Small-Dollar, Short-Term Loans

This loan is available to any primary or joint owner of a First Financial Bank eligible personal checking account. Eligible checking accounts include Simple, Choice, Student, Performance and Premier and excludes business, Health Savings, and NoWorry accounts. You must be 18 or older, be enrolled in online banking and have an eligible checking account open for 30 days or more.

Maximum loan amounts range from $200 to $600 and you can borrow in increments of $1. The amount you can borrow is based on your checking account activity. Unlike traditional loans which use your credit score to qualify for a loan, f1RST Balance Boost looks at your account activity and history to determine eligibility. There is no guarantee that you will be eligible for a loan just because you have a checking account. To see if you are eligible for f1RST Balance Boost, you’ll need to login to online banking or the mobile app and apply..

There are borrowing limits per checking account and per individual. You can only have one outstanding loan per checking account and per individual at any given time. F1RST Balance Boost may be used up to 3 times in a 6-month period per checking account and per individual. You must repay your loan in full and wait at least one day before you can borrow again.

Once you e-sign your loan documents, money is directly deposited into your checking account – typically within 5 minutes. If you complete the application after 9PM ET, your funds may not be available in your account until the following morning.

There are flexible payment options available, depending on your personal preference. You can choose “Easy Pay” or “Manual Pay.”

• Easy Pay – payments are automatically deducted from your account on the due dates.
• Manual Pay – requires you to make payments manually through online banking, paying at a financial center, or by mail.

You can make payments above your required payment amount at any time. There are no fees to pay off your Balance Boost early.

There’s no credit check required for this loan, but once you open it, the account and activity are reported to credit bureaus.

You can contact First Financial Bank customer service by calling 877.322.9530 or emailing