Checking accounts

1 Your final rate will be determined based on the loan amount, term and credit score. All loans are subject to credit review and approval and rates are subject to change without notice.

2 Monthly service charge is refunded when total direct deposits for the statement period are $500 or more. Monthly service charge can be reduced by $0.20 for each debit card purchase transaction made during the statement cycle up to $10. ATM transactions are not debit card purchase transactions & will not reduce the service charge. Earn-out activities mentioned need to occur each statement cycle in order to receive the account credit(s).

3 Available to students 25 and under. To open online, account owner(s) must be 18 or older. To open for an account owner under 18, please visit your local financial center. Account opened with an owner under the age of 18 requires a parent or guardian to be a joint owner on the account. Account will automatically convert to a Choice Checking at the end of the statement cycle when the youngest owner turns 26.

4 Contact your local banking center or call our Client First Center for rate information.

5 Total deposits include any Checking, Savings, Certificates of Deposit (CD), CD IRA, Money Market, or Consumer Loans (excluding first mortgages) that are in the name of the Primary Owner. Otherwise, a $20 monthly service charge for a Performance Account and a $45 monthly service charge for a Premier Account is assessed. Visit bankatfirst.com/combinedbalance for additional detail about calculating combined balances. Earn-out activities mentioned need to occur each statement cycle in order to receive the account credit(s).

6 Ticket discounts valid for select home games and sections while supplies last. Merchandise discounts for specialty items, like jerseys and cleats, are excluded from the discount. Merchandise discount is not available at the stadium on game days. First Drink on Us: FC Cincinnati Debit card holders will receive a $12 credit deposited to their linked First Financial Bank checking account within 7-10 business days when they use their FC Cincinnati Debit card to make a food or beverage purchase inside TQL stadium. Limit one $12 credit per home game. Offer valid for all FC Cincinnati Home Games played at TQL Stadium. Purchases in team shop do not apply. We may deduct all, or a portion of any awarded $12 credit if a food or beverage purchase transaction is refunded/returned, when your total food or beverage purchase amount does not exceed $12, or in cases we believe fraudulent activity has occurred. First Financial Bank reserves the right to change or end this offer at any time. Accounts subject to Online Services User Agreement. All deposit accounts are subject to the Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.

7 Standard messaging and data rates may apply. Subject to carrier availability and processing limitations.

8 U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Disclaimer: First Financial Bank is solely and exclusively responsible for the establishment, maintenance, and administration of the above referenced program. Fussball Club Cincinnati, LLC, Major League Soccer, L.L.C., and Soccer United Marketing, LLC (collectively, the “League Parties”), do not assume any liability or responsibility for the administration, operation, or outcomes of the promotional program utilizing our marks, which is conducted by First Financial Bank. While our marks may be used in association with the program, the League Parties shall not be held accountable for any errors, omissions, delays, or damages arising from the organization or execution of the program by First Financial Bank. Participation in the program is at the sole discretion and risk of the participants, and any grievances or disputes related to the program must be addressed directly with First Financial Bank. The League Parties disclaim all warranties, express or implied, regarding the program and shall not be liable for any direct, indirect, incidental, special, or consequential damages as a result from or in connection with the program, including but not limited to loss of profits, loss of data, or interruption of business. By participating in the program, participants acknowledge and agree to release, indemnify, and hold harmless the League Parties and their affiliates, officers, directors, employees, and agents from any and all claims, liabilities, damages, losses, costs, or expenses, including legal fees, arising out of or related to their participation in the program.

Carrier charges and data rates may apply for digital services.

All deposit accounts are subject to the Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.