business checking built for how you work

First Financial Bank's business checking options include unlimited transactions, digital banking access, fee-free access to First Financial and Allpoint ATMs, and relationship benefits that can help support your broader financial needs.

Choose Simple Checking for straightforward everyday banking with no monthly service charge and no minimum balance requirement. Select Enhanced Checking if your business has more advanced banking needs, larger balances, or Treasury Management service needs. For certified 501(c)(3) organizations, Non-Profit Checking offers nonprofit-focused benefits with no monthly service charge.

1 $3 paper statement fee if not enrolled in electronic statements (eStatements).

2 Transactions include: Checks paid, deposit tickets, checks deposited, ACH credits and debits received.

3 You may be eligible for a rate discount on your business unsecured line of credit or business loan secured by equipment, other assets or commercial real estate based on your relationship with First Financial Bank. Your loan rate discount can vary based on your eligible First Financial Bank checking account and/or your combined balances. To receive these benefits, you must open the qualifying checking account and complete the AFT setup prior to your loan closing. For lines of credit, the loan rate discount will be applied to the margin, which lowers the variable annual percentage rate. The total annual percentage rate is made up of the applicable index and the margin. Loan discount rates are not eligible for the following products: BizFlex, Micro loan, SBA, business credit cards, or non-owner occupied commercial real estate.

Relationship pricing cannot be applied to your loan after loan closing. Checking accounts may be subject to minimum balances, service charges and other rules and features. Refer to Account Terms and Conditions and the Special Handling / Electronic Banking Disclosure of Charges for further information. A First Financial Bank loan officer can help you find the product which may best match your needs.

If you make changes to your checking account relationship with First Financial Bank after your loan closing, the loan rate discount you received may be discontinued. Consequently, your rate may increase by the corresponding discount percentage you received at the time of closing. A rate increase will change your required minimum monthly payments. Lending subject to credit review and approval. Annual fee is waived on your home equity line of credit or personal loan as long as your Enhanced Checking remains open and in good standing.

4 The $25 Business Enhanced Checking service charge per statement cycle will be refunded when you maintain at least $25,000 in eligible total deposit balances or receive at least $5,000 in qualifying monthly deposits. Eligible balances include business checking, savings, money market, and CD accounts where the Primary Owner of the checking account is also a Primary or Joint Owner. Qualifying monthly deposits include client-initiated deposits and exclude credits provided by First Financial Bank, such as refunds, rewards, bonuses, or similar credits.

5 Eligible Treasury Management services receive a 25% discount, capped at $25 per month. The discount applies only to fees charged directly by First Financial and is calculated on the cumulative monthly fees for each service.

6 Business Simple Savings $5 service charge per statement cycle is refunded when the primary owner is also a primary or joint owner on an open and active transactional business checking account. Account must be in good standing with a positive balance.

7 Business Enhanced Money Market $15 service charge per statement cycle is refunded when the primary owner is also a primary or joint owner on an open and active transactional business checking account. Account must be in good standing with a positive balance.

8 Program terms and conditions apply.