The Challenge:

With more than 130 years of service and $14.3 billion in assets, First Financial Bank (FFB) is known for its financial strength, personalized customer service, and community focus. As fraud threats evolved, the bank wanted tools that matched its reputation for stability—solutions that could prevent losses before they occurred and simplify work for staff across its regions.

Before implementing AFS tools, teams at First Financial Bank were largely reacting to fraud instead of preventing it.

  • Tellers had limited visibility into duplicate or counterfeit checks.
  • Fraud reviews often took place after funds were already disbursed.
  • Manual callbacks and external account verification slowed ACH operations.

The bank needed a way to identify high-risk items in real time, protect customers from loss, and reduce friction for frontline staff.

“TrueChecks often prevents fraud from occurring instead of responding to fraud after it has already occurred.” – First Financial Bank

 

The Solution:

To modernize its fraud prevention and risk management strategy, First Financial Bank deployed TrueChecks and
TrueACH across key business units.

  • TrueChecks integrates directly with the bank’s Jack Henry SilverLake Teller Capture system, giving tellers immediate insight into duplicate, closed, or known fraudulent items—right at the window.
  • TrueACH enables real-time validation of account ownership for micro-deposits, new accounts, and external transfers in online and treasury channels.

The implementation was smooth and collaborative. Treasury management, retail training, and technology teams worked with AFS to ensure seamless rollout. Within weeks, TrueACH and TrueChecks were fully operational and quickly adopted by frontline staff.

“With TrueACH, our back-office team has experienced a noticeable improvement in workflow. The real-time validation has reduced the need for manual reviews and exception handling, allowing us to focus on other important tasks.” – First Financial Bank

 

The Results:

“TrueChecks has allowed us to prevent losses for our customers. When they realize we just saved them from losing money, they are very appreciative.” – First Financial Bank

After implementing AFS solutions, First Financial Bank:

  • Stopped potentially fraudulent checks at the point of presentment
  • Improved operational efficiency with faster ACH workflows
  • Empowered frontline tellers with real-time insights at the window
  • Protected customers by preventing fraudulent transactions before loss occurred
  • Gained peace of mind—staff report higher confidence in identifying suspicious items and maintaining compliance

“TrueChecks has allowed FFB to be proactive instead of reactive when dealing with check fraud. It has allowed us to get an insight into non-FFB checks and identify duplicate items, known fraudulent items, closed accounts, and more. Since a quick decision about the item can be made at the time of the transaction, it not only saves the bank from fraud; it protects our customers as well.” – First Financial Bank

 

This isn’t just about stopping fraud for First Financial Bank and its customers. It’s about reducing operational drag, cutting customer disruptions, and protecting more dollars in less time. Advanced Fraud Solutions helps fraud teams act fast, focus on real threats, and deliver clear audit trails when it matters most.

 

About First Financial Bank

First Financial Bankshares, Inc. (NASDAQ: FFIN) operates eight banking regions with 79 locations across Texas. Recognized by Bank Director Magazine and S&P Global as one of the nation’s top-performing banks, First Financial combines strong capitalization with community commitment, continuing a 135-year tradition of trust, stability, and service.

 

Photo of First Financial Bank