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Teach your teen that saving is as important as spending

At First American Bank, we make it easy to put teenagers on a smart financial path. Our Teen Checking offers an introduction to financial freedom for teens, with the security of a joint checking account. Even better, it offers a great opportunity for parents to teach financial lessons that will last a lifetime.

Teen Checking is your child's first taste of money management. With this youth checking account, teens can earn a competitive interest rate on their allowance or checks they receive on their birthday and deposit money from their part-time jobs. With their own checking account, they can check their account balance, make deposits and withdrawals, use a debit card, learn how to budget, make transfers between checking and savings accounts, and access Online and Mobile Banking. These are important financial skills to learn at an early age. At the same time, you will have access to their account and can provide help when needed.

  • Account designed for teens
  • Mastercard® debit card with access to 55,000 surcharge-free partner ATMs*. Find an ATM near you.
  • Access to Online and Mobile Banking
  • No monthly fees or balance requirements
  • No overdraft feeseven if they make a small mistake
  • Earns interest
  • Build your teen's savings by scheduling automatic transfers from your checking account

Bring your teen to your local First American Bank branch in Illinois, Wisconsin or Florida to open a Teen Checking account today!


Account subject to approval. $25 to open account. Available for Primary Owners under age 23. A parent/guardian must be named as a Joint Owner on the account. Upon the Primary Owner's 23rd birthday, the Teen Checking account will automatically be converted to a Personal Checking account and will be subject to the terms and conditions of that account, which includes the imposition of the Paper Statement Fee (if electronic statements have not been elected), Insufficient Funds (NSF) fees, and Continuous Daily Overdraft fees (if applicable), as well as the termination of interest paid to the account. All other Terms and Conditions of the account will remain the same. See our Schedule of Fees for Consumer Accounts. Terms and conditions subject to change at any time. Please view disclosure or speak to a banker for complete details.

*Look for the Allpoint and Presto! logos to ensure your transaction will be surcharge-free.

You can order checks within Online Banking. Log in to Online Banking, select the account you'd like to order checks for and click on 'Reorder Checks'. Or you can visit any of our branch locations to order checks.
Your new debit card will arrive in 7-10 business days.
The routing number for First American Bank is 071922777.

The routing number for Health and Benefits Accounts (HSA, FSA, HRA, QTA) is 067015928.
You may lock or report your debit card lost through Online and Mobile Banking, 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.
Visit our branch locations page to find location near you and to see the hours of operation.

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