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First Provider Checking

Help Secure Your Peace of Mind

Peace of mind. It’s one of the most important benefits we can provide as your bank. With unrivaled security and smart savings, First Provider Checking makes it easier to protect your finances, save money on everyday purchases and enjoy your life. It’s a simple and affordable way to help secure your peace of mind and stretch your budget.

Spend Smarter with Exclusive Savings

Everyday banking and entertainment benefits are yours free with First Provider Checking!

Unlimited Check Writing
Paper or eStatement
Box of Checks1
Travel and Leisure Discounts*6
$hopping RewardsTM*
Health Discount Savings*

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Help Keep Yourself and Your Family Safe from Fraud

You can rest easy knowing that you and your family are protected by our comprehensive IDProtect® Identity Theft Monitoring and Resolution Service2, which includes:

Identity Theft Expense Reimbursement Coverage
Debit and Credit Card Registration*
3-in-1 Credit File Monitoring*
Total Identity Monitoring*

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Protect Yourself from Unexpected Loss

Accidental Death and Dismemberment Insurance5
Cellular Telephone Protection5
Debit AdvantageTM 45

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Maintenance Fee

$6.00 monthly fee

Active duty, veteran and retired members of the military receive a $1.00 discount off the monthly fee.

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

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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

Locate Us

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✱ Registration/activation required. Available online only. Credit file monitoring may take several days to begin following activation.

1. 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 two weeks after you open your account.

2. IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

3. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.

4. Item(s) must be purchased entirely with eligible account.

5. Special Insurance Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance is offered through the company named in the Guide to Benefit or on the certificate of insurance.

Insurance products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

6. Money-saving discounts from thousands of local and national businesses. Redeem and print coupons online or access discounts from your smartphone.

7. 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 beginning October 28, 2019. Certain restrictions apply concerning replacement cards. Visa is a registered Trademark of Visa.

8. 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.

9. 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.

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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