Welcome To ZenithFunds Bank

APR= Annual Percentage Rate. All loans are subject to credit review and approval and rates are subject to change without notice.

1. Online First Quick Loan applications must be requested in amounts between $2,000 and $50,000. Applications above $50,000 must be made in a branch and require additional information and documentation. The loan will have a draw period with a promotional rate for the first six months. After six months any outstanding balance will convert to a 60-month term loan which will require principal and interest payments. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.

2. Online personal loan applications must be requested in amounts between $2,000 and $250,000. If you intend to request more than this, please contact your local financial center. If the amount you request is greater than $250,000, your application may be declined or underwriting delayed. Loan amounts above $50,000 may require proof of verified liquid assets. Your final rate will be determined based on your loan amount, term, and credit score. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.

3. No withdrawals from the savings account are permitted until the loan is paid in full. There are no fees associated with the Credit Achiever product. Maximum loan term is 48 months.

4. Your final rate will be determined based on your loan amount, term, and credit score. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.

5. Your final rate will be determined by the amount of assets in savings, certificate of deposit, or investment accounts used as collateral. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.

6. Your final rate will be determined by the type of liquid assets you use to secure the loan. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.

7. Balance Boost is a borrowing feature included with most personal use First Financial Bank checking accounts. Any joint account holder must be 18 or older and enrolled in Online Banking to use Balance Boost. With an eligible checking account open for 30 days or more, your ability to use Balance Boost and the amount you are able to borrow is based on your First Financial Bank checking account history, including but not limited to account balances, transactions, overdrafts and return history. An active or recent bankruptcy or other legal process may disqualify you.

Balance Boost is subject to terms and conditions on your loan agreement. You can borrow in increments of $1 with a minimum borrowing amount of $200. The maximum amount you may be eligible to borrow is $600. Although your credit score is not used to determine eligibility, once you borrow money using Balance Boost, your account and activity will be reported to the credit bureaus. Balance Boost may positively or negatively affect your credit score. The Courtesy Cash limit on your checking account is reduced when you have an outstanding balance on your Balance Boost.

Funds may be deposited into and available in your First Financial Bank checking account in as quickly as 5 minutes. Although 5 minutes is typical, there may be times when funds are not deposited and available in your checking account until the next day depending on processing times. A Balance Boost loan must be paid in full with at least a one business day waiting period before another Balance Boost loan may be approved (only one outstanding loan at a time per checking account and per individual). No more than three Balance Boost loans may be approved within a rolling 6-month period on any given checking account or by any individual.