but data and text messaging charges from your service provider may apply.

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. Certain restrictions apply concerning replacement cards.

7 There is a fee for service.
Preauthorized Transfer from Savings (PATS): $10.00 per transfer.
Overdraft Line of Credit:
$5.00 monthly participation fee. A revolving line of credit that will transfer funds in $100 increments when sufficient funds are not available in your checking account. Minimum repayment of amounts transferred from your Line of Credit will be 5.0% of your outstanding balance plus all accrued interest, or $50.00, whichever is greater, or the balance if less than $50.00. Please be aware that the Overdraft Line of Credit is a consumer loan and that credit approval is required.
First Courtesy Coverage:
$36.00 per item fee for overdrawing the account. 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.

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