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First Financial Bank Review

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First Financial Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


First Financial Bank first started operating in 1863 and its headquarters are located in Cincinnati, Ohio. It handles $9 billion in assets as well as $7 billion in deposits, ranking it as a large bank. First Financial Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. At a SmartAsset rating of 4 stars out of 5, First Financial Bank should be near the middle of the pack in your search for a bank. First Financial Bank provides customers with a variety of banking products, which include savings accounts, checking accounts, money market accounts, CDs, mortgage products and credit cards. First Financial Bank has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, the bank's most basic checking does not have a monthly fee. Banks that offer no-fee checking and a high savings APY are the best bet for returning the most income on your deposits while having convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

First Financial Bank features a savings rate of 0.05%, which is fair compared to the average U.S. bank. First Financial Bank's one-year and five-year term lengths CDs earn at a rate of 0.10% and 0.50%, respectively, while its highest-yielding money market account earns at an APY of 0.10%. Given its below average savings rate, you should consider looking at the competition to open savings accounts.

How First Financial Bank's Savings Rates Compare

First Financial Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

First Financial Bank charges its customers extremely low fees compared to the average U.S. bank. First Financial Bank's checking account has no monthly fee, ranking it excellent for anyone looking for a hassle-free account. First Financial Bank unfortunately does not reimburse out-of-network ATM charges, which means you will have to find a First Financial Bank ATM or eat the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

First Financial Bank is a brick-and-mortar bank, with 188 total bank locations in Illinois, Indiana, Kentucky and Ohio. It also offers access to mobile and web apps for straightforward access and banking on the go. It does not provide access to all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday, 8:00 a.m. to 8:00 p.m. ET; Saturday, and 8:00 a.m. to 5:00 p.m. ET. First Financial Bank's online and mobile banking services get poor feedback from users. Out of 720 ratings across Apple and Android platforms, the First Financial Bank mobile app is scored at 2.7 out of 5 (compared to the national average of 3.8). First Financial Bank's mobile app allows you to control your funds by reviewing current statements, transferring money and reaching customer service. First Financial Bank gets an exceptional consumer satisfaction rating based on comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 2.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

First Financial Bank is currently a large bank with assets totaling $9 billion and deposits totaling $7 billion. Its Texas Ratio is 2.62%, suggesting that First Financial Bank is in superb financial health and far from failure. Additionally, First Financial Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare First Financial Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1001
Certificates of Deposit
  • 12 Month: 0.10% APY
  • 24 Month: 0.15% APY
  • 36 Month: 0.20% APY
  • 48 Month: 0.30% APY
  • 60 Month: 0.50% APY
$500 for all terms
Money Market Account 0.05% APY $10001

First Financial Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. First Financial Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First Financial Bank's CD rates are fair in comparison to the national average.

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Find a First Financial Bank Near Me

First Financial Bank has 188 physical branches across the U.S.

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