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Free Checking

Account description The Free Checking account is designed for our customers who wish to have a streamlined checking account, with no monthly service fee and no minimum balance requirement.
Account benefits  


In addition to no monthly service fee or balance requirement,
  • Free Internet banking
  • Free 24-hour telephone banking
Interest     No interest is paid on the Free Checking account.
Monthly service
    No monthly service charge, the account is free.
First American
ATM/Debit Card
  • $1.50 monthly charge for the ATM/Debit card.
  • Use it instead of cash or checks at locations worldwide.
  • Free unlimited debit card transactions.
  • Free unlimited ATM transactions at First American Bank or Privileged Status Network ATM machines. 

Protection against
insufficient funds
    Overdraft protection is available for Free Checking customers with Overdraft Privilegesm service. Fees will apply.
More benefits  
  • Images of paid checks are available online at
  • Detailed monthly statement.
  • Customer service is provided by your local bank - no remote call centers, no guessing about whom to contact with your questions.
  • May qualify for membership in our First American Experiences group, a special banking relationship for customers in the prime of their lives. Travel, activities, special offers, and more.
Bank where, when,
and how you like
  • Secure Internet banking
  • 24-hour telephone banking at 1-888-573-5463.
  • Bill Pay service, first 90 days free. Pay bills efficiently, quickly at your convenience.
  • Several First American Bank locations statewide prepared to serve your banking and financial needs.