Embarking on your First Online banking experience can feel like stepping into a new world of financial convenience. With First Financial Bank, accessing and managing your finances online is designed to be straightforward and user-friendly. Let’s explore the features and benefits that await you when you choose First Online.
Effortless Transactions at Your Fingertips
First Online banking empowers you to conduct a wide array of transactions from the comfort of your home or on the go. A key component of this is your First debit card, allowing you to make point-of-sale (POS) transactions at merchants. These are purchases you make using your debit card, whether you sign or use your PIN. It’s important to note that POS transactions are distinct from ATM withdrawals, offering a secure and direct way to pay for goods and services.
For those who prefer a fully electronic banking experience, eChecking is an excellent option. This account is tailored for customers who primarily utilize electronic methods like debit cards, ACH transfers, and online banking, including bill pay. With eChecking, you receive a First debit card, access to online banking with bill pay, and electronic statements, all without a monthly service charge. However, it’s designed for electronic use; each check presented for payment (including remotely created checks) incurs a small fee. To maintain eChecking, you’ll need a device compatible with First Online’s system requirements and an active online banking profile with electronic statement consent. If these online requirements aren’t met within 30 days of account opening, the account will convert to an Interest Checking account, which may have different fee structures.
Benefits Beyond Basic Banking
First Financial Bank extends valuable benefits to personal checking account holders, enhancing your banking experience. These benefits, detailed in a comprehensive guide, are available to account owners and joint account holders. While some benefits, particularly those linked to IDProtect, require a simple registration and activation, they unlock significant value. These perks are designed for personal use and are not extended to business accounts or organizations.
Enjoy a complimentary box of checks annually with personal checking accounts (excluding licensed designs), delivered directly to you after account opening. Furthermore, gain access to special programs offering money-saving discounts at numerous local and national businesses. These discounts are easily accessible online or via your mobile device, offering convenience and savings in your everyday spending. Participating merchants may vary and are subject to change, so be sure to check First.ClubChecking.com for the latest deals and details.
Access and Security, Wherever You Are
ATM access is readily available and free when you use your First debit card at a First ATM. While using ATMs outside the First network incurs a small transaction fee, the widespread accessibility ensures you can manage your cash when needed. Mobile Banking further enhances your access, allowing you to bank on the go. While the Mobile Banking service itself is free from First Financial Bank, standard data and text messaging charges from your mobile provider may apply. Mobile Deposit availability may also have eligibility restrictions.
Security is paramount in online banking. First Financial Bank provides Zero Liability Fraud Protection for unauthorized Visa® debit card transactions. This protection doesn’t extend to ATM or PIN transactions not processed by Visa®, highlighting the importance of safeguarding your PIN and immediately reporting any unauthorized card use. Refer to your account agreement for complete details and any limitations regarding unauthorized use.
Additional Services for Enhanced Financial Management
First Financial Bank offers several optional services to further manage your finances. These include Preauthorized Transfer from Savings (PATS) for a fee per transfer, and an Overdraft Line of Credit with a monthly participation fee, providing a safety net against overdrafts (subject to credit approval). First Courtesy Coverage is also available, with a per-item fee for overdrafts. It’s crucial to understand the terms and fees associated with these services to manage your account effectively.
For enhanced security, credit file monitoring is often included with certain accounts, beginning after activation. Roadside assistance services provide 24-hour coverage for vehicle emergencies, offering peace of mind on the road, with certain limitations and occurrences per year. Details on these services and any applicable restrictions can be found at http://first.clubchecking.com.
Conclusion: Your First Step to Online Financial Freedom
First Online Banking with First Financial Bank provides a robust and convenient platform to manage your finances digitally. From easy transactions and valuable benefits to secure access and additional services, First Online is designed to empower you in your financial journey. Explore the possibilities and take your first step towards seamless online banking today.
