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First Organizer Checking

Our Interest-Bearing Checking Account

The First Organizer account includes the latest tools and services to make money management easy and convenient.

Full Access to Digital Banking Tools with No Maintenance Fee

Our digital banking tools are yours free with First Organizer Checking! No maintenance fee when you carry the minimum average daily balance or consistently use your FirstPlus Visa® debit card for purchases and bill payments.1 
Earn Interest Monthly
Unlimited Check Writing
Free eStatement

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Maintenance Fee

$0 or $4 monthly fee

There is no monthly maintenance fee when you maintain a $500 average daily balance or at make least 25 debit card point of sale transactions per statement cycle. $4.00 monthly otherwise.1

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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
Log in > Go to Secure Forms in top navigation > Secure Email

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  1. 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.

  2. 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 fee is $2.00 per transaction beginning October 28, 2019. Certain restrictions apply concerning replacement cards. Visa is a registered Trademark of Visa.

  3. 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.

  4. 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.

  5. 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.

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 beginning 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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