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First and Simply FAQs

April 18, 2024 update: Our FIRST day is moving.
As of April 18, we are moving our FIRST day in the First Financial family to later in the summer. And that means as we wait for an OK from federal bank regulators, we all have a little more time to get ready for the switch.

In the meantime, just keep enjoying more time with the people and things you love most. (Like your favorite new show on Netflix, which also won’t need a payment update for a little while longer!)

The date change also means you don’t need to worry about May 2 service outages, closing early on May 3, or the May 6 transition – those will take place later in the summer. 

We’re simply staying SimplyBank for a few more weeks – and we’re excited to continue providing more of the exceptional service you expect. As soon as bank regulators wave our merger on to the runway, we’ll hit the seatbelt light and get on with our exciting new journey.

As always, thank you for choosing #MySimplyBank. Please don’t hesitate to reach out to your local banker with any questions.

-the SimplyBank team

P.S. If you have already updated your bank routing number on any online or recurring payments, you’ll need to make sure the routing number remains 064204703 until we officially join First Financial Bank, or attempted payments will fail to post. (And if you’re like us, life without seven streaming services is unimaginable.)

[read important disclosures and info at]

Have a question not listed here? Feel free to ask us by emailing
SimplyBank ownership has decided that it’s time to retire and wanted to make sure the bank, our team, and our customers are in a position to continue our legacy as a bank that’s deeply rooted in local communities.
Like SimplyBank, First Financial is a strong, community-focused bank with a 190-year history of supporting communities and helping people with their financial needs. First is committed to community banking and quality customer service.
Our branch network and the locations in our footprint are important pieces of our growth plan with First; there are no plans to close any locations currently. They do not have any other locations in our area, so they are excited to expand their customer base in southeast Tennessee and northwest Georgia.

No! First Financial has locations in Indiana, Illinois, Kentucky, and Tennessee; our SimplyBank locations will be the first locations in the metro-Chattanooga and metro-Knoxville areas.

In most cases, yes. As we work together in the coming months to merge our teams, we will determine how we will move forward and make decisions together. As a customer, you should see no changes in how decisions are made.
When we merge, we will take great care to match your current accounts to First Financial accounts with similar benefits and features. To give you time to familiarize yourself with your new accounts once we merge, we’ll waive the monthly service charge for your first two monthly statement cycles after the transition date. If you feel a different account may better suit your needs, simply let us know.
Yes. Your money will still be insured up to the $250,000 insurance limit under the FDIC. Your accounts and your money will still be as safe. Check out the FDIC EDIE tool or call your local branch and banker to find out more.
Your checking, savings, CD and IRA account numbers will remain the same, unless you’re notified otherwise.
We are diligently working together with the team at First to navigate the process of carefully merging our businesses. We anticipate this process will be completed and effective on April 1, 2024.
Our merger is set to be effective on April 1, 2024. Your account will be converted to a First Financial account near that time. There’s no need for you to do anything. We’ll make sure everything is done for you.