Optimal Checking


This high interest checking account is automatically loaded with features when you sign up.  It's the checking account for those who deserve the best in financial freedom.

Account Features

  • Free First American Bank MasterCard® debit card
  • Free mobile and online banking
  • Free online bill payments
  • Free eStatements
  • Free front check images in statement
  • Free checks
  • Unlimited check writing
  • One overdraft fee reversal per year
  • No direct deposit or transaction requirement
  • 4 Free non-First American ATM withdrawals per statement cycle with direct deposit
  • $100 minimum opening deposit ($2,500 minimum daily balance to avoid monthly fee)
  • Tiered premium interest rate account; compounded daily and credited monthly
  • Overdraft protection options available

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MasterCard® MarketPlace™

Enjoy discounts at thousands of stores just by using your MasterCard® debit card.  Register online to receive discounts when you shop online or print out coupons for use in retail stores.  Go to marketplace.mastercard.com for more information.

Optimal Checking

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