Optimal Checking
A high-interest account that's loaded with extra features
Check balances, transfer funds and generally manage your money 24/7 with Online and Mobile Banking.
Explore SolutionsYour money grows faster as your balance gets bigger
First American Bank's Optimal Checking combines the best features of a checking and savings account. Money management is simple with free access to Online and Mobile Banking, while our tiered interest rate structure pays a premium return on your balance.
- Tiered interest rates pay higher returns on larger balances
- Free Mastercard® debit card
- Access to 55,000 surcharge-free partner ATMs.1 Find an ATM near you.
- Free Online and Mobile Banking
- Free eStatements
- Free check images online
- Unlimited check writing and free checks2
- One overdraft fee reversal per year3
- Overdraft protection options available
First American Bank is a full-service bank with branches in Illinois, Wisconsin and Florida.
Disclosures
1Look for the Allpoint and Presto! logos to ensure your transaction will be surcharge-free.
2Specialty Blue style, one box per order, customer pays tax and delivery.
3Customer must notify the bank within 30 days of overdraft. No guarantee that overdraft item will be honored or paid.
Please view disclosure or speak to a banker for complete details.
The routing number for Health and Benefits Accounts (HSA, FSA, HRA, QTA) is 067015928.
