- 10 years of service
- $2B+ in assets
Providing exceptional service beyond the branch
First Financial Bank has embraced the power of digital to extend their white-glove experience beyond their doors—helping all Texans put their best foot forward. And for 14 years, Bank Director has named them a top 7 bank in the nation in the $5 billion to $50 billion category. Because while they’re providing their customers with modern, “big bank” benefits, they’ve maintained the local decision making and customer care that’s driven meaningful financial growth across Texas for over a century.
Why First Financial Bank banks on Q2
To fight fraud without friction
First Financial is hyper-focused on protecting their customers from fraud—and they want to do it without interrupting their daily lives. With innovative fintech solutions and CentrixDTS, First Financial has put powerful safeguards in place to stop fraudulent attempts while removing friction from their end-user experience—helping customers make secure, seamless transactions every day.
To drive engagement up and attrition down
First Financial has leveraged Q2’s native navigation, Composable Dashboard, and third-party development partners to pair each customer with the tools they need the moment they log in. This personalization has paid dividends. Not only has it helped build more profitable relationships, but according to First Financial, their digitally engaged users are 50% less likely to leave the bank than customers not enrolled in online banking.
To evolve with every stage of life—and business
With many of their branches near college campuses, First Financial needs to cater to young populations who may be newer to banking. Thanks to their advanced mobile and digital experience, they can serve this group both today and well beyond their college years. Plus, First Financial can easily implement sophisticated commercial solutions that help Texas businesses grow and scale without having to bank anywhere else.
- 5% decrease in Zelle fraud YOY with Entersekt
- 5% lower attrition from digital engagement
- $5B+ in digital transactions moved annually
- 5M+ digital banking logins in 2024
To support a new level of service, volume, and cost savings
First Financial’s digital strategy has helped them deepen their relationships, catapult their transactions, and operate more cost-effectively. In 2024, over $45 billion was moved through their digital channels among their retail and treasury management customers. This same base logged into online banking 44 million times that year—which First Financial supported at just 7 cents per login. While their digital channel is certainly an inexpensive one, the primacy it helps build is invaluable. And with efficiency drivers like Q2’s automated dispute tracking and account switching, First Financial has reduced overhead and manual errors.
“There’s no way we could move this fast if we didn’t have Q2 as a partner. I see Q2 as an extension of my team. We’re truly partners. I couldn’t do anything that I do without them.”
Chief Digital Officer
Q2 is not a vendor to us. They are very much a strategic partner. And one that we rely on 24 hours a day, every day of the year.
President & CEO
Tools for success
Q2 helps First Financial Bank support Texas families and businesses with solutions like:
Q2 Composable Dashboard
First Financial uses Composable Dashboard to curate relevant content and products on their customers’ home pages. The personalized interface allows customers to handle nearly all their banking in one spot and recommends new features that may be a good fit for a particular user. First Financial said it themselves, “Composable Dashboard has been a gamechanger for us.”
Q2 Innovation Studio
Q2’s developer suite and fintech partner ecosystem make it simple for First Financial to customize their digital banking experience and integrate the tools their customers need—such as SavvyMoney for credit score monitoring, PayRecs for treasury management, and the latest in fraud protection like DefenseStorm and Entersekt.
Q2 Centrix
CentrixDTS delivers paperless dispute tracking for faster transaction resolution—simplifying disputes and easing burden for both First Financial and their end users.
Q2 ClickSWITCH
ClickSWITCH lets customers transfer their direct deposits and recurring payments to First Financial with ease. What used to take their bankers hours on the phone with the Social Security Office now takes just a few clicks.
