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First Connect Checking

Our Paperless Checking Account  
The First Connect account is for you if you prefer to do your banking, pay bills and receive monthly statements exclusively online. There is no monthly service charge as long as all of your banking activity is electronic. To maintain this account, you must enroll, log in, and remain active in online banking and consent to receive electronic statements.

  • No minimum balance
  • No monthly service charge1
  • Free FirstPlus debit card2
  • Free Online and Mobile Banking3
  • Free Mobile Deposit4
  • Free Online Bill Pay
  • Free monthly eStatements
  • Free 24-Hour Automated Telephone Banking
  • FDIC insured
  • Overdraft Protection available5

What would you like to do?

  • See side-by-side comparison of our checking account features

  • Call us at 800-511-0045 for more information.

    Monday through Friday
    8:00 a.m. to 7:00 p.m. ET

    9:00 a.m. to 2:00 p.m. ET

  • Open an account in person at one of our banking centers
    Locate the banking center nearest you with the Find a Branch or ATM search on the left side of this page.


1 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.

2 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.

3 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, log in, 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 Mobile Banking is free from First Financial Bank, but data and text messaging charges from your service provider may apply. Not all accounts or customers are eligible for Mobile Deposit.

5 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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