Checking Accounts

Easy-to-manage checking with no minimum balance requirements.

Open Now  – Checking Accounts
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All checking accounts include:

  • No monthly maintenance fees
  • No minimum account balances
  • Free Visa® debit card
  • Optional overdraft protection
  • Free Bill Pay service
  • Free use of phone, online, and mobile banking services
  • Free eAlerts to monitor account activity
Checking Accounts

Better Rewards Checking

A bigger, better checking account that rewards you for just doing your normal day-to-day transactions.

When you have eStatements with your checking and direct deposit of $1,000 per quarter1, you’ll get:

  • 3.00% APY1 on your checking balance up to $3,000 and 0.10% APY on balances over $3,000
  • Additional 0.5% rewards rate on your Share Certificates2
  • Debit card rebates of 0.5% on every non-PIN-based transaction
  • No monthly maintenance fees
  • No minimum account balance
  • Free Visa® debit card
  • Free basic checks for members with direct deposit of net pay3
  • Free use of phone, online, and mobile banking services
  • Free Bill Pay service
  • Free eAlerts to monitor your account activity
  • Optional overdraft protection
  • Switch your direct deposit and recurring payments easily to First Financial with ClickSWITCH
  • Get paid up to two days early with our Early Bird Deposit service

Get big rewards for managing your finances with ease – with Better Rewards Checking!

Taking advantage of our rewards checking couldn’t be easier. If you’re already a member with a checking account, eStatements, and $1,000 in direct deposit per quarter, we’ll automatically transition you to our Better Rewards Checking Account so you can start earning rewards!

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open Now  – Better Rewards Checking

Complete Checking

Free checking with all the features you want with the simplicity you need.

Our Complete Checking Account offers great value and convenience. Plus, earn additional dividends and rebates when you take advantage of qualifying checking account services.

If you’re looking for even more rewards with your new checking account, simply enroll in eStatements and have $1,000 in direct deposit per quarter. We will seamlessly transition you from our Complete Checking Account to our Better Rewards Checking Account, allowing you to start earning rewards effortlessly! Learn more about our popular Better Rewards Checking Account.

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open Now 
Compare Accounts

Checking Comparison

  • Earn 3.00% APY1 on your checking balance up to $3,000 and 0.10% APY on balances over $3,000
  • Earn an additional 0.5% rewards rate on share certificates2
  • Receive debit card rebate of 0.5% on every non-PIN-based transaction.
  • No monthly maintenance fees
  • No minimum account balance
  • Free Visa® debit card
  • Free basic checks for members with direct deposit of net pay3
  • Free use of phone, online, and mobile banking services
  • Free bill pay service
  • Free eAlerts to monitor your account activity
  • Optional overdraft protection
  • Switch your direct deposit and recurring payments easily to First Financial with ClickSWITCH
  • Get paid up to 2 days early with our Early Bird Deposit service
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*Must maintain account with eStatements and a quarterly direct deposit of $1,000 to earn rewards.

    Get Paid Up to Two Days Early

    Get paid up to two days early when you have your paycheck or Social Security funds automatically deposited into your First Financial checking account.

    Learn More  about Direct Deposit

    Get more from your membership.

    First Financial Federal Credit Union strives to offer the very best financial products and services to meet the diverse needs of our members.

    Join now, online.

    Become a member today. It’s quick and easy!
    Learn More

    Make life extra rewarding with a First Financial Visa credit card.

    Earn rewards with each purchase when you use your First Financial Visa® Credit Card. Plus, no annual fee, no balance transfer fees, and more!
    Learn More

    Don’t Just Bank, Belong.®

    Get great products and services from a local credit union that cares. Join us for life and bring your family along, too.
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      1APY means Annual Percentage Yield. Rates good as of 1/1/2023 and are subject to change. Account must meet all reward criteria to be eligible; see Better Rewards Checking Terms & Conditions for requirements.
      2Members must meet Better Rewards Checking eligibility requirements at the time of opening or renewing a share certificate in order to receive the rewards rate. Other terms and conditions may apply.
      3A shipping & handling fee of $8.00 per box may apply. This fee is subject to change without notice.
      For fees and conditions, refer to the Schedule of Fees.