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Optimal Money Market

Open an Optimal Money Market account with funds currently not on deposit at First American Bank and you'll earn 2.30% APY* until December 31, 2019.

Our Optimal Money Market account from First American Bank is a premier, liquid, interest bearing account with lots of extras. Whether you're ready to begin that addition to your home, take a special trip, or are just looking for the smartest return on your money, you'll pump up your earning power with our Optimal Money Market account.

Account Features

  • $15,000 minimum opening deposit ($5,000 minimum balance to avoid monthly fee)
  • Tiered premium interest rate account, compounded daily and credited monthly
  • Make up to 6 transfers or withdrawals per statement cycle; unlimited in person withdrawals
  • Free mobile and online banking
  • Free eStatements
  • Free Bank-by-Phone
  • Access to 55,000 surcharge-free Allpoint and Presto! ATMs1

Apply Now  Optimal Return MM Disclosure


Limited to new Optimal Money Market accounts opened at any First American Bank location between 11/1/18-12/31/18 with a minimum $15,000 deposit. Opening deposit restricted to funds not currently on deposit at First American Bank. Limited to individual, joint, and trust accounts only. Legal entity and public funds accounts are not eligible. Must maintain $5,000 average daily balance during statement period to avoid monthly fee of $14.95. If account is closed prior to 6 months, an Account Closing Fee will apply. See Schedule of Fees for Consumer Accounts. (1)The promotional Annual Percentage Yield (APY) of 2.30%APY is guaranteed through 12/31/19 and may be reduced by fees incurred, if any. After the promotional period, the account will earn the standard rates for an Optimal Money Market account. Standard rates may change at any time.

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