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.

My password online is continually invalid so I call and they want a recent transaction which I can't give them because I can't get online then I have to drive an hour to fix it. Ridiculous procedures at this bank.

I have so many issues trying to get help from this bank. My regret is using this bank period. I had to open a checking account because I was using them for my mortgage loan. The manager who opened the account for me did not know what she's doing. I asked if they would send me my debit card via mail, she said they would. Weeks later, never received it. Someone else had to fix her issue. My cousin recommended me to a loan specialist there, who was great but everything else suck. I had my address changed and updated to my new mortgage. That was a headache. Took over a year for them to update my address correctly. I changed my Mortgage insurance and wanted to make sure it was correct. They verified me with my ss# and name. Then asked me for my phone number, which my main phone number is on my profile { I confirmed }. They told me " Sorry we can't verify you because my SS# came up with a different phone #." They used government system something like that. My phone is in a plan with my sister, which I would need to be with my sister to get verified and help for this bank. She then tell me to stop by a branch. Such a headache trying to get one simple question. I plan on closing all my accounts and refinance my mortgage to go to a different bank. Save yourself some time and go with a different bank. I don't think they have the tools to make your life easy and also most reps are not trained properly.

My community bank was acquired by First Financial several years ago. I had both a personal and business checking account. I git t o know the manager at the local branch and he was very helpful. I am a real estate developer and went to the branch to inquire about a line of credit. The manager had left the branch and I was referred to the mortgage loan department. It took them two months to get back to me and eventually I got referred to the VP after complaining about the cluelessness of the staff. He seemed to have no idea what their loan products were. After another six weeks of back and forth he finally recommended a loan size that could not buy a used car even with a perfect credit rating and a portfolio of properties. Utterly clueless.

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!