1. What is First Financial Bank Bill Pay?
Bill Pay is a convenient way to pay bills from your First Financial Bank personal accounts. The first 90 days of Bill Pay are free. Then, you pay only $5.95 per month for up to 15 bill payments. You can make a one-time payment or schedule recurring payments to be made in the future. First Financial Bank Bill Pay is a convenient way to pay your bills because you never have to worry about envelopes and stamps.

2. How do I access the First Financial Bank Bill Pay feature?
You must first log on to First Financial Bank Internet Banking. Once you have successfully logged on to Internet Banking select the Payment tab and follow the instructions.

3. When will the funds to pay my bill come out of my account?
Funds for bill payments made through First Financial Bank Bill Pay are automatically deducted from your account on the date the bill is presented to First Financial Bank for payment by the payee.

4. Which balance can I make online payments from?
For Online Bill Pay, use the Available Balance. This balance takes into consideration any Internet transactions you have made. The system checks this balance for sufficient funds before making payments.

5. How far in advance of a payment due date, should I schedule the payment in Bill Pay?
For existing scheduled payments, you should allow five business days for handling. For new scheduled payments, you should allow seven business days for handling. First Financial Bank is not responsible for payments received late. To avoid late fees, be sure to allow sufficient time for handling.

6. Whom can I pay using First Financial Bank Bill Pay?
Almost all individuals and businesses with a mailing address in the United States can be paid through First Financial Bank Bill Pay. Payees may be businesses, merchants, individuals, friends or family members. You are responsible to ensure that you provide us with a correct address. Payees outside the United States, Tax Payments and Court Ordered payments are prohibited in Bill Pay.

7. Can I make a payment from my savings account using First Financial Bank Bill Pay?
No. Only a checking account may be used for Bill Pay.

8. How do I set up billers?
A payee is any business or individual you pay.  It can be a company that sends you a bill or a person you owe money to but don’t necessarily receive a bill from.  You can set up your payees on-line in a few easy steps. Select the Payments tab and begin using the Pay Bills feature. Upon accessing the Payment Center for the first time, you will be instructed to add a biller.  You will be walked through the process and making your first payment.

9. Are there any restrictions on the number of bill payments I can make on each business day?
There is no limit to the number of payments that you authorize.  However, you may pay only one, one-time payment and one recurring payment to each biller on the same day.

10. Can I schedule recurring payments?
Yes, for recurring expenses of fixed amounts like a mortgage payment, you can set up your payments to automatically occur by indicating the amount, date and frequency.  You can schedule recurring payments when you set up a new biller.

11. What do billers actually receive?
Billers who may receive electronic payments will receive their payments in an electronic format. For non-electronic merchants and individuals, billers will receive a laser-printed paper check sent through the U.S. Postal Service.

12. What is the fee for Bill Pay?
You are able to write up to 15 payments per month for a $5.95 fee.

13. What type of account do I need for Bill Pay?
Any First Financial Bank personal checking account is acceptable. If you have more than one eligible checking account, you can choose from which account the payments should be made.

14. How do I stop a transfer or Bill Pay payment from being made?
To cancel a transfer or Bill Pay payment, you must call us at 1-218-584-5161 and make your request at least one business day prior to the day the check is to be issued or the transfer is scheduled to be made. First Financial Bank cannot issue a stop payment once the Bill Pay payment has been made. You will have to work with the biller to resolve any payment refunds or account credits.

15. What if I used the wrong address or filled in the wrong amount for a Bill Pay payment?
If inaccurate information was submitted for a Bill Pay payment, call 1-218-584-5161 and request a change at least one business day prior to the day the check is to be issued. Once a Bill Pay payment has been made, First Financial Bank cannot issue a stop payment. You will have to work with the biller to resolve any payment refunds or account credits. First Financial Bank is not responsible for any late payment fees or finance charges if your payment is not received on time due to a wrong address, account number, or payment amount entered or provided by you.

16. What if I want to change the address, payment amount, or frequency of a recurring Bill Pay payment?
To change information on your recurring Bill Pay billers, at least one business day prior to the date of the Bill Pay issuance, simply click on the biller’s name from the Manage My Bills screen.

17. How will I know if the Biller received by Bill Pay payment?
You will know the payment was made to the Biller when the funds are taken from your account. As with any check you send in the mail, you will know the Biller received the payment when First Financial Bank debits your account.

18. Will I receive the cancelled Bill Pay check or see it with my check images?
You may see it with your check images if your payment was made by check.  If your payment was made electronically, you will not see an image of a check in your statement.  You will see the transaction on your regular bank statement.  It will be identified by the information you provided in the “Description” field on Bill Pay.  For example, if you fill in “Payment to Phone Company” that will appear on your statement along with the amount of the payment.

19. What if I do not have sufficient funds in my account to cover the amount of the Bill Pay?
In the event of insufficient funds to pay your checks, we may return your checks and charge you a fee.  At our discretion, we may create an overdraft by paying the check or permitting the transaction.  Either way, there would be a service charge.  Each account owner is jointly and severally responsible for paying any overdrafts created by an authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds.