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Checking Accounts That Reflect Your Needs

Today, perhaps more than ever, it’s important to know you’ve placed your trust and hard-earned money somewhere you know has your best interest at heart.

As your trusted financial partner for life, rest assure, we care and are here for you. If you’re looking for a safe and secure checking account, we have two accounts designed for you.

Each offer flexibility and automatically come with all of our free digital services as well as other benefits you deserve.  When you’re ready for a new vehicle or home, you’ll receive a discount on your loan rate just for using your checking account.*

Check it out for yourself, and you’ll discover we have the only checking account you need. We are ready, willing and able to answer any questions you may have and to open your account—in person at one of our branches, on the phone or via our secure chat.

Free Convenience Checking – no minimum balance or direct deposit requirements; no monthly maintenance fee and so much more                                

Prime Checking – pay dividends on balances of $1,000+; no direct deposit requirements and more1


All-inclusive automatic benefits—to save you time and money:


Free Visa Debit Card


Free Online Banking
and Mobile Banking

mobile icon

Mobile Check Deposit

Free Access to over 30,000 ATMs
more than the big banks


Free Telephone Banking


Free eStatements

Other Benefits:

  • Discount on your next auto and/or real estate loan2
  • Higher dividends on SuperSavers (a liquid savings account)3

1Must maintain the minimum balance of $1,000 in this Account to earn dividends.
2Member-only discounts require automatic payments from your FFCU checking account and qualifying products and/or services.
3Note: 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.

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.

If your Visa Debit Card is lost or stolen:

US: (888) 297-3416 or call us at (800) 537-8491
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.

Visa's "Zero Liability" Policy

Added protection for your peace-of-mind.

Learn More >>

To activate your First Financial cards, please call us at (800) 537-8491.

For after hours, please call:
US: (800) 290-7893
International: (206) 624-7998

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.


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