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Your First Financial Checking Account can help you save more and earn more money.

Checking Accounts Built on Better Value

First Financial offers two checking accounts that come with features to save you time and money so you can concentrate on things that matter to you. Choose the checking account that best suits your needs.

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In addition, having a First Financial Checking account gives you additional value-added benefits:

  • Auto Loan Rates—receive a 1.50% rate reduction when you finance your next auto loan with First Financial1
  • SuperSavers—earn higher Savings yields with your checking account with SuperSavers, our fully-liquid Savings account.2
1Member-only discounts require automatic payments from your FFCU checking account and qualifying products and/or services.
2Note: Dividend yield will be increased for a maximum of 5 elective products/services, 2 of which must be checking and Direct Deposit/Payroll Deduction. Other restrictions may apply. Call or refer to your Truth-in-Savings Agreement for complete details.
1. Click 2. Shop 3. Enjoy
to activate offers to your
Visa Debit Card
with your card to
redeem activated offers
cash back at the
end of next month

If you’re enrolled in Online Banking, you can earn cash back rewards by using your First Financial Visa Debit Card with our free service, eRewards. You can earn cash by activating your special eRewards offers when you use your Visa Debit Card to make your purchases. Your cash back is then automatically deposited to your First Financial checking account for rewards earned the prior month. It’s that easy!

To activate your eRewards offers, log on to Online Banking and click the eRewards section (located under Bill Pay). The eRewards offers are based on your shopping history and are updated regularly, so be sure to check back often to activate the latest offers.

Log into Online Banking to pick your offers today

Cash back will automatically be deposited to your FFCU checking account for rewards earned the prior month

smsGuardian™ Fraud Prevention

Receive text-message alerts if suspicious activity occurs so you can take action right when it happens

Learn More >>

Visa's "Zero Liability" Policy

Added protection for your peace-of-mind.

Learn More >>

First Financial Visa® Debit cards feature chip technology for added security.
image of debit card
Simple. Secure. Smart.


See below for more details.
Receive an enhanced level of security. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction to be authenticated so it’s virtually impossible to replicate in a counterfeit card.

Check out with ease. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete.

Enjoy global acceptance. More places than ever now accept chip cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.
Answers to questions about chip technology

Q: What is a chip card?

A: First Financial Visa Debit Cards now feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?

A: When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code helps reduce in-store fraud.

Q: Where can I use a chip card?

A: You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.

Q: Can I still swipe my card to pay?

A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.

Q: Does my chip card work at the ATM?

A: Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

Q: Will I have to pay any fees to use a chip card?

A: No. There are no additional fees to use a chip card.

This free service sends account alerts & notifications to your email and/or mobile device* to keep better track of your finances. Setting up your alerts is quick and easy!

Set up Alerts & Notification
  1. Go to Online Banking and click on Additional Services menu tab
  2. Click on Alerts & Notifications
  3. Update email and/or mobile phone number to receive the alerts


  4. Click on Add Alert


  5. Select alerts & notification to add.


Message and data rates from your mobile carrier may apply.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to your Platinum Visa or a checking or savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transaction unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if First Financial Credit Union pays my overdraft?

Under our standard overdraft practices, the following will apply:

  • Non-Sufficient Funds (NSF) -- we will charge you a fee of up to $35 each time we pay an overdraft.
  • However, we will not charge you an NSF fee more than 3 times per account per day (the maximum total NSF fee per account per day is $105 (3 x $35)).

What if I want First Financial Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions:

  1. Log into Online Banking
  2. Click on Card eServices
  3. Click on the REG E Opt In/Out form.
If your Visa Debit Card is lost or stolen, please contact us at (800) 537-8491. For After Hours, please contact (800) 682-6075 or click HERE.

1Must maintain the minimum balance of $1,000 in this Account to earn dividends.

2Free Checks for Life only applies to FFCU Image Checks. Other restrictions apply.

31,850 ATMs are restricted access.
4Surcharge-free transactions are available for debit and ATM card holders of participating credit unions.

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