Digital Banking
Faster banking at your fingertips

Check balances, transfer funds and generally manage your money 24/7 with Online and Mobile Banking.

Explore Solutions

Choose the account that offers what you value most

Whether your goal is lower fees, higher interest earnings, or just a return to a sound financial footing, First American Bank has a checking account for any lifestyle. And all of our options offer the convenience of Online and Mobile Banking and other free money management tools.

All of our checking accounts come with the following free features:

Checking Account Options


Minimum to Open Monthly Fee Minimum Balance to Waive Monthly Fee Earns Interest Why choose this option?
Advantage Checking
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$100 $25 $25,000 Yes (tiered) Become part of the Relationship Advantage Program and get rewarded with extra benefits
Everyday Rewards Checking
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$100 $4.95 $0 Yes (tiered with Rewards) Earn rewards for regular account activity
Optimal Checking
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$100 $14.95 $2,500 Yes Earn a tiered rate of interest and receive free checks
Free Checking
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$100 $0 $0 No No monthly service fee and no minimum balance
Personal Checking
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$100 $3.95 $0 No No minimum balance and receive a paper statement
Fresh Start Checking
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$50 $9.95 Does not apply No Get a fresh start with a checking account
Student Checking
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$50 $0 $0 No High School or College Students learn how to manage your finances
Product Benefits
Advantage Checking
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  • $100 Minimum to open
  • $25 Monthly fee
  • Become part of the Relationship Advantage Program and get rewarded with extra benefits
Everyday Rewards Checking
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  • $100 Minimum to open
  • $4.95 Monthly fee
  • Earn rewards for regular account activity
Optimal Checking
Learn More
  • $100 Minimum to open
  • $14.95 Monthly fee
  • Earn a tiered rate of interest and receive free checks
Free Checking
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  • $100 Minimum to open
  • No monthly service fee
  • No minimum balance
Personal Checking
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  • $100 Minimum to open
  • $3.95 Monthly fee
  • No minimum balance
  • Receive a paper statement
Fresh Start Checking
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  • $50 Minimum to open
  • $9.95 Monthly fee
  • Get a fresh start with a checking account
Student Checking
Learn More
  • $50 Minimum to open
  • No monthly service fee
  • No minimum balance
  • High School or College Students learn how to manage your finances
Advantage Checking
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Minimum to Open
$100

Monthly Fee
$25

Minimum Balance to Waive Monthly Fee
$25,000

Earns Interest
Yes (tiered)

Why choose this option?
Become part of the Relationship Advantage Program and get rewarded with extra benefits

Everyday Rewards Checking
Learn More

Minimum to Open
$100

Monthly Fee
$4.95

Minimum Balance to Waive Monthly Fee
$0

Earns Interest
Yes (tiered with Rewards)

Why choose this option?
Earn rewards for regular account activity

Optimal Checking
Learn More

Minimum to Open
$100

Monthly Fee
$14.95

Minimum Balance to Waive Monthly Fee
$2,500

Earns Interest
Yes

Why choose this option?
Earn a tiered rate of interest and receive free checks

Free Checking
Learn More

Minimum to Open
$100

Monthly Fee
$0

Minimum Balance to Waive Monthly Fee
$0

Earns Interest
No

Why choose this option?
No monthly service fee and no minimum balance

Personal Checking
Learn More

Minimum to Open
$100

Monthly Fee
$3.95

Minimum Balance to Waive Monthly Fee
$0

Earns Interest
No

Why choose this option?
No minimum balance and receive a paper statement

Fresh Start Checking
Learn More

Minimum to Open
$50

Monthly Fee
$9.95

Minimum Balance to Waive Monthly Fee
Does not apply

Earns Interest
No

Why choose this option?
Get a fresh start with a checking account

Student Checking
Learn More

Minimum to Open
$50

Monthly Fee
$0

Minimum Balance to Waive Monthly Fee
$0

Earns Interest
No

Why choose this option?
High School or College Students learn how to manage your finances

Disclosures

*Available to all Mastercard® debit card users with the exception of Health Savings Account customers. Look for the Allpoint and Presto! logos to ensure your transaction will be surcharge-free.

Frequently Asked Questions

The routing number for First American Bank is 071922777.
Your new debit card will arrive in 7-10 business days after your new account is funded.
You can order checks within Online Banking. Log in to Online Banking and from the 'Account Summary' page, click on 'Order Checks' next to the account you'd like to order checks for. Or you can visit any of our branch locations to order checks.
If you inadvertently overdraw your checking account, First American Bank offers several easy-to-access, low-cost ways to protect your checking account against overdrafts. Visit Overdraft Protection page for more information.
Please call us at (847) 952-3700 or stop into a branch. We will need to verify your identity so that we can provide you the correct information.

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