elevate your experience with an Enhanced Checking account

Take your finances to the next level with exceptional features and better relationship benefits.

Open an account
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What to expect:

Take your finances to the next level with exceptional features and better relationship benefits.

  • $25 monthly service charge is refunded with $25,000+ in total deposit balances, or $5,000+ in combined direct deposits1
  • Interest-bearing checking account2
  • No ATM fees and an $8 monthly rebate if a fee is assessed by a third party3
  • 0.50% rate discount on personal, auto, and home equity loans and lines4
  • Eligible for mortgage lending discounts5
  • Home equity line of credit (HELOC) annual and personal loan origination fees waived6
  • 5,000 bonus points when opening a new credit card
  • Free debit card with Visa® Zero Liability Protection
  • Convenient digital banking features including free paperless statements7
  • 50% discount on custom First Financial Bank checks
  • Learn about our companion money market account8
Open an account today How to get started

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

Review account requirements

To open an account online, you must be:

  • At least 18 years old (applicants under 18 can apply in a financial center)
  • A U.S. Citizen or Resident Alien
  • A resident of Ohio, Kentucky, Indiana, or Illinois
Apply online Find a financial center

Prepare your documents

What you'll need:

  • 3 minutes
  • Social Security number
  • U.S. government-issued ID (Driver’s License, Passport, Military ID, or State-issued ID)
  • For joint accounts, you’ll need the email address for the joint applicant.

Add money

To add money to your account, you'll need:

To fund your account you'll need to add at least $25.

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

You can also fund your account by using a current debit card.

It's easy to switch

Switching banks might seem complicated, but switching to First Financial takes only a few minutes, and we’ll guide you through each step of the process. The sooner you switch, the sooner you can enjoy our great benefits.

Learn more

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 Enhanced Checking monthly service charge is refunded when total direct deposits for the statement period are $5,000 or more, or when you maintain $25,000 or more in total deposit balances. Total deposit balances includes personal checking, savings, money market, CD, IRA, and HSA accounts on which the Primary owner of the Enhanced Checking is a Primary or Joint Owner.

2 This account earns interest. At First Financial Bank’s discretion, the interest rate and annual percentage yield may change at any time on your account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest on your account will be compounded continuously and credited monthly. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in your account each day. When your account is closed you will forfeit any accrued interest. Please call us toll free at 877.322.9530 or visit a First Financial Bank location near you for current rates and additional details.

3 First Financial Bank will reimburse ATM fees charged by the owner(s) of a non-First Financial Bank or non-Allpoint ATM up to $8 per statement cycle on Enhanced Checking and up to $20 per statement cycle on Premium Checking.

4 Loan rate discounts may vary based on the associated personal First Financial Bank deposit account type, may not be combined with certain other discounts or promotions, may not be available for all loan products, and cannot be applied after loan closing. To be eligible to receive a loan rate discount, prior to closing of your loan, you must complete an Automatic Funds Transfer (AFT) Agreement to have your recurring payment automatically deducted from a personal First Financial Bank deposit account (excluding Health Savings and Certificates of Deposit).

5 Lending subject to credit review and approval. Rates are subject to change. For the latest mortgage lending discount details, connect with a loan officer or call 855.664.0565.

6 Lending subject to credit review and approval. Annual fee is waived on your home equity line of credit as long as your Enhanced Checking remains open and in good standing.

7 Client must enroll in eStatements to avoid Paper Statement Fee. See Truth in Savings Disclosure for fee amount.

8 Enhanced Money Market $15 service charge per statement cycle refunded when the primary owner is also a primary or joint owner on an open Enhanced or Premium Checking account.

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