facebook youtube LinkedIn Twitter

First Financial Bank Merger

Learn how how the merger will affect you

Read Story

New Account Information

Everything you need to know about your new account

Read Story

Your First Financial Bank Debit Card

Important Information About Your Debit Card

In August you should have received your new First Financial Bank VISA debit card to replace your First Bank MasterCard debit card. A letter was included outlining details regarding your new First Financial VISA card. It is important that you activate the new card as soon as possible as your First Bank debit card will not be active as of October 15. Remember if you have repetitive payments withdrawn from your account using your current debit card please notify the companies that your card number is changing.

Your First Bank debit card will no longer work after 8:00AM CST on October 15, 2015. Please discontinue use and destroy your First Bank debit card as soon as you activate your First Financial VISA debit card.

Please contact us at 936.760. 1888 should you have questions. We are here to help and sincerely appreciate your business.

Next Story

Welcome to First Financial Bank

First Bank is now First Financial Bank

Letter from Sam W. Baker

It is our pleasure to announce that First Bank will soon become First Financial Bank, N.A. First Financial Bank, as the flagship of First Financial Bankshares, Inc., has a rich 125-year Texas heritage, and is currently recognized as the #1 top performing bank in the nation by Bank Director magazine’s rating of publicly traded banks in the $5 billion to $50 billion asset category. As one of the nation’s most financially secure banking institutions, First Financial Bank has assets of $6.03 billion, 12 banking regions and 62 convenient locations. In addition, its affiliate, First Financial Trust & Asset Management Company, has eight convenient locations, and, along with First Financial Bank, is able to serve customers in Texas markets stretching from Hereford in the Panhandle to the Beaumont and Orange area in Southeast Texas. The acquisition of First Financial Bank will add eight additional locations to the footprint of First Financial Bank.


We are proud to join an organization that mirrors our own history of growth and strong financial performance, as well as our commitment to making banking decisions on a local basis and serving the local community through me, as president, and our management team and board who truly lead the bank. You will be served by the same friendly, professional bankers in each of our locations. If you would like to know more about First Financial Bankshares, please visit www.ffin.com.

We will be enhancing our existing products and services in the coming months, but want you to know that going forward, it will be business as usual. You may continue to use your existing checks or any other bank documents without change. We will send you account conversion information by the end of the month, but want to make you aware of some of the exciting and beneficial enhancements you can look forward to after August 31st:

  • Your debit card will be free! That’s right, you will no longer be charged a monthly fee.
  • Your mobile banking experience will be state-of-the art with deposit and Picture Pay (bill pay) features as well as on/off and transaction alert debit card management.
  • You will enjoy using our all NEW deposit-taking ATMs, so you can bank with us 24/7.
  • You will have access to trust and wealth management services through First Financial Trust & Asset Management Company.
  • You will be able to bank more conveniently beginning August 3rd as we expand our lobby hours to stay open until 5 p.m. Monday – Thursday and Friday until 6 p.m.

There is no action necessary on your part at this time, but if you have any questions or concerns, please contact us at (936) 760-1888 or come by the bank, and we will be happy to assist you and answer any questions you may have. We appreciate the trust you place in us today and look forward to serving you for many years to come.


Sam's Sig

Sam W. Baker
President and CEO

Next Story

Your First Financial Bank Account

Learn How These Changes Will Affect You

A note from Sam W. Baker

First Bank in Conroe will complete our merger with First Financial Bankshares, Inc., a family of locally directed community banks with over a century of tradition in Texas, over the weekend of August 28th. First Financial is a top performing bank holding company known for providing superior products, excellent service and personal attention. We are proud to be changing our bank name to First Financial.


We are enhancing our existing checking and savings accounts with new and better features. This change takes effect automatically on August 31st and will require no action on your part. You may see some differences between your current account type and your new account type. A New Accounts Guide and Schedule of Fees is included on this page. The New Accounts Guide has an easy account conversion with links that detail the many upgraded features and benefits of your new account. If after reviewing your new account information or receiving your first new account statement you feel another account type might better meet your needs, please feel free to contact us or come by the bank and visit with a personal banker.

Here are answers to some questions you may have:

  • Your base account number will not change, however a branch number and/or zeros will be added to the front of the account number to equal 12 digits.
  • The bank’s routing number for wire transfers, check reorders, direct deposit and automatic drafts will change to 111301122.
  • You will get a new debit card number, and you will also receive a randomly generated PIN. If you have automatic payments paid with your debit card number, please remember to notify those companies of this change for payments made after August 28th. If you prefer to change the randomly generated PIN, please stop by one of our conveniently located bank lobbies; the debit card needs to be present to change the PIN to something you prefer.
  • Don’t worry, your existing checks and deposit slips are fine to use "As Is" until your next reorder. At that time please begin using the new 12 digit account number with the new bank routing number mentioned above.
  • You will receive two (2) statements during the month of August. One will occur on August 28th and another on your regular statement cycle date. The August 28th statement will show interest paid from your last statement through August 28th.
  • Online banking and bill payment customers will receive a separate mailing with new changes.
  • Your direct deposit and automatic drafts will transfer to the new system. When it is convenient, please notify any company that may need your new 12 digit account number and new bank routing number information for automated deposit or payments

If you have any questions or concerns, please feel free to contact us by calling (936) 760-1888 or coming by the bank. We are happy to answer your questions and explore new options with you. We value your business, and we want to make sure these changes are a WIN/WIN for all parties...especially you!


Sam's Sig

Sam W. Baker
President and CEO

Next Story

New Account Guide

Exciting Changes You'll Want To Know About

On August 31st, First Financial Bank will introduce new account products to replace your current checking and savings accounts. This New Accounts Guide is provided to help explain the changes taking place.

You will want to note important information about account number changes. Please refer to the Easy Account Conversion Tables to determine your new account type.

We hope you enjoy your new account and its numerous features. If you have any questions, please visit us or call us at 936.760.1888.


Important Account Number Changes

Beginning August 31st, your account number will become 12 digits in length.

Branch Number + 9 digit old account number

Branch Number + zeros + old account number < 9 digits

Branch Number + 10 digit old account number less last digit

Branch Number + 11 digit old account number less last two digits

Branch Numbers
140 - Conroe
141 - Montgomery
142 - Westview
143 - FM 1488
144 - Cut and Shoot
145 - Willis
146 - Creekside
147 - Huntsville

You can use your existing checks and deposits, but please use your new 12 digit account number and bank routing number 1113-0112-2 when reordering checks.

Easy Account Conversion Tables

The new account products replacing our current accounts are listed below.
Visit http://www.ffin.com/bank-ffb-personal for account details

Personal Checking Account Changes

Old Account New Account
Five Star Checking WOW! Checking
Prestige 62 Checking Heritage Checking (62+)
Interest Checking Interest Checking
Presidents Checking Interest Checking

Personal Savings Account Changes

Old Account New Account
Statement Savings Savings
Minor Savings (Age 13 - 18) Savings
Minor Savings (Age 0 - 12) Kid's Savings
Money Market Savings Premier Money Market
IOLTA No Change

The new account products replacing our current business accounts are listed below.
Visit http://ffin.com/bank-ffb-business for account details

Business Checking Account Changes

Old Account New Account
Commercial Analysis Business Analysis
Budget Business No Changes
Interest Checking Commercial Business Interest Checking

Business Savings Account Changes

Old Account New Account
Money Market Savings Commercial Business Money Market
Presidents Business Money Market Business Money Market
Statement Savings Business Savings

Schedule of Fees

(effective August 31, 2015)

The following fees may be assessed against your account and the following limitations, if any, may apply to your account.

Item/Event Fee
Account Closing Fee (90 days) $15.00
Account Closed in Overdraft $25.00
Inactivity Fee (120 Days) Checking Only $5.00
ACH Origination Transmission $5.00
Chargeback Fee $3.00
Returned Item Fee(s) $30.00
Overdraft Item Fee(s) $30.00
Balancing Assistance Per Hour $25.00
Research Charge Per Hour $25.00
Research Item Copy $3.00
Fax Service Per Page (where available) $2.00
Levy Attorney Fees
Garnishments Attorney Fees + $35.00
Special Cut Off Statement $5.00
Instant Statement $2.00
Duplicate Statement $2.50
Hold Statement $2.00
Telephone Transfer (if applicable) $2.00
Sweep/Automatic Transfer $5.00
Stop Payments $30.00
Wire Transfers - Incoming $7.50
Wire Transfers - Outgoing $15.00
Wire Transfers - Foreign $100.00
Debit Card (replacement) $5.00
Transactions at FFB Owned ATMs No Charge
Transactions at Non- FFB Owned ATMs $1.50
Balance Inquiries at Non- FFB Owned ATMs $1.50
Consumer Collection Items $15.00
Temporary Check $1.00
Cashier’s Checks (if not included in account) $3.00
Safe Deposit Box Key Deposit $10.00
Safe Deposit Drilling Fee Minimum: $75.00
MSB Monthly Fee $600.00
Medallion Guarantee Stamp - Customer Where Available
Amortization Schedule $10.00
Night Deposit Bag - large $30.00
Night Deposit Bag - small $20.00
Vinyl Zipper Bag $5.00

You may overdraw your account balance up to $5.00 without being charged an overdraft charge. In addition, you will only be charged a maximum of $150 (5 items) per day for an overdraft created by check, in-person withdrawal, ATM withdrawal or other electronic means. You will only be charged a maximum of $150 (5 items) per day for returned items created by check, in-person withdrawal, ATM withdrawal or other electronic means.

Safe Deposit Annual Rate Fees

Size Fee
2x5 $12.00
3x5 $20.00
5x5 $25.00
3x10 $25.00
5x10 $40.00
10x10 $100.00

Fees are effective for Safe Deposit Box renewals.