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Optimal Checking

Account Features

  • $0 minimum opening deposit ($1,000 minimum balance to avoid monthly fee)
  • No direct deposit or transaction requirement
  • Discount on check order
  • Unlimited check writing
  • One overdraft fee reversal per year
  • Free Online Banking
  • Free e-Statements
  • Free check images online
  • 5 free bill pay transactions per month
  • Free Bank-by-Phone
  • Free First American Bank MasterCard® debit card
  • 2 free non-First American ATM transactions per statement cycle with direct deposit*
  • Tiered premium interest rate account; compounded daily and credited monthly
  • Overdraft protection options available

This high interest checking account is automatically loaded with features when you sign up.  It's the checking account for those who deserve the best in financial freedom.

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MasterCard® Savings™

Enjoy discounts at thousands of stores just by using your MasterCard® debit card.  Register online to receive discounts when you shop online or print out coupons for use in retail stores.  Go to savings.mastercard.com for more information.

Third party link information This indicates a link to a third party site.  Please note the third party's privacy policy and information gathering may differ from First American Bank's and you should review these policy disclosures on the third party website for specific details. First American assumes no responsibility of your use of the products, services or overall content of the linked site.

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