Checking Accounts
Freedom of Choice

Lower fees, higher interest earnings, or return to a sound financial footing, we have a checking account for you.

Explore Solutions

Reward yourself with a card that cuts your costs or earns you cash

These days, people expect their credit cards to provide more than maximum purchasing power. At First American Bank, we offer an extensive selection of Visa® and American Express® cards that give you more financial flexibility, including cash back and other rewards.

Rewards To Use The Way You Want
Product Benefits
Visa® Real Rewards Card

Apply Now
Learn More
  • Earn 1.5 points monthly for every net $1 you spend on eligible net purchases (equal to 1.5% cash back).1
  • Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.2
Premier Rewards American Express® Card

Apply Now
Learn More
  • Earn up to 4x on eligible net purchases, 4x on restaurant purchases, 3x on airline purchases, 2x on gas station purchases and 1x on all other eligible net purchases.3
  • $100 cash back after you spend $1,000 in the first 3 months.
  • $0 introductory Annual Fee for the first year. After that, $99 Annual Fee.
Flexible Cash Rewards
Product Benefits
Cash Rewards American Express® Card

Apply Now
Learn More
  • Earn up to 3% cash back4 at gas stations.5, 6
  • Also earn up to 2% cash back at supermarkets and 1% on all other eligible net purchases.4
  • Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.2
Pay Down Balances
Product Benefits
Visa® Platinum Card

Apply Now
Learn More
  • Extended introductory offer.
  • Save on interest and pay down your other credit card balances faster.
Build Your Credit
Product Benefits
Secured Visa® Card

Apply Now
Learn More
  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • $35 Annual Fee.
  • Remember, late payments and going over the credit limit may damage your credit history.
Visa® College Real Rewards Card

Apply Now
Learn More
  • Excellent opportunity for someone starting a credit history.
  • Earn 1.5 points monthly for every net $1 you spend on eligible net purchases (equal to 1.5% cash back).
  • Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.
Disclosures

1Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

2First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

3Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

4Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

5Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

Frequently Asked Questions

Yes, First American Bank debit cards may be used internationally. We ask that you notify the bank before your travel, this allows us to appropriately status the card.  Additionally, please review our Schedule of Fees for Consumer Accounts.
The chip contains your card number, name, and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.
Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were able to intercept one of your chip transactions they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.
The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

View all FAQs