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eSpirit Checking

At First American Bank we take your business – and your entrepreneurial spirit – personally. We understand that every business has unique banking needs. That's why we've created the eSpirit Checking Account, which has the flexibility to meet your individual situation.

It's hassle-free, so you don't have to think about complicated fee structures. And it's easy to manage because it's based on the number of monthly transactions you make – not the size of your business or your balance.

Free Services

When you open an eSpirit checking account at First American, you'll receive the following benefits:

  • FREE eStatements
  • FREE debit Mastercard® BusinessCard
  • FREE proposal for Credit Card Processing
  • VISA® Business Bonus Rewards Credit Card1 - No annual fee with special introductory offers
  • $50 discount on the first order of business style checks2
  • $10 discount on the first order of business style deposit tickets2

Easy Options

We’ve designed eSpirit Checking with busy entrepreneurs in mind. Which means it’s simple, straightforward, and hassle-free.

Here’s how it works:

  • You can make up to 250 free transactions per month with no minimum balance or monthly maintenance fee.
  • If you exceed 250 transactions in any month, you can make up to 4003 free transactions as long as you maintain a minimum balance of $10,000.

Transactions include the following:

  • Deposits
  • Item Deposits
  • Remote Deposit Capture
  • Currency Purchased (per bill)
  • ATM Deposits
  • Night Drop Deposits
  • Checks Paid
  • Incoming ACH 
  • Outgoing ACH
  • Coin (per roll)
  • Currency Deposited (per $100)

You decide. At First American, your way is the best way. It's as simple as that.


1Subject to approval. 2New First American Bank customers only. 3The $22.50 monthly maintenance fee is waived for accounts with 251-400 transactions per month if a daily minimum balance of $10,000 is maintained. If the number of transactions exceeds 400 in any given month, an excess transaction fee of $0.50 will be applied to each transaction over 400 in addition to the monthly maintenance fee. Additional fees may apply, please see Schedule of Fees for Business Accounts for more information.

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