Get Paid up to 2 Days Sooner
Free Checking with Early Bird Deposit
Get Rewarded. Ditch the Fees. That's Smart Checking.
Imagine a checking account that empowers you to make the most of every day. At First Financial, our checking accounts are designed with you in mind, offering powerful rewards and complete peace of mind with no monthly fees and no maintenance fees.
Whether you choose our Better Rewards Checking or our Complete Checking for straightforward simplicity, you'll gain greater financial flexibility. While you're enjoying the benefits of rewards and zero fees, experience the advantage of potentially accessing your funds sooner. It's your money, working harder for you, so you can live better.
Better Rewards Checking
- Earn 3.00% APY¹ on checking balances up to $3,000 and 0.10% APY¹ on excess balances when you have eStatements and direct deposit of $1,000 per quarter
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An additional ½% rewards rate on your share certificates2
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Get ½% cash back on every non-PIN-based debit card transaction – and more!
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No monthly maintenance fees
- No minimum account balance requirement
- Get paid up to two days sooner with Early Bird Deposit!
Complete Checking
- Simple and convenient with full-featured digital banking
- Dividends available
- No monthly maintenance fees
- No minimum account balance requirement
- Get paid up to two days sooner with Early Bird Deposit!
Secure a Great Checking Account Today.
Get a Great Partner for Always.
Your First Financial checking account will deliver more than everyday convenience and even rewards. It will open to you a world of exciting credit union benefits, like low-rate loans, higher yields on deposits and the higher level of personal service our members love here.
Get Started
Start your partnership with everything you need and nothing you don't - with First Financial.
Open your account today!
Enjoy Benefits of the Best Today!
Our members voted us The Baltimore Sun’s Best Bank/Credit Union for the fourth time.
- Better Rewards Checking, offering huge yields and rebates
- Flexible loans with lower rates to save you money
- Free financial education tools and resources to keep you ahead of the curve
- Support of our local communities, investing in the people and places we serve
Don't Just Bank, Belong – to the area's best credit union!
Join online in minutes.
Membership eligibility required. Insured by NCUA.
Questions about belonging to First Financial?
We’re here for you! Give us a call at 410-321-6060 or toll-free at 800-903-3328 and we’ll be happy to help!
For fees and conditions, refer to the Schedule of Fees and Agreements and Disclosures. Early Bird Deposit is dependent upon early receipt of information from your employer or government agency. First Financial cannot assume liability for not depositing these funds to your account early.
1APY means annual percentage yield; rates good as of 9/1/25 and are subject to change. Account must meet all reward criteria to be eligible; see Better Rewards Checking Terms & Conditions for requirements.
2Members must meet Better Rewards Checking eligibility requirements at the time of opening or renewing a share certificate in order to receive the rewards rate. Other terms and conditions may apply.
Membership eligibility required. Insured by NCUA.
Don't Just Bank, Belong.®
410-321-6060 | Routing Number: 2550 7767 1
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