Here's a great rate that's guaranteed for a full year.  At First American Bank our Optimal Checking SPECIAL account pays interest like a CD with a 12-month guaranteed rate of 1.50% APY on balances less than $100,000. Plus, it offers a full range of free features to make your banking a lot easier. 

Account Features

• Free online banking
• Five free online bill payments per month*
• Free MasterCard debit card
• Free check images
• Free Bank-by-Phone
• Free e-statements
• Free deposits and withdrawals at hundreds of First American Bank ATMs
• No charge for cash back on debit card transactions at thousands of grocery, drug stores and more

To open your Optimal Checking SPECIAL account today, stop by one of our conveniently located branches or give us a call.

Account subject to approval. Limited to new customers with new money that has not been on deposit at FAB for the last 12 months. Excludes current CheckingPLUS customers. Limit one per household. $1,000 minimum daily balance to avoid monthly fee of $15. In order to receive the disclosed Annual Percentage Yield (APY), one of the following must occur: 1) automatic funds transfers (AFT) to a First American Bank loan or ACH debit/credit is activated within 62 days of opening the account and posted within the second full statement period; or 2) 10 deposit/withdrawal transactions made within the second full statement cycle and ongoing thereafter. Limited to Illinois residents of Cook, Lake, DuPage, Will, DeKalb, Kendall, Kane, Grundy, McHenry, and Kankakee counties. Individual, joint and living trust accounts only. As of 2/2/10, 1.50% APY on balances less than $100,000; 0.75% APY on balances of $100,000 or more. APYs guaranteed for 12 months from date of account opening and may be reduced by fees incurred, if any. After initial 12 month period, rates may change at any time. Terms and conditions subject to change. If account is closed prior to 6 months, $25 fee will apply. See account agreement for full details. *$0.50 fee per bill payment after 5 per month.