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Watch your money grow while you save.

Looking for the smartest return on your money? Open an Optimal Money Market account with First American Bank! Earn 4.35% interest rate (3.27% blended APY) on balances of $25,000 or more for 6 months.1

Get started saving today with a few simple steps:

  1. Open your new Optimal Money Market account
    Open an account online or at your local branch by April 30, 2024. Current Optimal Money Market customers, please contact your local branch on how to take advantage of this promotion.
  2. Make your deposit
    Deposit at least $25,000 not currently on deposit at First American Bank.
  3. Watch your money grow
    Maintain a balance of at least $25,000 to earn bonus rates for 6 months.
Balance 6 Month Bonus Interest Rate2 Annual Percentage Yield (APY)
$25,000-$49,999 4.35% 3.27%
$50,000-$249,999 4.35% 3.65%
$250,000+ 4.35% 3.90%

Take advantage of these additional benefits of your Optimal Money Market account.

Competitive Interest Rates

Our interest rates are compounded daily to give you the best possible returns.

Secure, Easy Digital Banking Tools

Check your balance, make deposits and manage your account anytime with First American Bank’s online and mobile banking. Download the mobile banking app.

FDIC Insurance

FDIC insurance covers this account and other First American Bank deposit products.


1-Limited to new Optimal Money Market accounts opened between 3/1/24-4/30/24 with a minimum $25,000 deposit. Opening deposit restricted to funds not currently on deposit at First American Bank. For accounts opened online, minimum $25,000 deposit due within 30 days of account opening. If not received within 30 days, the account will be converted to our standard Optimal Money Market account, standard rates apply. Limited to individual, joint, and trust accounts only. Legal entity and public funds accounts are not eligible. Must maintain $5,000 average daily balance during statement period to avoid monthly fee of $14.95. If account is closed prior to 6 months, an Account Closing Fee will apply. See Schedule of Fees for Consumer Accounts.

2-You will receive the bonus interest rate of 4.35% for six months on balances of $25,000 and above. This will return an Annual Percentage Yield (APY) of up to 3.90%, depending on balance tier. The APY is a blended APY based on the 4.35% bonus interest rate for six months and the standard interest rate for the remaining six months. Balances $25,000-$49,999.99 will earn an APY of 3.27%, balances $50,000-$249,999 will earn an APY of 3.65%, balances $250,000 and greater will earn an APY of 3.90%. To earn the rate listed, you must have balances of $25,000 and above. Balances $0.01 to $24,999.99 do not earn this bonus rate. These balance tiers earn standard variable rates as shown below. The bonus interest rate is accrued on the entire daily ending collected account balance (including paid accrued interest). On days when the account balance is under $25,000, the entire account balance will earn the then current standard variable interest rate and APY. The following balance tiers and standard APYs are accurate as of 3/1/24. Under $1,000: 0.00% APY; $1,000-$4,999.99: 0.95% APY; $5,000-$24,999.99: 1.40% APY; $25,000-$49,999.99: 2.10% APY; $50,000-$249,999.99: 2.85% APY; $250,000 and above: 3.35% APY. The account will not earn interest on days when the account does not have a positive balance. Interest rates are determined at the bank’s discretion and may change at any time. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Other restrictions may apply. After the promotional period, the account will earn the standard rates for an Optimal Money Market account. Standard rates may change at any time. Interest earned will be reported to the IRS. Accrued interest will be paid if the entire balance of the closed account is transferred to a new First American Bank account.

Please view disclosure or speak to a banker for complete details.

The routing number for First American Bank is 071922777.

The routing number for Health and Benefits Accounts (HSA, FSA, HRA, QTA) is 067015928.
Visit our branch locations page to find location near you and to see the hours of operation.
Opening your new account is easy. You can open your account online or visit any of our branch locations.
Your account number can be found on your monthly account statement.
Please visit any of our branches closest to you to change the name on your account.

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