I have been a customer with 1st Financial Bank for over 6 years now, no problems. I always hated that they charged me to pay my bill, but it is what it is. In the last year or so, I started having trouble making my payments. I was RESPONSIBLE -- I called them, I set up payment plans, ect. Whenever I went over my limit, it was because of their huge intrest fee! But I always paid, period. This year, I got a notice in the mail stating that I qualified for thier program where they lower your interest rate to 0%, and payments are drafted... read full review »