Become a Member

Don’t Just Bank, Belong.®

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Be part of something bigger with First Financial.

When you join us, you become a member-owner of a not-for-profit financial cooperative. What does that mean? It means we return profits to our members (that’s you!) in the form of better rates and low fees…or no fees at all.

As your lifelong financial partner, we’re dedicated to guiding you on your financial journey with free education and wellness resources. And as a member, you have our commitment to help empower you to achieve your best financial life. Because when our members thrive, our community flourishes.

Are you an employee, student, volunteer, or retiree at one of our partner groups?

When you join First Financial, you're a member for life.

If you or a family member works for a company within our Field of Membership, you can join First Financial! Membership is open to many educators, students, health care workers, federal employees, and select partner groups within Maryland. Plus you’re eligible if you’re:

  • an immediate family member* of an employee of one of our partner groups
  • a volunteer at an affiliated partner group
  • a student at an affiliated school or college, along with their immediate family members*
  • a member of the Maryland Consumer Council

Once you belong, you’re a member for life even if you change jobs or relocate. We have branch locations in Maryland, but digital banking makes it easy to access your account from anywhere.

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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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Better checking with a side order of rewards.

Easy requirements, no minimums, and no monthly maintenance fees coming right up!
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Become a Partner

By offering your employees access to a First Financial membership and becoming a Partner Group, you will be partnering with us to offer your employees a path to financial wellness.

Put your team first – just like we do!

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*Immediate family members are defined as a spouse, child/stepchild, sibling/step-sibling, parent/stepparent, grandparent, grandchild or adoptive relation of an eligible member. The family member does not need to live in the same residence. Household members are individuals living in the same residence and maintaining a single economic unit.