APY
0.00%
As of Nov 8, 2026. Rates are variable.
First American Bank · Checking account
First American Optimal Checking Account
−$179 a year for an everyday customer. $14.95 a month. $100 to open.
- A year, everyday customer
- −$179
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · firstambank.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · firstambank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · firstambank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#899of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Check writing
- Debit card
- Free checks
- Interest bearing
- Overdraft line of credit
- Overdraft protection transfer
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0.01firstambank.com, checked Nov 8, 2026
- To earn the APY
- You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY.firstambank.com, checked Nov 8, 2026
- Interest compounds
- dailyfirstambank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $14.95 a monthfirstambank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Minimum Balance to Waive Monthly Fee $2,500firstambank.com, checked Nov 8, 2026
- Minimum to open
- $100firstambank.com, checked Nov 8, 2026
- Overdraft fee
- $39.50firstambank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $39.50firstambank.com, checked Nov 8, 2026
- Overdraft transfer fee
- $10firstambank.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 6firstambank.com, checked Nov 8, 2026
- ATM network
- Allpoint and Presto!firstambank.com, checked Nov 8, 2026
- ATMs in the network
- 55,000firstambank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $3firstambank.com, checked Nov 8, 2026
Who can open it
- Where
- Anywhere in the USfirstambank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees