Simple Checking

Simple and straightforward. Flexible and accessible. This account has all the features you expect from a checking account, without the monthly fee. When in doubt, go with Simple.

Caucasian woman smiling while holding smartphone and coffee

Perfect for you if:

You’re looking for all the basic features of a checking account without a monthly fee or minimum balance.

You want access to a 0.35% rate discount on personal, auto, and home equity loans and lines.1

Open an account Learn how to get started
Senior couple using laptop, surrounded by houseplants

What to expect:

  • $0 monthly service charge
  • 55,000+ fee-free ATMs worldwide
  • Free eStatements2
  • Instant issue contactless debit card
  • Online banking with mobile deposit, bill pay and more
  • No minimum balance requirements
  • $25 initial deposit required to open
  • Does not earn interest

Simply great things about Simple Checking

Take advantage of these perks included with Simple Checking:

Illustration of dollar sign and zero

No monthly service charge

".35%" inside a downward arrow

Loan benefits on personal, auto, and home equity loans and lines1

View lending options
Illustration of house

Mortgage closing cost discounts3

Compare mortgages
Illustration of a piggy bank with a coin being deposited

Savings and money market accounts available

Learn more
Blue icon of an up arrow and a dollar sign in a circle

f1RST® Balance Boost short-term loans

View program details
Illustration of shield with checkmark

Overdraft options when you need them

Overdraft FAQs

I'm ready to open an account; what's next?

Young African-American man smiling, wearing headphones and working on laptop
  • Account requirements

To open an account online, you must be:

  • At least 18 years old (applicants under 18 can apply in a financial center)
  • A U.S. Citizen or Resident Alien
  • A resident of Ohio, Kentucky, Indiana, or Illinois
Apply online Find a financial center

Frequently asked questions

It’s easy to open a Simple Checking account with us.

  1. Requirements: At least 18 years old (applicants under 18 can apply in a financial center); a U.S. Citizen or Resident Alien; a resident of Ohio, Kentucky, Indiana, or Illinois.
  2. Documents: Social Security number; U.S. government-issued ID (Driver’s License, Passport, Military ID, or State Issued ID); for joint accounts you’ll need the email address of the joint applicant.
  3. Add money to your account: A debit or credit card number with CVV code to transfer at least $25 to your new account.

Woman stretching in gym before workout

Checking versus savings: What's best for me?

The answer could be both. It really depends on your goals. We can help you determine the best fit.

Compare account options
Woman’s hand holding First Financial mug in front of downtown Cincinnati background

What's our difference?

The differences between a regional and national bank are distinct. We're confident a regional bank (like us) is the best bet for you.

5 reasons to bank with us
Woman walking away waving goodbye

Switching banks is easier than you think

Many people stick with a bank they don't like because they think it's easier than switching. Switching banks doesn't really take much work.

View our switch kit
Smiling male African-American banker sitting at desk in a First Financial office
Smiling male African-American banker sitting at desk in a First Financial office

GIVE US A CALL

Still have questions?
Chat with one of our professionals 

If you need any assistance, or if you just want to make sure you’re on the right track, don’t hesitate to reach out! We’ll get you in touch with a First Financial Bank team member to help with opening your new account or switching banks.

Get in touch

1 Can be applied to new originations of personal, auto, motorcycle, boat, RV, and home equity loans/lines (excludes mortgages and first lien position home equity loans). Loan rate discounts may vary based on First Financial Bank checking account type (excluding Health Savings and Money Market Savings accounts) and requires Automatic Funds Transfer (AFT) Agreement to have your recurring payment automatically deducted. All loans are subject to credit review and approval and rates are subject to change without notice.

2 Client must enroll in eStatements to avoid a $3 paper statement charge with Simple Checking, Choice Checking, and Student Checking, and a $2 paper statement charge with NoWorry Checking.

3 All loans are subject to credit review and approval and rates are subject to change without notice. Contact your local banking center or call our Client First Center for more information. Additional qualifications may apply.

Carrier charges and data rates may apply for digital services.

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