Overdraft Changes Overdraft rules change August 15th - Are you enrolled to keep protection for your account?
	Preferred Lender First Financial Bank is prepared to offer exclusive loan options to Possum Kingdom Lake property owners! Find out more!
	Top Bank First Financial Bank was recognized as the top performing bank in 2009 by Bank Director Magazine.

You come first at First Financial Bank.

At First Financial Bank we still put people first and it shows in our Texas-friendly service, smiles and all-around better banking. Whether it's your day-to-day financial needs, loans based on relationships, or long-term financial goals, we want to earn your business.

First Financial Bank, N.A. (Bank) is participating in the FDIC’s Transaction Account Guarantee Program (TAGP). Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the TAGP is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules, generally $250,000.

The Bank offers certain negotiable order of withdrawal (NOW) account products that do not qualify as noninterest-bearing transaction accounts under the TAGP, and therefore are generally not eligible for the guarantee. Many of the Bank’s NOW accounts provide for different rates of interest based on 1.) the dollar amount held in the account (referred to as a tiered account) or 2.) an interest rate index (referred to as an indexed account). If any interest rate paid on a tiered account or an indexed account exceeds, or potentially could exceed, 0.25%, then the account is not covered under the Transaction Account Guarantee Program, but is still covered up to $250,000 under the FDIC’s general deposit insurance. However, the TAGP covers nontiered NOW accounts with rates at or below 0.25%.