Whether you prefer your checking with no minimum balance, extra benefits, or dividend earning power, we have a checking account for your busy lifestyle! We offer 4 great options, each featuring: unlimited check-writing; ATM access and our Free Visa Check Card; Free Online Banking and Bill Payment Service; Free Direct Deposit and Payroll Deduction, and much more! Plus, you can view your cancelled checks online with our Free eStatements!

Free Checks for Life* with Any FFCU Checking Account! Free Checking (Budget Checking) Our free checking is simply that: FREE! There are no minimum balance or direct deposit requirements! You can open our free checking for as little as $5.00! Benefits Checking For a low $5 monthly fee, this checking account provides you with access to over $300 of extra benefits annually. Some of the extra benefits include Identity Theft Insurance and Travel Discounts, along with much more! Value Checking With a minimum $500 balance, you can earn competitive dividends while enjoying this flexible checking account. Money Market Checking You can earn more money with this high-yield checking account, with a minimum of $2,500 balance.

Dividends
Value Checking and Money Market Check Option accounts pay dividends (or interest). Click here for dividend rates and information.

Monthly Fees
A Budget Checking account does not require a monthly fee. The $10.00 fee for the Value Checking and Money Market accounts is waived if your balance stays above the minimum balance requirement indicated. Additionally, some services associated with a First Financial Checking account may incur a fee if the service is used. Please refer to our Fee Schedule, Fee Schedule Addendum and our Truth in Savings Agreement for full details.

Minimum Balance
In order to receive the dividend associated with a First Financial Checking account, the daily minimum balance amount indicated must be maintained in the account. If your daily balance falls below this amount, then no daily dividend will be accrued.

First Financial Visa Check Card
Each First Financial Checking account offers the convenience of the exclusive First Financial Visa Check Card. This card gives you access to your funds almost anywhere you can find an ATM or point of sale terminal.

Non-FFCU ATM Withdrawals
Your First Financial Checking Account gives you 10 FREE non-FFCU ATM withdrawals a month. Some non-FFCU ATM machines will charge you a fee for usage, so check with the ATM owner to determine any applicable fees.

You also have access to over 3,600 CO-OP ATMs, at which you can withdraw money without a surcharge. To find a No-Surcharge CO-OP ATM near you click here.

Overdraft Protection
Enjoy the convenience of our Overdraft Protection. First Financial will set up your checking account to pay overdrafts from 1 to 4 accounts that you define. Please refer to our fee schedule for full details.

Direct Deposit
Your First Financial Checking Account comes with our Direct Deposit service for your convenience. You can have all or just a portion of your payroll check deposited into your FFCU checking account automatically. Call (800) 537-8491 or visit your local branch office for details.

Other Checking Services
Receive two copies of your paid checks free per month. Please refer to our schedule of fees for the fees related to these two services.

Disclosures - click here to read our current Fee Schedule, Fee Schedule Addendum or Truth In Savings Agreement (Adobe Acrobat Reader required).

*Free Checks for Life offer is only available for First Financial Image checks. Other limitations may apply.

To report a lost or stolen ATM Debit Card Call (800) 754-4128

First Financial is federally insured by NCUA.