First Financial Bank (OH) is headquartered in Cincinnati and is the 7th largest bank in the state of Ohio. It is also the 111th largest bank in the nation. It was established in 1863 and as of December of 2019, it had grown to 2,065 employees at 158 locations. First Financial Bank (OH) has an A health rating.
I have banked at First Financial Bank in Rockford, Ohio for many years. The tellers there are great. They are efficient and friendly. Since our town only has a population of about 1,100 people, there is definitely a small town atmosphere. A couple of things I am not happy about are the service fees on checking accounts and the way deposits are handled. Overdraft charges are very high and can accumulate to a large sum before a person even realizes what has happened. There are not as many free services as before either. Coins that are saved and brought in to be counted and cashed in are no longer done for free. If an individual needs a few checks printed after running through their supply, there is now a charge for that. Overall, I am not thrilled with the bank as a whole, but I do enjoy going into the local branch to do business. It is normally a pleasant experience and is at a convenient location.
I was a member of Main source bank that got bought out by First. First has dropped the ball so many times that I have had no choice but to go elsewhere. My mortgage is the only thing I can't move with out major expense. They regularly screw up my payments and try to hit me with late fees. I can't wait to sell this house and move just so I can get this joke of a bank out of my life!
Do I have to give them one star? Zero isn't an option?
I worked at this bank 10 years ago, and eventually left for my "after college job." I loved the bank while working for them, and loved them after. I used to recommend them to everyone for their customer service, hometown feel and great online banking (everything showed right away and was current.)
This bank has since grown and everything I loved about them has turned to trash. First, they are doing "maintenance" on the accounts every few weekends making it impossible to access, transfer or view any of your money (for entire weekends??) They no longer have a "home town" feel. If you call the branches, you get tranferred back to the 1-800 recording and you sit on hold forever. When someone finally does answer, they are reluctant to give you a branches phone number and many times they seem very untrained. If you go into the branches, you see new faces so often that no one even knows you. (high turnover is a bad sign in my opinion)
When you download their App for iphones, you have to jump through a million loops to get access to view your accounts, and they more loops after that if you want to have the right to transfer YOUR money from account to account (savings to checking, vice versa.) I had to actually call the bank and ask for this, they confirmed that I had the password pin set up and I was good to go- then I went on a cruise where I learned that my password pin was actually not set up so I had no way to access my money on vacation. I guess there is a glitch in the system that lost my pin or maybe the customer service person was clueless. They wanted to charge me money to transfer the money via phone because of their mistake!!
Half the time their app isn't working, the other half of the time you can't do anything with your accounts anyway because of "maintenance" or a glitch. I can't tell you the number of times I have tranfered money into my checking, or my husbands, from our saving and get the confirmation that the transfer worked, then I get to the register and get denyed because the system isn't updated. How embarassing! This bank seriously seriously seriously SUCKS!!!! IF YOU ARE GOING TO GROW INTO A LARGE BANK, PLEASE INVEST THE MONEY TO MAKE YOUR COMPUTER SYSTEM AND APP WORK PROPERLY.
I have called so many times to tell them about these issues, and each time the customer service reps seem either completely clueless or completely unapologetic. Today, she just said "I can't even see your accounts, there is nothing I can do" Meanwhile, I am standing at a store I drove 2 hours to get to, and I don't have any access to MY hard earned money?? After I had prepared and transfered everything before leaving home??
I'll be switching banks Monday.
My bank was bought out by First Financial about 2 years ago. I have several accounts through them and prior to the FFB takeover.
First they changed the account number on my Heloc loan which made my box of checks useless and then they removed credit card access to that account. They apparently don't allow credit card access to Heloc accounts. I also have a visa credit card through them which I cannot use because they block purchases, requiring a phone call to authorize.
At the time I also had an auto loan which they demanded I provide proof of insurance at a time when I was away from home on business. I don't appreciate demands from any company I do business with.
I have on occasion noticed what I would cosider batching of transactions meaning that they collect debit card transactions for serveral days and then process them at the same time. This is fine however, if you overdraw your account they will charge you a fee for each transaction in the batch that overdraws your account.
This company is more trouble to deal with than they're worth. They have hassled me to the point that I'm going to find a new bank.
As happens with most banks, my bank, Flagstar, was purchased by First here in Indiana. I have had NOTHING but problems with them, including most recently, they were not showing any direct deposits in my acocunts for hours to DAYS after the fact. These deposits were from my employer, a very large organization, and I have NEVER had a problem before. I think what was finally the last straw from me happened this morning when I called to inquire about my deposit still not being available, and they listened to my entire speil before the customer service rep finally said, "Well, we're not actually even OPEN right now, so call back in 25 minutes or so and we'll look it up for you." Seriously??? Why even answer the phone?
Over it. Definitely time to switch banks. Oh, and btw, their website is amateur-looking and poorly designed. Looks like a mom-and-pop-one-branch kind of bank, rather than a regional contender.
|FDIC Certificate #||6600|
|Return on Assets - YTD||1.51%|
|Return on Equity - YTD||9.83%|
|Annual Interest Income||$607.5MM|
|Assets and Liabilities|
|Assets||Q4 2019vs Q4 2018||$14.43B$13.91B|
|Loans||Q4 2019vs Q4 2018||$9.16B$8.77B|
|Deposits||Q4 2019vs Q4 2018||$10.27B$10.23B|
|Equity Capital||Q4 2019vs Q4 2018||$2.27B$2.08B|
|Loan Loss Allowance||Q4 2019vs Q4 2018||$57.7MM$56.5MM|
|Unbacked Noncurrent Loans||Q4 2019vs Q4 2018||$46.8MM$70.8MM|
|Real Estate Owned||Q4 2019vs Q4 2018||$2.0MM$1.4MM|
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