First Financial Bank Texas 4+

I have been a customer of First Financial Bank for almost 40 years and was an employee over two separate stretches. The app is very good and it allows you to do pretty much anything you might need to do to complete your banking needs. I love the alerts feature which sends me text messages for various things happening with my account. They keep the app updated and fresh. I really like the Bill Pay feature that allows me to make payments without having to go to all the other payment sites. If they can’t send the payment electronically they’ll cut a check to the payee! I love being able to set payments and know they’ll get paid! FFB is one of the best banks if not THE best bank in Texas!

The app is very user friendly and easy to navigate. My only issue is the Financial Tools. That may not actually be the app itself, but the programming. I have the same weekly transaction for my church, and although I’ve told the system to mark it a certain way each time, it doesn’t recognize any part of the name. The transaction is slightly different each week (last portion of the phrase). The first set of words are the exact same each transaction. So the algorithm should pick up that up, but it’s built to only recognize a word or series of words if it matches 100%. So although the first portion never changes week to week, the programming cannot catch it. And then, the category the system defaults to, makes absolute no sense. If a word has the full word “church”, how does that default to vacation? The Financial Tools is slightly newer so hopefully they work on improving it. Otherwise, I love the bank and the app features.

If it wasn’t for the way First Financial does the APP photo check deposit I would have given a 5 star rather than the 2 star since I found the APP photo deposit I have used it several times and the convenience side of it is a great idea BUT It isn’t convenient at all because when you use the APP photo deposit it takes at least 3 days before you can access the money and then when First Financial do finally deposit it into your account the last photo deposit I did it has been 4 days and we still do not have access to the full amount. This feature is suppose to be fast and convenient BUT it is everything but fast and convenient. The way I see it this is all computer generated so in turn of that a photo deposit should be faster, the TV commercials indicate that when you do a photo deposit it immediately goes into your account but sadly it does not First Financial Bank sits on it for several days then they they don’t add the full amount into your account.
Fix this and I’ll gladly give a 5 star rating
Patrick