A group of young diverse friends smiling
A group of young diverse friends smiling

simple and straightforward checking

This account has all the features you expect from a checking account, without the monthly service charge.

Open an account

What to expect:

Enjoy a straightforward account designed to meet your financial needs with convenient features and tools.

  • No monthly service charge
  • Access to 55,000+ fee-free ATMs1
  • No minimum balance requirements
  • Free paperless statements2– delivered anytime and easily viewable in our app
  • Free debit card with Visa® Zero Liability Protection
  • Free peer-to-peer payments with Zelle™3
  • 0.35% rate discount on personal, auto, and home equity loans and lines4
  • Eligible for mortgage lending discounts5
  • Convenient digital banking features
  • Learn about our companion savings account6
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.

Smart banking for students

Enjoy straightforward accounts designed to meet the dynamic financial needs high school and college students have. Bundle your checking and savings for an easy, all-in- one banking experience.

Learn more

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.

How to switch

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 First Financial Bank & Allpoint network ATMs are fee-free for clients in this account when using their debit card to withdraw cash. When you use an ATM not owned by First Financial Bank or Allpoint, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). Non-First Financial or Non-Allpoint ATM Transaction: $3.25 per transaction; ATM Balance Inquiry: $3.25.

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

3 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.

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 Simple Savings $5 service charge per statement cycle refunded when the primary owner is also a primary or joint owner on an open First Financial Bank Simple, NoWorry, 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.