Direct Deposit

The simply, worry-free way to get paid.

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Sit back and relax with automated deposits into your First Financial checking account.

Direct deposit is a convenient, time-saving way to handle regular deposits, such as payroll or government-issued checks. You’ll know that your money is in your account when it should be, no matter where you are.

  • Funds are immediately available upon receipt
  • Direct deposit of your net pay to your checking account entitles you to free basic checks1
  • Receive up to 8 free transactions at non-First Financial ATMs per month2

Get paid sooner with Early Bird Deposit.

Waiting for payday is so yesterday. With Early Bird Deposit of your payroll or government payments, you can get paid up to two days sooner.

Financial institutions often receive electronic information for payroll and government payment deposits before actually receiving the funds. That means we can make your funds available up to two days earlier.

Early Bird Deposit is available automatically with any First Financial checking account for any payroll or government payment that’s directly deposited – yet another great reason to enroll in direct deposit.3

Frequently Asked Questions

You don’t need to sign up…it’s automatic! As long as you have your payroll or government payments directly deposited into your First Financial checking account, you’ll get access to those funds up to two days early.
Your employer or the government agency that issues your payroll checks is responsible for establishing direct deposit on your behalf. You will typically fill out a basic form requesting the following information, and they’ll do the rest. Items you may need include:
  • FFFCU’s routing number: 255077671 FFFCU’s address: First Financial Federal Credit Union Administrative Center 72 Loveton Circle Sparks Glencoe, MD 21152-9202
  • Your Complete Checking / Better Rewards Checking account number
  • A voided check to verify the routing & checking numbers
We add your direct deposit amount to your Available Balance on the same day we receive your deposit. The Available Balance is the most current record we have about the funds that are available for withdrawal from your account. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant. If you sign up for e-Alerts, you can choose to be notified when a direct deposit is available in your account. You can also check your available balances easily via Online Banking. If you were expecting a direct deposit and have not received it, or there was an error in the direct deposit amount, please contact the company or individual who is sending you the money.

ClickSWITCH makes switching your direct deposit simple.

ClickSWITCH is the fast, secure, and easy way to initiate or move direct deposits to a new or existing First Financial checking account.

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1A shipping & handling fee of $8.00 per box may apply. This fee is subject to change without notice.

2Surcharge fees may apply.

3For fees and conditions, refer to the Schedule of Fees and Agreements and Disclosures. Early Bird Deposit requires early receipt of information from your employer or government agency. First Financial cannot assume liability for not depositing these funds to your account early.