First Financial Bank's mission is to make you happy by being simple, fast and secure. They offer personalized service across all of your financial needs to make sure you get everything you deserve. At First Financial Bank they believe that treating each other with dignity and respect is the key to their 185 years... show more
First Financial Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/08/2026.
2.6
108 reviews
from WalletHub and across the web
108 reviews from WalletHub and across the web
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First Financial Bank
Johnathan Maloney @atoll_flash_6a
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1 Star Rating
This is easily the worst experience with any financial institution I've ever had. We bought a car (usually I either pay cash or finance through my bank - this is the first time we financed through a 3rd party), and it has been a disaster. My credit score has been over 800 for a few years now, so I don't have trouble paying bills. First Financial never sent me any information on how to pay the loan. I even spoke with people on the phone and they said they'd email me, but they never did. I tried calling customer service and kept getting transferred, put on hold, and lost in the ether. I tried contacting them through Facebook and got some generic answer that didn't help, tried contacting them through their website and got no response at all. Now my credit is taking a hit, collections is calling me, and they're charging late fees. It's incredible. I will never do business with them again, and I'll warn everyone I know.
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Product: First Financial Bank Car Loans
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First Financial Bank
Taffy Hubbard @taft60393
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1 Star Rating
Verified Customer
This is the worst bank ever; everything about this bank is a bad joke. There are just no words to say except, stay away from this bank. They are so dysfunctional, having no clue as to what they are doing, and you can't take care of your business matters.
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Product: First Financial Bank Car Loans
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First Financial Bank
blkdthrlm @blkdthrlm
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1 Star Rating
Misallocated my car payment twice to another loan, and received notifications twice for late payments even though I had proof of payment. The loan recovery department agent was rude and actually hung up while I was speaking. This bank has become terrible.
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Product: First Financial Bank Car Loans
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First Financial Bank
tcneff7820 @tcneff7820
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1 Star Rating
This is the worst bank ever! Do not bank there! They put holds on certified checks, which we all know are legitimate. They refuse to deposit a personal check!
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Product: First Financial Bank Checking
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First Financial Bank
Tracie M @tracie_mason
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1 Star Rating
Charged me for NSF charges on pending transactions when my direct deposits came in to cover them before the end of the day. Bad business! Will change as soon as I can! Was told the app and online banking did not have correct information all the time, so I couldn’t prove they were wrong.
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Product: First Financial Bank Checking
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First Financial Bank
benjamin west @benjaminw_54
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1 Star Rating
Verified Customer
Horrible bank, impossible to get help from, always have to remember entire account number and also enter your payment details each time. Had to drive to a branch 1 1/2 hours away to get help; their app is worthless. So glad to have a loan with someone else now.
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Product: First Financial Bank Car Loans
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First Financial Bank
bigcontry76 @bigcontry76
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1 Star Rating
Wow, my first financial bank lied to me in a significant way, and in a very negative manner too. I'm heartbroken and upset about it. Now I have to consider whether I want to keep using their services or switch banks. I'm not happy at all. They lied to me about this business and now I have to consider or not if I'm going to continue using them or not.
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Product: First Financial Bank Checking
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First Financial Bank
Gabrielle Dawson @gabrielledawson
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1 Star Rating
I recently had the displeasure of dealing with this bank and their abysmal customer service. Not only did they fail to meet my expectations, but they also displayed a shocking level of rudeness over the phone. It is appalling that they do not offer Gap insurance, leaving customers vulnerable and unprotected.
The staff I encountered were dismissive, unhelpful, and downright rude. Their attitude towards customers is unacceptable and reflects a complete lack of professionalism. I would advise anyone looking for banking services to steer clear of this establishment.
In conclusion, my experience with this bank was nothing short of a nightmare. Their lack of customer care, refusal to offer essential services like Gap insurance, and rude behavior make them a company to avoid at all costs. Save yourself the trouble and stay far away from this bank.
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Product: First Financial Bank Car Loans
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First Financial Bank
Hannah L Gore @a1pha_1031_om3ga
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5 Star Rating
Good card to help starting to build credit from scratch. Low credit limit which helps not to overspend, perfect card for students, college students... Great for gas and small purchases to be paid off every month.
NOT a good bank. The setup was fast and easy, the guy that got it all set up in Aurora, Indiana did a great job and was friendly and efficient. They have all new ATM machines that take cash deposits (while other banks are still having you stuff your money in a hole in the wall and they'll get to it when they get to it). That's the good news. They advertised a 'no hassle no worry - quick and easy' type loan with no collateral needed. We thought it would be a good bill consolidation loan, as we bring in enough money every month to easily pay the bills. They didn't like that we had a couple of credit cards that were empty. They demanded we close the empty cards. I informed them that we kept those in case of emergencies so we'd have the available funds if needed. They didn't care. They ran both of our credit scores so many times and in different ways that it directly impacted our credit scores - even though they said there would be no impact. After jacking us around for over a month on this 'quick loan' - we got a ton of rejection letters - each one stating the reason, but only one reason per mailing. And one for each of us, not combined. Basically they didn't like that we refused to close our emergency empty credit cards. We both got at least 8 rejection letters each. We were hoping to go to a local bank and distance ourselves from Bank Of America due to some of their - ahem - bad choices when it comes to privacy. First financial wouldn't make a pimple on BOA's butt. Their online banking is primitive, and they can't close a single loan without screwing it up. We then let the account sit to see what we wanted to do with it - and we just got an 'inactive' letter, demanding that we fill out a form, sign our names, and include our social security numbers to prove that we own the checking account - and MAIL it to them. I'll be going over Monday to close this lame account, and heaven help them if they ask me why.
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Product: First Financial Bank Checking
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First Financial Bank
lonferrell @lonferrell
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1 Star Rating
New Castle branch allowed Tammy Matney to deposit a two party check with only her signature!!!!! Will file a police report, hopefully someone is held accountable for allowing this thief to do this.
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Product: First Financial Bank Checking
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First Financial Bank
lyricalsoul13 @lyricalsoul13
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5 Star Rating
FFB has been so good to me! 5 stars isn’t “perfect” b/c there’s no such thing. I wish they had truly free checking, but we pay $1 for every check we write, or we could pay $4/month(?) for unlimited. If we had auto-deposit it would be totally free but my employer doesn’t offer it. Since we only write one check a month it’s fine. What I LOVE are the staff, and their same-day availability of deposit. Angel and Nancy at the Broadway location in Mt. Vernon, IL are almost like friends to me now after several years of being with FFB. Some banks take DAYS to make funds available- even cash deposits. At FFB the second your deposit is posted you can use your debit card to access those funds-even checks & ATM deposits. Check the app pulling out of the drive-thru and BAM! Money is there. If an auto-draft hits your account overnight and you’re overdrawn but make a deposit before end of business, no OD fee. We have one account we use only for bills and keep a minimal amount of money in it. This has happened time to time over the years when an auto-draft has come out before we could make the deposit or transfer from our primary account and it was no problem. I was with Peoples 10 years and CASH deposits took DAYS to show up. It cost me more than one $35 overdraft fee before I found FFB and never looked back. I don’t intend to ever bank anywhere else. When they took over our Bank of America locations I was skeptical. I had never heard of FFB before, and I wanted an honest, trustworthy bank but I was used to “names people know” and was unsure about switching to FFB from Peoples. I am so glad I did! You still get to work with real human beings if you want, but they also have ATM’s and mobile banking if you prefer. I rarely ever have a complaint. When I do it is minor, and their staff has never failed to help make it right. Perfect? Nah, but the right bank for us? ABSOLUTELY! ⭐️⭐️⭐️⭐️⭐️
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Product: First Financial Bank Checking
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First Financial Bank
Joycemathis7 @Joycemathis7
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3 Star Rating
Ebonie on phone is a witch. Debbie personal banker on judge Ely is so knowledgeable and helpful. Other 2 personal sucks Joyce m
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Product: First Financial Bank Checking
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First Financial Bank
Roger @rjmartin1702
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5 Star Rating
Verified Customer
There a great bank with good customer service. I was able to get up automatic withdrawal for my monthly payments. And they gave me a great interest rate for my existing credit score
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Product: First Financial Bank Car Loans
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First Financial Bank
Noel B @nobyonekanoby47
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1 Star Rating
Verified Customer
My loan with First Financial has been paid off! I no longer own the vehicle! I sold it on 4/28/2022. Your records shouldn't show any more transactions with First Financial or The Morris Plan!
Get answers to your questions about First Financial Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
To find out what the current interest rates are for money market accounts and 6 month CDs at First Financial Bank, you should contact them at (877) 322-9530.
The First Financial Bank eChecking Account does not incur monthly maintenance fees or minimum balance fees. However, it charges an overdraft fee, a paper statement fee, and out-of-network and foreign ATM fees.
For the most up-to-date information, visit First Financial Bank's website or contact their customer service at (800) 511-0045.
You can check the best checking accounts available for you to make sure that whatever decision you go for really fits your goals.
First Financial Bank does not publicly disclose whether it offers early direct deposit. While it does support standard direct deposit, there's no indication that it credits funds ahead of the scheduled payday.
For the most up-to-date information, visit First Financial Bank's website or contact customer service at (812) 238-6000.
You can check the best checking accounts available to ensure that whatever decision you make really fits your goals.
The First Financial Bank Platinum Credit Card credit score requirement is 750 or higher. That means people with excellent credit may have a decent shot at getting approved for the First Financial Bank Platinum Credit Card. You can check your credit score for free here on WalletHub to see if you qualify.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the First Financial Bank Platinum Credit Card. Some other key criteria include your income, existing debt load,...
Yes, First Financial Bank does a hard pull for credit card applications whenever you apply for one of their credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows First Financial Bank to determine your credit risk and ultimately decide whether you'll be approved for an account.
First Financial Bank credit cards require anywhere from bad...
You need a credit score of 640 or better for the best First Financial Bank credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from First Financial Bank with a bad credit score, for example.
First Financial Bank Credit Score Requirements by Card
First Financial Bank Secured Credit Card: 300+ (Bad credit)
First Financial Bank Business Credit Card: 640+ (Fair credit)
It can take 3-5 business days to get approved for a First Financial Bank credit card. If your application gets rejected, it should take an additional 7 to 10 business days to receive a letter in the mail explaining why.
You can check your First Financial Bank credit card application status by calling the customer service line at (800) 511-0045. If your application is approved, you can expect your new card to arrive by mail within 7-10 business days...
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