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First Connect Checking

Our Online and Mobile Only 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.1

Full Access to Digital Banking Tools with No Maintenance Fee

Our digital banking tools are yours free with First Connect Checking! You only pay for the checks you write.

No minimum balance1
$1 Check Writing2
Free eStatement

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Maintenance Fee

$0 monthly fee

There is no monthly maintenance fee 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.3

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Standard features for all checking accounts at First Financial

Want to see all our personal checking options?

Our personal checking account comparison allows you to compare accounts side-by-side to find the best fit. Also, don't hesitate to visit or call your nearest First Financial banking center to discuss our personal checking account options. We look forward to helping you choose the account that best meets your needs with the features you want.

Do you need financial services beyond personal checking?

Your financial success is our first priority. First Financial Bank also offers savings accounts, investment accounts, and more to help meet your needs.

Learn more about the personal services available at First

Open a new First personal checking account? Make the transition easier with the First Switch Kit!

At First Financial Bank, we want your switch to be easy. This switch kit simplifies the process of moving your accounts to just a few steps. You can duplicate, complete and send the enclosed forms electronically or manually. The forms can be saved, printed, emailed, faxed or mailed. Use this kit the way that suits you best.

Download the First Personal Switch Kit

Need help?


Customer Experience Team
(800) 511-0045

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

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

Online Banking Questions

Customer Service Questions

Send a secure message inside First Online Banking
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  1. 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.

  2. With First Connect, there is a $1.00 fee for each check presented for payment, including a remotely created check. 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.

  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. ATM access is FREE when using your FirstPlus card at a FirstPlus ATM. There is a $1.75 transaction fee when using an ATM owned by another financial institution. The transaction fee is $2.00 as of October 28, 2019. Certain restrictions apply concerning replacement cards. Visa is a registered Trademark of Visa.

  5. 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.

  6. PIN and ATM transactions do not earn Rewards! points. FirstPlus Visa® debit card signature and swipe transactions earn one point for every three dollars spent.

  7. Zero Liability Fraud Protection does not apply to ATM transactions or PIN transactions not processed by Visa®. Notify First Financial Bank immediately of any unauthorized use. For specific restrictions, limitations and other details regarding unauthorized use, see your account agreement.

  8. There is a fee for service.

    Preauthorized Transfer from Savings (PATS): $12.00 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. The per item fee is $38.00 as of October 28, 2019. 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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