Send Money Instantly with First Financial Pay Your Friend

Transfer Funds From Your Account To Your Friend’s in Real Time

Pay Your Friend is a quick and secure way of sending and receiving money from friends and family free of charge! As easy as emailing or texting, use Pay Your Friend to pay babysitters, split a check for dinner, or send a birthday gift.

If you’re a First Financial Bank customer with a First Financial checking account, follow these steps to set up the Pay Your Friend service. Once initial setup is complete you will no longer need to complete steps 3 and 4 to send money in real-time.

Login to online banking through your desktop or First Financial’s mobile app using your username and password. Select ‘Pay Your Friend’ from the left-hand navigation menu. (If you do not see this as an option within your personal online banking account, contact our Customer Care Team at 855-660-5862 )
  1. Read and accept the First Financial Bank Pay Your Friend Service Agreement and Privacy Notice.
  2. Register your First Financial Bank debit card.
  3. Send your payment securely using your PIN.
  4. Select a friend from the contacts list on your mobile device or add your friend on a desktop.
  5. The recipient will receive a text or email with a link to accept the funds.

First Financial Bank does not charge transaction fees to send money using First Financial’s Pay Your Friend. Please consult the Account Disclosures for any limitations or fees associated with the type of account you have. Message and data rates from your mobile carrier may apply.

If the recipient, the person you are sending the funds to, accepts the payment using their U.S. debit card, they will typically get the money within a few minutes of entering their debit card information.

If the recipient chooses to enter their banking account routing and account number, the payment will be sent via ACH. If accepted before 4 p.m. Central Time, the recipient should receive the money in their bank account within 1-2 business days. If the payment is accepted after 4 p.m., then add an additional business day to allow for processing.

The recipient has 10 days to accept the payment. If the payment is not accepted, it will be returned to the account where the payment was initiated.

First Financial’s Pay Your Friend is a person-to-person (P2P) payment service that lets you send money to anyone with a U.S. bank account using an email address or mobile number.

Yes, you’ll need to have access to your First Financial accounts within online banking or through the mobile app.

All consumer accounts in good standing are eligible to send payments using Pay Your Friend once the account has been opened for 90 days.

You can send up to $500 in a single transaction or up to $500 within a 24-hour period. You can pay friends and family up to $5,000 during a month or 30-day rolling period.

We work hard to help ensure your account information remains secure. When you send money with First Financial’s Pay Your Friend, recipients will not see your account number and you will not see theirs. Each payment uses the PIN associated with the debit card making every transaction authorized and secure.

You can pay anyone who has a bank debit card or account located in the U.S. Payments cannot be made internationally, including to Canada or Mexico.

Yes, you will enter your personal identification number (PIN) when sending money through Pay Your Friend. Note that the PIN pad scrambles after you enter each digit. If the PIN is entered incorrectly, your card may be locked. Please contact Customer Care at 855-660-5862 for questions regarding your PIN.

Notify the bank immediately if you suspect unauthorized transactions, error, or suspicious activity at toll free 855-660-5862.

You may cancel a payment if the recipient has not accepted it. Contact Customer Care at 855-660-5862 to cancel a Pay Your Friend payment.

For security purposes, you should only pay people you know. P2P transactions are real-time and similar to cash.

P2P payments are real-time payments sent through authenticated and secure systems. Pay Your Friend is designed to be used to pay friends and persons that you trust. It is not a good idea to send real-time funds to people you do not know. These payments can be high risk, and if P2P is not used correctly, you may lose your money. Remember, never share your online banking credentials or debit card PIN with anyone.