Fees, Security, & Disclosures
Privacy & Security
First Financial Bank values your trust and understands how sensitive personal and financial data is to our customers. We are committed to keeping such information secure and confidential. You have a right to know the privacy policies and procedures of First Financial Bank and this notice provides you with such information.
We collect only information needed to serve you or required to administer our business
First Financial Bank routinely acquires confidential information that customers consider to be extremely sensitive. Our employees routinely acquire confidential information that customers consider to be extremely sensitive. Our employees have been informed that this information must not be revealed to unauthorized persons and that this information is not to be discussed with others within the bank unless the information is required to perform their duties.
We collect nonpublic personal information about you from the following sources:
- Applications or other loan and account forms;
- Transaction history with us, our affiliates, or others; and
- Third parties such as consumer reporting agencies.
We exercise extreme care when sharing your information.
First Financial Bank is permitted under law to share information to companies within our corporate family. Such companies provide financial services like title work, insurance products, and mortgage banking services. By sharing this information, we can provide a full range of products and services to better serve you. If you prefer that we not share this information with companies in our corporate family, you may instruct us not to by calling us toll-free at (800) 562-6896. We do not treat information about former customers any differently than current customers.
First Financial Bank is also permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" (i.e., third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account; to government entities in response to subpoenas; and to credit reporting agencies. We also may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing arrangements:
- Information we receive from you on applications or other forms, such as your name, address, social security number, and phone number;
- Information about transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit card usage; and
- Information we receive from credit bureaus, such as your creditworthiness and your payment history.
First Financial Bank does not sell customer information. We share information, as described above, only when required by law or when it is necessary to better service or manage your account with us.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
We strive to maintain secure and accurate information
First Financial Bank has taken several steps to maintain physical, electronic, and procedural safeguards that comply with regulations and standards to protect your nonpublic personal information. We work to ensure that your information is accurate and up-to-date. If we become aware of any inaccuracies we will take appropriate corrective actions.
First Financial Bank reserves the right to change our privacy policy and procedures at any time.
Member FDIC
Terms of Use
THESE TERMS OF USE GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THIS WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
This website has been established by First Financial Bank for the sole purpose of conveying information about First Financial Bank's products and services and to allow communication between First Financial Bank and its customers. Nothing contained in any page on this website takes the place of First Financial Bank's agreements and disclosures that govern its products and services. If any information on the website conflicts with that in First Financial Bank's agreements and disclosures, the agreements and disclosures will control.
Banking Online
This website is an online financial services website offering a variety of content, products and services. First Financial Bank grants to you, for your personal or internal business purposes only, a nonexclusive, limited and revocable right to access and use this website. You agree not to use this website for any other purpose, including commercial purposes, such as co-branding, framing or linking, without First Financial Bank's prior written consent.
You agree not to use this website for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.
Fees
General access to this website will be provided to you free of charge. However, you may incur fees if you use or obtain some of the products or services available through this website. To learn more about such fees, please refer to the specific terms and conditions applicable to each product or service.
Equipment
You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software, and internet access services necessary to use or access any aspect of this website. First Financial Bank will not be responsible for any errors or problems that arise from the malfunction or failure of your hardware, software, or any internet access services.
Limitation of Access
We may terminate, suspend or limit your access privileges to this website's Online Banking feature, in whole or in part, in our sole discretion, at any time without prior notice.
Account Information and Password Protection
To prevent unauthorized access to your accounts and to prevent unauthorized use of this website's Online Banking feature, you agree to protect and keep confidential your User ID, PIN, Password, or other means of accessing your accounts to any person not authorized to access your accounts. The loss, theft, or unauthorized use of your User ID, PIN, and Password could cause you to lose some or all of the money in your accounts. If you disclose your User ID, PIN and/or Password to any person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to use this website's Online Banking feature or to access or use your User ID, PIN, Password, or other means to access your accounts, you are responsible for any transactions and activities authorized from your accounts. If you believe someone may attempt to use or has used this website's Online Banking feature without your permission, or that any other unauthorized use of your User ID, PIN, and Password or security breach has occurred, you agree to immediately notify us by calling (870) 863-7000 during normal customer service hours. Unauthorized account access is prohibited and violators will be prosecuted.
Copyright and Trademark Notices
The images, text, screens, and web pages appearing on First Financial Bank's website and other websites affiliated with us or others, are protected by copyright laws. You agree not to copy, display, distribute, download, license, sub-license, modify, publish, repost, reproduce, reuse, sell, transmit, or otherwise use for public or commercial purposes, the information and materials contained in this website (except as provided in agreement) without our express written permission. Unless otherwise noted, all other trademarks, service marks, and logos used on this website are the trademarks, service marks or logos of First Financial Bank, or others as indicated.
Warranties Disclaimer
EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF ONLINE BANKING IS AT YOUR SOLE RISK AND THAT THE SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS WEBSITE, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT FIRST FINANCIAL BANK MAKES NO WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, FIRST FINANCIAL BANK DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ONLINE BANKING AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS WEBSITE.
Site Links
This website contains links to other third party websites. First Financial Bank is not responsible for, nor does control, the content, products, or services provided by linked sites. First Financial Bank does not endorse or guarantee the products, information or recommendations provided by linked sites, and is not liable for any failure of products or services advertised on those sites. In addition, each third party site may provide less security than First Financial Bank and have a privacy policy different than that of First Financial Bank. Your access, use and reliance upon such content, products or services is at your own risk.
Choice of Law/Successors
These Terms of Use and its enforcement shall be governed by the laws of the State of Arkansas, without regard to any choice of law provision, and shall inure to the benefit of our successors and assigns, whether by merger, consolidation, or otherwise. The account(s) accessed via this website's Online Banking feature shall be governed by laws of the applicable account agreements.
Indemnity
You acknowledge and agree that you are personally responsible for your conduct while using this website and agree to indemnify and hold First Financial Bank and its affiliates and their officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys' fees) that we may incur in connection with a third party claim or otherwise, in relation to your use of this website or your violation of these Terms of Use or the rights of any third party.
Risk of Loss
In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, that were in the process of completing, or that were completed shortly before a system failure or interruption should be verified by you through means other than online to ensure the accuracy and completeness of such transaction(s). You assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected.
Miscellaneous Terms
Unless otherwise prohibited by law, any communication or material you transmit to us via this website or internet electronic mail is on a non-confidential basis and we may use such communication or material for any purpose consistent with our Privacy Policy, including reproduction, publication, broadcast and posting.
This agreement may be changed from time to time. All users agree to be subject to this agreement as it changes from time to time.
Common Fees
Stop payment fees, per item...$2.00*
Duplicates of cancelled checks, per item...$3.00 - $5.00 per check image sheet
5 Safekeeper checks per month...No charge
Current/prior month special statement...$1.00
Special statement production, per statement...$5.00
Insufficient funds, per item...$29.00
Return check charge...$1.00
Money order, per item...$5.00
Cashier's checks, per item...$3.00 to $10.00 ($1.00 per $1,000.00)
Information current as of: : December 1, 2004
*Fee of $29.00 for Stop Payment charged if account balance is not sufficient to
cover amount of payment stopped.
El Dorado - Smackover, Arkansas
Carthage - Hernando - Senatobia, Mississippi
