• At First American Bank we take your business – and your entrepreneurial spirit – personally. We understand that every business has unique banking needs. That's why we've created the eSpirit Checking Account, which has the flexibility to meet your individual situation.

It's hassle-free, so you don't have to think about complicated fee structures. And it's easy to manage because it's based on the number of monthly transactions you make – not the size of your business or your balance.

Free Services

When you open an eSpirit checking account at First American, you'll receive the following benefits:

• FREE MasterCard® BusinessCard
• FREE Online Banking
• FREE Bill Payment (first 20 transactions)
• FREE eStatements – no more papers to file
• Merchant Service with no application fee
• $50 discount on the first order of business style checks
• $10 discount on business style deposit tickets

Easy Options

We’ve designed eSpirit Checking with busy entrepreneurs in mind. Which means it’s simple, straightforward, and hassle-free.

Here’s how it works:

• You can make up to 250 free transactions per month with no minimum balance or maintenance fee.
• If you exceed 250 transactions in any month, you can make up to 400* free transactions as long as you maintain a minimum balance of $10,000.

Transactions include the following:

You decide. At First American, your way is the best way. It's as simple as that.

*If the number of transactions exceed 400 in any given month, an excess transaction fee of $0.50 will be applied to each transaction over 400, regardless of balance level. In addition, the $22.50 maintenance fee will apply. See Business Account Fee Schedule for other fees which may apply.