1 APY = Annual Percentage Yield and valid for new accounts opened on the date above. All rates and APYs are determined at the bank's discretion, may vary by location, and can change at any time. To obtain stated rates, certain products may require additional accounts, services and/or maintaining of a defined minimum daily balance. For variable rate products, rates are subject to change after the accounts id opened. For fixed rate products, rates are for the initial term only and will renew to closest standard term product at the published rate at that time. Call or visit a financial center for additional details. Fees may reduce earnings and early withdrawal fee may be imposed. First Financial Bank reserves the right to end the offer at any time. All deposits are subject to the Account Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.

2 APR = Annual Percentage Rate. Introductory rates start at 6.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Eligible on owner occupied properties only. Must apply by December 31, 2024 for promotional rate. Non-promotional rate ranges from 7.35% to 10.80% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

3 Annual Percentage Rate (APR) will be 0% for all purchases made and balance transfers completed during the first 12 months after account opening (“Promotional Period”). Offer valid on purchase and balance transfers only. You cannot use cash advances, or balance transfers to pay an existing balance on other First Financial Bank credit cards or loans. No interest will be due on purchases made and balance transfers completed during the Promotional Period, if the purchases and balance transfers are paid in full prior to the end of the Promotional Period. After the Promotional Period ends, the APR will be your current annual percentage rate, which may vary with the market based on Prime rate.

Earn one point per dollar of spend on Visa® Platinum with credit lines up to $4,999. Credit lines of $5,000 or more will be automatically upgraded to the Visa Signature Rewards card and earn 1.25 points per dollar of spend.

Points are earned based on qualifying net purchases using your First Financial Visa Platinum Rewards Credit Card, Visa Signature Rewards Credit Card, or Visa FC Cincinnati Credit Card. Qualifying purchases are defined as purchases minus returns and/or other related credits. The account must be in good standing to earn points. Accounts do not earn points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind. Credits to your account (such as returns of purchases) will reduce the points available in your account. Points expire after 60 months. Subject to credit approval. See full rewards terms and conditions for the Visa Platinum Rewards Credit Card, Visa Signature Rewards Credit Card, and Visa FC Cincinnati Credit Card.

All credit cards are subject to credit review and approval. A First Financial Bank deposit account is required for approval on lines over $5,000.

4 Monthly service charge is refunded when total direct deposits for the statement period are $500 or more. Monthly service charge can be reduced by $0.20 for each debit card purchase transaction made during the statement cycle up to $10. ATM transactions are not debit card purchase transactions & will not reduce the service charge. Earn-out activities mentioned need to occur each statement cycle in order to receive the account credit(s).

First Financial Bank is not affiliated with any third parties mentioned above. Any reference to any person, organization, activity, product, and/or services does not constitute or imply an endorsement. By clicking on a third-party link you acknowledge you are leaving bankatfirst.com.

All deposit accounts are subject to the Account Terms and Conditions, Special Handling/Electronic Banking Disclosure of Charges, and possibly other disclosures.