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Optimal Checking

For a limited time, receive up to $300 in cash rewards1 when you open an Optimal Checking account!

Signing up is as easy as 1-2-3:

    1. Visit any of our 50 branch locations by April 15, 2017
    2. Open an Optimal Checking account and set up direct deposit
    3. Receive $100 for every $10,000 in your account (up to $300)

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! ATMs2
  • Free mobile banking and mobile deposit3
  • Free online banking and bill payments
  • Free eStatements
  • Free front check images in statement
  • Free checks4
  • 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

Get started saving today!

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Florida Residents

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


Offer valid March 1 - April 15, 2017. One per household. New checking customers only (no First American Bank checking account within the last 6 months). Account opening subject to approval. (1) To qualify, 1) must have at least $500 in direct deposits from a paycheck, pension, or government benefit during the second, third and fourth statement cycles (each being a “Rewards Period”); and 2) must also maintain an average daily balance of at least $10,000 during each Rewards Period to receive Rewards for that period. Beginning with your second statement cycle, Rewards earned will be credited to your account on the statement date for each Rewards Period. Rewards will be paid as follows: Average Daily Balance of $10,000 - $19,999.99, Rewards=$33.34; Average Daily Balance of $20,000 - $29,999.99, Rewards=$66.67; and Average Daily Balance of $30,000+, Rewards=$100.00. Individual, joint and living trust accounts only. Minimum deposit to open=$100. As of 3/1/17, the Annual Percentage Yield on balances $0.01 to <$1,000 is 0.00%, $1,000 to <$5,000 is 0.03%, $5,000 to <$25,000 is 0.05%, $25,000 to <$50,000 is 0.07%, $50,000 to <$250,000 is 0.08% and >= $250,000 is 0.12%. $2,500 minimum daily balance to avoid $14.95 monthly fee. Fees may reduce earnings. Rates, terms and conditions may change at any time. See account agreement for full account details. Reward amounts will be reported to the IRS. Excludes First American Bank employees and members of their household. (2) 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. (3) Mobile Deposit is subject to eligibility requirements. Deposit limits and other restrictions apply. Visit firstambank.com/mobilebanking for complete details. (4) Specialty Blue style, one box per order, customer pays tax and delivery. 

Optimal Checking, Loaded With Benefits

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