Choice Checking

Enjoy greater control over your finances by making the clear checking choice—Choice Checking. Choice Checking puts you in the driver's seat! Savings ranging from grocery coupons to discounts on goods at retail outlets can all be yours!

Another added perk—greater peace of mind granted through our valuable Fraud Protection services. Best yet, you even have the ability to lessen or erase your monthly service fee—do things like use your debit card and watch as the fee disappears!

Choice Checking
  • Valuable merchant discount program
  • Comprehensive fraud protection and restoration services
  • No minimum balance to maintain account
  • Qualifications to reduce the low monthly service fee: *
  • Begin each statement cycle with $7 monthly fee
  • Receive eStatements to reduce fee by $1.50
  • Further reduce by $1.50 with an ACH credit of $100 or more
  • Further reduce by 25¢ per debit card purchase, until fee is eliminated
  • Free online banking, bill pay & mobile money
  • Free eStatements
  • Free Visa® debit card
  • Unlimited check writing
  • No minimum deposit to open

* The monthly service fee for this account is $7. If the following qualification requirements are met during the monthly qualification cycle, the service fee will be reduced as follows: 1) $1.50 for enrolling in and receiving electronic statements, 2) $1.50 by receiving an ACH credit of $100 or more and 3) $0.25 for each debit card purchase that posts and clears the account. Qualifying transactions must post to and clear the account during the monthly qualification cycle. Transactions may take one or more banking days from the date of the transaction to post to an account.

Merchant Rewards

Enjoy savings via our online savings program, plus great discounts and rebates at local and national retailers. Being a Choice Checking member comes with many shopping perks, as well as the added plus of whittling away your monthly service fee with every debit card purchase.

Getting Started

To get started, go to and create a username and password. Remember to have your checking account information with you when you sign up.

National Savings

Rebates up to 30% at brand name online retailers

Easy redemptions of rebates--simply use your debit card for purchases

Rebates will automatically be deposited back to your account.

In-Store Savings

Valuable savings on food, shopping, events, and more

Easily search for discounts nearby

Simply enter your zipcode for a list of specials at participating vendors

Grocery Coupons

Save on food and household products at local supermarkets

Easy ways to find valuable coupons

Simply clip and print free, online grocery coupons

Fraud Protection

Add peace of mind with full-service Fraud Protection. A team of experts work around-the-clock to monitor your identity. If anything should ever look suspicious, restoration specialists will work tirelessly to restore your identity. They will also replace lost items should your wallet ever be stolen—all while you go on with your life.

Real-Time Identity Protection

Experts will monitor up to 25 items around-the-clock, including:

  • Debit cards
  • Credit cards
  • Other personal information you provide (such as SSN)

If anything unusual is detected, you will be notified immediately.

To access Identity Protection: simply log on to to enroll. Your username is the last six digits of your Social Security Number plus the first five digits of your zip code, separated by a dash (123456-12345) for the primary account holder. The password is the date of birth for the primary account holder (MMDDYYYY).

Identity Restoration

Call us toll-free should you suspect your identity has been compromised

Hands-on assistance to restore your identity while you get on with your life

All affected vendors and/or agencies are contacted on your behalf, including:

  • Credit card companies
  • Financial institutions
  • All three credit reporting agencies
  • Local and federal courts
  • Social Security administration
  • Department of Motor Vehicles

To access restoration services: simply call 866-647-6221 to be connected with one of our restoration experts.

Wallet Replacement

Automatic re-enrollment in a Lost Wallet Service

Replacement of crucial items, should your wallet be lost, including:

  • Driver's license and/or personal ID
  • Credit cards
  • Debit cards
  • Medical cards

To access wallet replacement services: simply call 866-647-6221 to be connected with one of our wallet replacement experts.

Switch Kit

Make the switch to better banking today! You can make the move to First Financial Bank in three easy steps. Everything you'll need is provided in the First Financial Bank Switch Kit. We can't wait to welcome you to First Financial Bank where you'll enjoy a better banking experience for all your banking needs!

1. Open your new account.

2. Switch your direct deposits and automatic withdrawals.

3. Close your old account.

Get Started