First Financial Bank, National Association

Local Decisions

This bank has extremely friendly customer service and bankers who genuinely seem to want to get to know you. All of their decisions are made locally (if you're looking to get fees waived or exceptions made). Fees are typically average or slightly lower than comparable banks' fees. The disadvantage to local banks is that it makes it difficult to get banking done when you travel to other areas. Sometimes, if you're able to get in touch with a manager, you can get processes expedited, while other times there is simply nothing that they can do for you if you are far away and need certain banking things done. The mobile app is hit or miss based on their reviews for it - while I have never had any problems using it, many people seem to have issues from time to time. The online banking and website are not as easy to navigate as some banks' and this bank has only very recently begun to allow ACH transfers to other banks through online banking.