Personal Checking Accounts

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Convenience, security, and service come standard.

First Financial offers a variety of personal checking accounts to help you successfully manage your money and achieve your financial goals. They are complemented with among the best online and mobile services you'll find anywhere. We never stop working to bring you more features and updates to ensure they meet the highest standards of security and ease of use.

Compare the benefits and features of each checking account below. If it would be helpful, we can assist you in selecting the account that best fits your goals and lifestyle. Stop by your nearest First Financial banking center to speak with an associate and open your new account.

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Compare checking accounts to help find the one that fits you best.

  First Provider Checking First Organizer Checking First Connect Checking
Interest Bearing
Checks Order one free box per year3 Varies Varies
Check Writing Unlimited Unlimited $1 per check2
Monthly Statement Free paper or electronic statement Free electronic statement Free electronic statement
IDProtect®
Identity Theft Monitoring & Resolution Service* 4, 7
Cellular Telephone Protection7
Accidental Death & Dismemberment Insurance5, 7
Debit Advantage® Buyer’s Protection
& Extended Warranty5, 7
Travel & Leisure Discounts*8
$hopping Rewards™*
Health Discount Savings*
This is not insurance.
Minimum Opening Deposit $50 $50 $50

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Maintenance Fees

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Standard features for all checking accounts at First Financial

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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

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

Online Banking Questions
FirstOnline@first-online.com

Customer Service Questions
CustomerContact@first-online.com

Send a secure message inside First Online Banking
Log in > Go to Secure Forms in top navigation > Secure Email

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  • ✱ Registration/activation required. Available online only

  • ✧ Some features not available with Health Savings Account (HSA)

  • † Feature not available with Health Savings Account (HSA)
  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. 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.

    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, 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.

  3. 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.

  4. 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.

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

  6. Receive up to $300 of replacement or repair costs if your eligible cell phones are stolen or damaged. (Cellular telephone bill must be paid through this account.)

  7. Special 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. Coverage 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 or guaranteed by the Bank or any Bank affiliate.

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

  9. 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. Certain restrictions apply concerning replacement cards. Visa is a registered Trademark of Visa.

  10. 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.

  11. 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.

  12. 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.
  13. 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. 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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