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Find a First American Bank branch or surcharge-free partner ATMs wherever you travel.

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Mobile payment systems are fast, safe and secure

It only takes a few moments to link your smartphone or tablet to your First American Bank Mastercard® debit card. After that, you won't need your wallet when you pay for in-store or in-app purchases. Just tap or swipe your device against the electronic payment terminal and you'll be out the door faster than ever.
  • Use your Mastercard debit card to pay at over one million U.S. locations that accept mobile payments
  • Get all of the same benefits your card offers, including the added protection of Mastercard Zero Liability*
  • Security safeguards ensure that your payment information is never shared with merchants or stored on your device
  • Learn more about Google Pay™, Apple Pay® or Samsung Pay® and download the free apps
First American Bank is a full-service bank with locations in Illinois, Wisconsin and Florida.

*Certain restrictions may apply. Learn more about Zero Liability here.

Visit for a list of other compatible Apple Pay devices. Apple and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.

Samsung Pay is compatible with select cards and Samsung devices. Visit for details. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Learn more about compatible devices at Android, Google Pay and the Android Logo are trademarks of Google LLC.
The Mastercard Automatic Billing Updater (“ABU”) is an automated solution that helps to ensure uninterrupted service for cardholders and uninterrupted payments by updating card-on-file (“COF”) information for recurring payments. This program helps to reduce COF transaction declines due to changed card numbers or expiration dates.
The Mastercard ABU service is required by Mastercard for all consumer and business credit and debit cards.
Cardholders may have recurring payments by using a card on file setup with a merchant(s). When changes are made to a cardholder’s card - for example, a debit or credit card number has been changed or an expiration date has been updated - cardholders often do not advise merchants about changed card information. This causes recurring payments to be declined creating late payment situations that inconvenience both merchants and cardholders. The Mastercard ABU service allows the updated information to be automatically provided to participating merchants resulting in fewer declines. The service eliminates the need to contact each merchant with updated card information.
  • Reduces declines 
  • Helps to ensure on-time bill payment 
  • Provides better cardholder and merchant service 
  • Prevents late fees and service disruptions
Yes. If you do not want to participate in the ABU service, please contact us by phone at (847) 952-3700 or see a banker to opt-out of the ABU service.
No. The Mastercard ABU service is only available at participating merchants. Merchants can choose the frequency at which they check for updated payment information, or may not use it at all. To avoid late payments and penalties, cardholders must check with their merchant, and not rely on this service to ensure that card information has been updated.
No. Participation in this service is optional for merchants and cardholders. First American Bank does not have a merchant list.
Merchants that keep cardholder’s card numbers on file for recurring payments may include phone companies, cable services, utilities, music subscriptions, magazine subscriptions, gym memberships, insurance companies, online stores, ride-sharing services and more.
Automatic payments using the original card information will be declined and merchants may charge a late fee.