First Financial Bank – $100 Referral – IL, IN, KY, OH

Offer at a glance

• Maximum bonus amount:
• Availability: IL, IN, KY, OH
• Direct deposit required: Yes, two that total $500+
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Yes
• Credit card funding: Up to $500
• Monthly fees: None
• Expiration date: None listed

The Offer

Direct link to offer. Do not share your referrals in the comments below, they can be shared in this linked thread.

• First Financial Bank is offering a referral bonus of $100 to the person referring and up to $150 for the person/business being referred. 
  • $100 personal bonus:
    • Have at least 10 debit card transactions (excluding ATM transactions) of $10 or more, AND
    • Have at least two direct deposits of at least $500 deposited in the account.
  • $150 business bonus: 
    • Complete cumulative deposits totaling $2,000 or more, AND
    • Complete 10 or more payment transactions of at least $25 each (excluding ATM transactions).

The Fine Print

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Simple checking has no monthly fee for personal accounts. Business checking has no monthly fees to worry about. 

Early Account Termination Fee

Unsure if there is any EATF, but in the past it needed to be kept open for six months to avoid a $25 fee and the bonus being forfeit. 

Our Verdict

There was a previous $200 offer without a direct deposit required but we haven’t seen that for many years. This bonus is OK, especially if you can refer a P2 to make it a total of $300 across two people. We will add it our list of the best bank account bonuses. Do not share your referrals in the comments below, they can be shared in this linked thread.

Hat tip to reader ShawntheShawn

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
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• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
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