Checking Account Options Fit for You

Because everyday banking should be anything but basic.

Think all checking accounts are the same? Think again.

First Financial Bank offers a range of innovative checking accounts designed to meet your individual needs and goals. We provide seven different types of accounts, each with unique features and benefits designed specifically for you.

Refer to the table below to find the checking account that best suits your lifestyle and financial needs. Regardless of which account you choose, you’ll receive exceptional customer service that prioritizes you, ensuring that you have the support you need every step of the way. At First Financial Bank, your satisfaction and financial well-being are our top priorities.

Please note that not all accounts can be opened online. If you wish to open an account that is not available online, we invite you to visit one of our convenient branch locations.


Your Benefits:
Premier Checking
Open Account
WOW! Checking
Open Account Learn More
Interest Checking
Open Account
Heritage Checking
Open Account
Free with eStatement
Open Account
First Access Checking
Learn More
First Checking (for minors)
Learn More
Best For

The perfect interest-bearing checking account for larger balances and those who use Money Orders and Cashier’s Checks.

A fan favorite! The best option for anyone who wants more from their checking account.

Perfect for those looking to earn interest without maintaining a larger balance.

An interest-bearing account for those age 62 or better.

The perfect starter account if you are looking to open your first checking account.

A great option if you are looking for no minimum daily balance and no required direct deposit. 

Children under 18: This joint account is designed to help children learn the value of responsible spending.
Cell Phone Protection
Checkmark
Up to $10,000 Travel Accidental Death and Dismemberment Insurance
Checkmark
Roadside Assistance
Checkmark
Fully Managed Fraud Resolution Services
Checkmark
Up to $1 Million Identity Theft Reimbursement Coverage
Checkmark
Travel and Leisure Discounts
Checkmark
RideShare Protection
Checkmark
Health Discount Savings
Checkmark
Complimentary Money Orders, Cashier Checks
Checkmark
Pays Interest
Checkmark
Checkmark
Checkmark
Foreign ATM refunds per month

Up to $15

Up to $6    

Up to $10    
Free Branded Checks (1 order annually)
Checkmark
Checkmark
Checkmark
Minimum to Open

$25

$25

$25

$25

$25

$25

$0
Monthly Fees

$12 if average balance falls below $10,000

$6 monthly maintenance fee, reduced by $.10 for each qualified debit card transaction.*

$6 if average balance falls below $1,000

$0

$0

$4.99

$0

Premier Checking

Open Account

  • Best For

    The perfect interest-bearing checking account for larger balances and those who use Money Orders and Cashier’s Checks.

  • Complimentary Money Orders, Cashier Checks

    Checkmark

  • Pays Interest

    Checkmark

  • Foreign ATM refunds per month

    Up to $15

  • Free Branded Checks (1 order annually)

    Checkmark

  • Minimum to Open

    $25

  • Monthly Fees

    $12 if average balance falls below $10,000

WOW! Checking

Open Account Learn More

  • Best For

    A fan favorite! The best option for anyone who wants more from their checking account.

  • Cell Phone Protection

    Checkmark

  • Up to $10,000 Travel Accidental Death and Dismemberment Insurance

    Checkmark

  • Roadside Assistance

    Checkmark

  • Fully Managed Fraud Resolution Services

    Checkmark

  • Up to $1 Million Identity Theft Reimbursement Coverage

    Checkmark

  • Travel and Leisure Discounts

    Checkmark

  • RideShare Protection

    Checkmark

  • Health Discount Savings

    Checkmark

  • Minimum to Open

    $25

  • Monthly Fees

    $6 monthly maintenance fee, reduced by $.10 for each qualified debit card transaction.*

Interest Checking

Open Account

  • Best For

    Perfect for those looking to earn interest without maintaining a larger balance.

  • Pays Interest

    Checkmark

  • Foreign ATM refunds per month

    Up to $6    

  • Free Branded Checks (1 order annually)

    Checkmark

  • Minimum to Open

    $25

  • Monthly Fees

    $6 if average balance falls below $1,000

Heritage Checking

Open Account

  • Best For

    An interest-bearing account for those age 62 or better.

  • Pays Interest

    Checkmark

  • Foreign ATM refunds per month

    Up to $10    

  • Free Branded Checks (1 order annually)

    Checkmark

  • Minimum to Open

    $25

  • Monthly Fees

    $0

Free with eStatement

Open Account

  • Best For

    The perfect starter account if you are looking to open your first checking account.

  • Minimum to Open

    $25

  • Monthly Fees

    $0

First Access Checking

Learn More

  • Best For

    A great option if you are looking for no minimum daily balance and no required direct deposit. 

  • Minimum to Open

    $25

  • Monthly Fees

    $4.99

First Checking (for minors)

Learn More

  • Best For

    Children under 18: This joint account is designed to help children learn the value of responsible spending.

  • Minimum to Open

    $0

  • Monthly Fees

    $0

*Qualified debit card transactions include Pinned Point-of-Sale (POS) transactions, Signature POS transactions and Pinless Bill Pay - POS debit transactions.

All Accounts Include:

  • Online & Mobile Banking

    When you are on the move, digital banking lets you quickly and conveniently access your accounts from anywhere.

  • Complimentary Debit Card

    Choose from over 200 unique debit cards that are instant-issued at account opening.

  • Credit & Money Management Tools

    Monitor your credit, track your spending, build a budget and more.

  • Monthly eStatement

    Stay on top of your accounts with electronic statements that are included at no additional charge.

  • Send and Receive Money with Zelle®*

    A simple, secure way to send money to family, friends, and people you know and trust.

  • Paper Statement with Images

    Optional if you prefer a paper copy each month. ($2, with images)

    *U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    Need help transferring your recurring payments and direct deposit to your new First Financial account? Our 1Click tool makes it easy.

    Learn About 1Click

    See what our customers are saying, don’t just take our word for it!

    • Rating: 5 out of 5 stars
      Donna K
      Have used this bank for 35 yrs and we are happy/ no problems / kind, professional & friendly service!! 😊
      Abilene customer
    • Rating: 5 out of 5 stars
      Deb P
      Nice quiet bank, very clean and friendly people. I came here yesterday to get a document notarized. As a non-customer, I paid $5 which is very reasonable. I appreciated the friendliness.
      Rising Star customer
    • Rating: 5 out of 5 stars
      Jessica S
      I had a issue with my zip code being wrong on my debit card and krista at glen rose location was able to get me all fixed and on the way in less then 5 minutes
      Glen Rose customer

    Resources

    • One color icon of a calcutor

      Loan Calculator

      Estimate monthly payments in just a few minutes so you can plan your next loan with confidence.

      Visit Calculators
    • Icon of a newspaper

      Fraud Prevention Articles

      Learn how to spot a scam and keep your accounts and personal information secure.

      Learn More
    • Question icon

      Help Center

      Find answers and support for everyday banking, or reach our team directly.

      Contact Us