Smiling businessman holding clipboard in warehouse
Smiling businessman holding clipboard in warehouse

Business checking built for growth and value

Enhanced Checking is designed for growing businesses seeking additional account capabilities and benefits. This account is a strong fit for companies with larger balances, multiple decision-makers, higher cash flow, or more advanced Treasury Management service needs.

Open an account

What to expect:

Business Enhanced Checking gives growing businesses the flexibility to manage higher activity and more advanced banking needs.

  • $25 monthly service charge waived by maintaining $25,000 in balances or bringing in $5,000 monthly in deposits1
  • Unlimited transactions2
  • No minimum balance requirements
  • Access to 55,000+ fee-free First Financial and Allpoint ATMs
  • Business Enhanced Money Market monthly service charge waived when bundled with this account3
  • Up to $25 refunded for Treasury Management services4
  • 25% discount on basic check orders with Harland Clarke5
  • Relationship lending discounts up to 0.50% with automatic funds transfer from a First Financial Bank checking account6
  • Full suite of digital banking services and tools
Open an account today How to get started

Enhanced Bundle Deals

Combine a Business Enhanced Checking account with a Business Enhanced Money Market for additional benefits.


Up to .50% relationship discount with automatic funds transfer.6


$15  Enhanced Money Market service charge waived when bundled with Business Enhanced Checking.3

I'm ready to open an account; what's next?

Review account requirements

To open an account, you must be:

  • A U.S. Citizen or Resident Alien
  • A resident of Ohio, Kentucky, Indiana, Illinois, or Michigan
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Prepare your documents

What you'll need:

  • 3 minutes
  • Employer Identification Number (EIN) or Social Security number
  • For joint accounts, you’ll need the email address for the joint applicant.

Add money

To add money to your account:

To fund your account you'll need to add at least $100.

You can easily transfer money from your old account while opening your new account.

You can also fund your account through Plaid, a manual ACH, or your debit card.

Still have questions? Chat with one of our professionals

If you need any assistance, or you just want to make sure you’re on the right track, don’t hesitate to reach out! We’ll get you in touch with a First Financial Bank team member to help you with any questions you may have.

Get in touch

1 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.

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

3 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.

4 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.

5 Qualifying standard business check orders are eligible for a 25% discount. Taxes, shipping, handling, upgrades, and other fees may still apply. All other designs charged at 100%.

6 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.