First Financial Bank and MainSource Bank

On July 25 2017, MainSource Financial Group and First Financial Bancorp entered into a definitive merger agreement. Please see the official press release announcing the transaction for additional information on the merger. Read official press release. 

Until the merger occurs, MainSource and First Financial will continue to operate with a primary goal of seamless customer service. The merger is anticipated to occur during the first quarter of 2018. 

Once the merger is complete, we will work to integrate the operations of MainSource and First Financial. Detailed information regarding changes, if any, to your accounts will be sent to you at that time. Your accounts will remain unchanged until the operations are integrated. 

In the coming months, we will share information regarding the merger. We have answered frequently asked questions below. 

If you have deposit accounts at both MainSource Bank and First Financial Bank, funds in those accounts will be separately insured for a period of six (6) months after April 1, 2018. This time period will allow to work with a MainSource Bank representative to restructure your accounts, if necessary.

Basic FDIC insurance coverage is $250,000 for each depositor at each bank. As long as the combined total is $250,000 or less (including accrued interest), all of your funds will be fully protected after the merger. Deposits that are held in different ownership categories such as joint, single or retirement are separately insured and may still be fully insured after April 1, 2018. 

Certificates of Deposits (CDs) will be separately insured until the earliest maturity date after the end of the six (6) month grace period previously noted. CDs that mature during the six-month period are renewed for the same term and in the same dollar amount (with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

To determine insurance coverage, please visit the FDIC's Electronic Deposit Insurance Estimator

Divestiture Statement

On January 25, 2018, First Financial Bancorp (NASDAQ: FFBC) (“First Financial”) and MainSource Financial Group, Inc.(NASDAQ: MSFG) (“MainSource”) entered into a Letter of Agreement with the United States Department of Justice (“DOJ”) regarding the divestiture of four(4) MainSource Bank branch locations in Columbus (Bartholomew County), Indiana,and one (1) MainSource Bank branch location in Greensburg (Decatur County), Indiana. The divestiture will include all deposits and loans, as well as all real and personal property, associated with the branches. The divestiture is designed to resolve competitive concerns raised by the DOJ regarding the pending merger of First Financial and MainSource.


The branches and addresses to be sold are listed below.



Branch County Address City,State and Zip

Greensburg Plaza Decatur County 304 E 10th Street, Greensburg, IN 47240

Columbus Downtown Bartholomew County 529 Washington Street, Ste 100 Columbus, IN 47201

Columbus Drive Thru Bartholomew County 803 Washington Street, Columbus, IN 47201

Columbus North Bartholomew County 1901 25th Street, Columbus, IN 47201

Columbus West Bartholomew County 2310 W Jonathan Moore Pike, Columbus, IN 47202


The Letter of Agreement provides, among other things, that the parties will take certain required steps to sell the branches to a competitively suitable purchaser or purchasers, subject to the approval of the DOJ. Prior to sale, First Financial and MainSource will preserve, maintain and continue to operate the branches, including maintaining all branch personnel. The sale of the branches must be consummated within 180 days following completion of the merger of First Financial and MainSource.


The proposed merger remains subject to final approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) and other customary conditions.


Anyone with inquiries regarding this announcement should contact Annie Efkeman at or 812-663-6645 or Elise Cappella at or 513-979-5796. 

There are a few instances where your account number(s) will need to change. The accounts affected will receive a letter via US Mail prior to conversion.
Yes. If you have a MainSource Bank Debit Card today, you will receive a First Financial Debit Card with secure EMV chip technology. You will receive your new chip card with detailed instructions prior to the conversion.
First Financial offers Online Banking at BankAtFirst.comIf you are enrolled in MainSource Online Banking, we will notify you of any changes to your Online Banking account. Please continue to use your current Online Banking account until further notice.
MainSource Bank and First Financial Bank are working to officially merge MainSource into First Financial Bancorp near the end of first quarter 2018. The bank will continue to operate as MainSource Bank and First Financial Bank until a full system integration later in 2018. At the time of the system conversion, MainSource Bank will become First Financial Bank.

MainSource Bank and First Financial Bank will remain separate operations until a full system integration, which is anticipated to occur in the second quarter of 2018. Until this time, continue to do your banking as you do today.

Have additional questions? Please feel free to contact our Customer Service Department at 800-713-6083 or email us at
Life needs a great bank

Insurance and Investment products are NOT insured by the FDIC; not deposits or other obligations of, or guaranteed by the institution; subject to investment risks, including possible loss of the principal amount invested.