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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
  • Access to over 55,000 surcharge-free Allpoint and Presto! ATMs1
  • 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
  • $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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Florida Residents

To open an account, visit our Coral Gables branch or call (305) 500-9501.

1-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. The Allpoint ATM may display a surcharge-fee screen. Accept the surcharge and proceed with your withdrawal. You will not be charged the surcharge-fee.

Optimal Checking, Loaded With Benefits

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