When it comes to checking accounts, everyone's needs are different. Some prefer the hours and convenience of ATM banking. Others routinely carry a high balance, so earning interest is important. Still others write a large number of checks each month. And because we want to make everybody happy, First American offers a variety of checking options.

Each of our checking accounts is flexible enough to meet a wide range of needs, while providing the personalized services and conveniences you've come to expect.  Whatever your preferences may be, you'll find a First American checking account that's right for you.

We also offer two types of overdraft protection.  Our Account Link service will connect your checking account to your savings or money market account, and in the event of an overdraft, funds will be transferred into your checking account to cover the amount of the overdraft.  Our Check Credit service is a pre-approved line of credit that will automatically fund your checking account should you overdraw.

Our Terms and Conditions show you details about each account.  However, because there are so many features and options to choose from, you may find you need a little help in making your choice.  If that's the case, talk to one of our personal bankers.  They're always happy to help you decide which checking account best suits your needs.

With First American online banking you can do all kinds of cool things, like:

	Check your balances at any time of the day.
	Check your account history
	Look for a missing transaction
	Transfer funds from one account to another
	See copies of your check images
	Pay your bills

All First American checking accounts offer features designed to make your banking fast, easy and convenient.

	You can access your account 24 hours a day at any STAR® ATM. You can also withdraw money worldwide, anywhere you see a CIRRUS® ATM sign. For a list of the STAR® ATMs near you, click here.
	All accounts accept direct deposit of payroll and government checks, so you don't have to go to the bank on busy days.
	Bank-By-Phone is available from 7:00 a.m. to midnight, Central Standard Time, seven days a week. You can take care of a lot of banking business, including balance and checks cleared inquiries, transferring money between accounts and verifying ATM transactions.
	In the event your checking account becomes overdrawn, our Account Link service will automatically transfer funds from either your pre-linked savings or money market account.
	We also offer another type of overdraft protection. Check Credit is a pre-approved line of credit that provides insurance against the fees and embarrassment associated with overdrawing your checking account.
	Our Customer Service Center provides person to person service six days a week. Just call (847) 952-3700, or in Joliet, call (815) 729-8050, and in Kankakee, call (815) 935-7055 or email us.

Refer to our Terms and Conditions for more details about each account.