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Young man using smartphone in busy city setting

f1RST® Balance Boost

Borrow up to $600. Easy online application. No credit check required.1

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Good for you if:

  • You need cash quickly to cover a surprise expense or an emergency
  • You need less than $600
  • You currently have a First Financial personal checking account

More details

  • Borrow $200 - $6001
  • Once approved, cash is transferred into your checking account
  • Pay back over three equal monthly payments1
  • 4% loan fee (borrow $200, pay back $208)1
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How do I qualify? It's easy. Here's how:

  • You must be enrolled in Online Banking and have an eligible First Financial personal checking account1
  • The amount you can borrow is based on your recent checking account history
  • No credit check required
Frequently asked questions

Ready to get a boost?

If you are already a First Financial Bank client, you are most of the way there.

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Sign into online banking or the mobile app, click on the account you want to boost, then select "Balance Boost."

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Open and complete the f1RST Balance Boost personal loan application.

Pro-tip: Make sure to select the checking account you want to boost during the application process, it does not auto-select.

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Your Balance Boost transfers into your checking account in as little as 5 minutes1

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You're a few clicks away

Access Balance Boost by logging into online banking or using the First Financial mobile app.

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Frequently asked questions

This digital only loan is available to any primary or joint owner of a First Financial Bank personal checking account. Eligible checking accounts include Simple, Choice, Student, Performance and Premier and excludes business, Health Savings, and NoWorry accounts. You must be 18 or older, be enrolled in Online Banking and have an eligible checking account open for 30 days or more.

1 Balance Boost is a borrowing feature included with most personal use First Financial Bank checking accounts. Any joint account holder must be 18 or older and enrolled in Online Banking to use Balance Boost. With an eligible checking account open for 30 days or more, your ability to use Balance Boost and the amount you are able to borrow is based on your First Financial Bank checking account history, including but not limited to account balances, transactions, overdrafts and return history. An active or recent bankruptcy or other legal process may disqualify you.

Balance Boost is subject to terms and conditions on your loan agreement. You can borrow in increments of $1 with a minimum borrowing amount of $200. The maximum amount you may be eligible to borrow is $600. Although your credit score is not used to determine eligibility, once you borrow money using Balance Boost, your account and activity will be reported to the credit bureaus. Balance Boost may positively or negatively affect your credit score. The Courtesy Cash limit on your checking account is reduced when you have an outstanding balance on your Balance Boost.

Funds may be deposited into and available in your First Financial Bank checking account in as quickly as 5 minutes. Although 5 minutes is typical, there may be times when funds are not deposited and available in your checking account until the next day depending on processing times. A Balance Boost loan must be paid in full with at least a one business day waiting period before another Balance Boost loan may be approved (only one outstanding loan at a time per checking account and per individual). No more than three Balance Boost loans may be approved within a rolling 6-month period on any given checking account or by any individual.