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African-American man sipping coffee and looking at smartphone
African-American man sipping coffee and looking at smartphone

joining the digital banking revolution

More people use online banking to manage their finances. Here’s why you should, too.

You may feel like you don’t know how to get started managing your finances digitally, but once you start, you won’t be able to stop! The proof is in the numbers: Nearly 80% of adults prefer to bank via a mobile app or website.1 And this number is growing rapidly.

Did you know?

  • 73% of smartphone users used an app to manage their finances in the past month.2
  • 69% of Americans primarily use some form of online banking to manage their day-to-day finances.3

So why use online and mobile banking?

Woman accessing First Financial Bank mobile app on smartphone

Why is digital banking so popular? First and foremost, it offers loads of convenience. Can’t get down to the bank or an ATM to deposit a check? No problem—use your phone. Need to pay your bill right now? Your phone, computer, or tablet can handle that, too.

While the features available through mobile banking can vary from bank to bank, most banks let you tackle the most important stuff through online or mobile banking, including:

  • Setting up real-time alerts
  • Depositing checks
  • Managing your loans and credit cards
  • Checking your balances

Our mobile and online banking app can do everything you need to make your life easier.

Real-time alerts

Digital banking apps put control of your money at your fingertips every moment of every day. But you probably don’t want to constantly open your bank app to make sure your direct deposit posted, check your balances, and ensure that your account is secure. Real-time alerts let you create customized real-time activity alerts that you receive directly to your phone. You can set up low balance alerts, transaction alerts, and more. With First Financial’s app you can even choose between email, text message, or app notifications.

Benefits of Bill Pay

Automate your monthly bills the easy way. Some banking apps and online banking platforms (ours is one of them) have the ability to handle your monthly bills. Bill Pay lets you pay bills in seconds and makes it easy to schedule recurring payments. Save money by never missing a payment and save time by having confidence that your bills are taken care of.

Need to pay someone quickly? Bill Pay lets you skip third party payments systems and pay directly from your checking account safely and easily. Did you know:

  • 84% of online U.S. consumers used P2P to transfer funds to someone else during 20224
  • 41% of U.S. consumers say they make no purchases using cash in a typical week5

Mobile deposit

53% of Americans deposited at least one check using mobile deposit in 2022,6 and for good reason. Mobile deposit lets you skip the trip to a bank location and deposit your checks from wherever you are using a banking app. Mobile deposit is simple, secure, and most of all – fast. When you use our app to deposit your check, up to $225 will be available instantly.7

Insights into your financial future

You have financial goals and your banking app can help you reach them. With our Insights tool you can easily integrate all your financial accounts in one place. From credit cards to loans, 401ks, and even other institutions' accounts, Insights makes it easy to see the big picture. You can manage your budget by analyzing spending trends and categories and set financial goals to help you save for a big trip, an emergency, or just your future.

Manage your loans and credit cards

Do you have a credit card or a mortgage but not a checking or saving account with us? You can still use online banking and our app to manage your payments and view your balances. But, it would be a lot more fun if you added a checking or saving account to take advantage of the rest of the awesome tools our digital banking has to offer.

Beware of fraud

Consider these steps for keeping safe while doing your banking online.

  • Change your passwords regularly—as frequently as every 30 to 90 days
  • Opt-in to multi-factor authentication, if available
  • Don’t do your online banking while on public computers or public Wi-Fi networks
  • Review your account statements to identify any unauthorized transactions

It’s as easy as 1, 2, 3…

If you aren’t a client with us just yet, we recommend starting with a checking account. To learn more and apply, head over to our checking page.

Already a client? Getting started is easy.

  1. Enroll in online banking
  2. Download the First Financial Bank mobile banking app
  3. Log in using your smartphone, review the disclosure agreements, and register your device.

You now have access to online services including mobile deposit, balance check, bill pay, real-time alerts, and money transfers—all right at your fingertips.

1 "U.S. Consumer Banking Statistics 2023," By Jenn Underwood and Elizabeth Aldrich, Forbes.com, March 24, 2023; https://www.forbes.com/advisor/banking/banking-trends-and-statistics/

2 "Finance app usage statistics by month," Think with Google; https://www.thinkwithgoogle.com/marketing-strategies/app-and-mobile/finance-app-usage-statistics-by-month/

3 "Digital banking trends in 2023," By René Bennett, Bankrate, March 13, 2023; https://www.bankrate.com/banking/digital-banking-trends-and-statistics/#traditional-trends

4 "84% of Consumers Have Used Peer-to-Peer Services," By Maggie Davis, LendingTree.com, June 27, 2022; https://www.lendingtree.com/personal/peer-to-peer-services-survey/

5 "More Americans are joining the ‘cashless’ economy," By Michelle Faverio, Pew Research Center, October 5, 2022; https://www.pewresearch.org/short-reads/2022/10/05/more-americans-are-joining-the-cashless-economy/

6 "2022 Mobile Deposit Benchmark Report: the industry leading digital deposit playbook," Mitek, August 24, 2022; https://www.miteksystems.com/blog/2022-mobile-deposit-benchmark-report

7 Deposits are subject to verification and not available for immediate withdrawal. Daily deposit dollar and count limits may vary and are subject to change at our discretion. Data or message fees from your wireless carrier may apply. Online banking enrollment is required for Snap Deposits and Mobile Apps. Accounts subject to Online Services User Agreement.

The information on this page is accurate as of May 2023 and is subject to change. First Financial Bank is not affiliated with any third-parties or third-party websites mentioned above. Any reference to any person, organization, activity, product, and/or service does not constitute or imply an endorsement. By clicking on a third-party link, you acknowledge you are leaving bankatfirst.com. First Financial Bank is not responsible for the content or security of any linked web page. Member FDIC / Equal Housing Lender.

Online banking terms and conditions apply to the use of these services. Please refer to the Online Services User Agreement for further details.

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