Student Checking

An overdraft occurs when you do not have enough money in your account to cover a transaction (“Insufficient Balance”), but we authorize or pay it anyway. We understand sometimes life can throw you a curveball, so we’ve simplified our policy. We offer:

$25 Buffer
When your account has been overdrawn, you get a $25 buffer. That means if your account's available balance is overdrawn by $25 or less, you won't be subject to the Overdraft Paid Item Fee.

$0 Returned Item Fee
If your transaction doesn't go through due to insufficient funds, you won't get charged a fee for the returned or declined transaction. (On your statement, you may see a fee initially charged and subsequently reversed upon being returned/declined.) If the bank does pay for the transaction, you may be subject to the $25 Overdraft Paid Item Fee.

Plus...

• Maximum of 2 Overdraft Paid Item Fees Per Day: When we pay items on your behalf, a daily limit of two (2) Overdraft Paid Item Fees may be charged, even if the number of overdrafts exceed two (2).
• No Overdraft Notification Fee: If an account remains overdrawn, we'll notify you, but you won't be charged a fee for this notification.

View more overdraft FAQs.

If you are using a First Financial Bank ATM or any of the 55,000+ ATMs included in the Allpoint network, there’s no fee. If using any other ATM, you may be charged a fee by us and the ATM owner.

Seriously. No monthly service charge.¹ We have your back.

We like to keep our clients happy. That’s why you’ll receive access to loan benefits that lower rates by 0.10% on home equity, auto or personal loans.³

We can instantly issue a card to you at any First Financial banking center. If you open an account online, you should receive your card within 7–10 business days.