PERSONAL BANKING

Checking Accounts

Free Checking Account

First American Bank's Free Checking Account is our basic checking account that is suited for individuals looking for a no fee, simple checking account. Statements which include images of checks written are mailed or sent via e-Statement each month.

Features:

FREE Internet Banking with Bill Pay
FREE access to FinanceWorks personal financial management tool
Unlimited check writing capabilities
VISA Debit Card
24/7 Automated Phone Access Line
$50 minimum to open
No minimum monthly balance requirement
No monthly fee
$300 Bounce Protection limit

Premium Plus Account

First American Bank's Premium Plus Account is catered toward the individual that wants to earn a higher rate of interest on their account and is able to maintain a higher balance in order to earn that interest. There is no monthly service fee unless both of the following are true in which case there is a $12.00 monthly service fee: the minimum balance in your account falls below $2,500 OR the average collected balance in your account falls below $5,000. Statements which include images of checks written are mailed or sent via e-Statement each month.

Features:

FREE Internet Banking with Bill Pay
FREE access to FinanceWorks personal financial management tool
Unlimited check writing capabilities
ATM/VISA Debit Card
24/7 Automated Phone Access Line
$50 minimum to open
$1,500 Bounce Protection limit
Interest paid at market rate

Investment Checking Account

First American Bank's Investment Checking Account is geared towards the individual that wishes to earn a high level of interest on their checking account. There are no monthly service fees unless the minimum balance falls below $10,000.00 during the monthly statement cycle in which case the service fee is $12.00. The interest rate is tiered based on the monthly balance in the account. Rate tiers begin at the $10,000, $50,000, $100,000 and $150,000 balance levels. The interest rate on the Investment Checking Account changes at the beginning of each month and is based on percentages of the 3-Month Treasury Bill rate.(1) Statements which include images of checks written are mailed or sent via e-Statement each month.

Features:

FREE Internet Banking with Bill Pay
FREE access to FinanceWorks personal financial management tool
FREE ATM withdrawals ANYWHERE in the United States
FREE Incoming and Outgoing domestic wire transfers
Unlimited check writing capabilities
VISA Debit Card
24/7 Automated Phone Access Line
$50 minimum to open
Interest paid at market rate

FAB Advantage Checking Account

Offered only to employees of businesses who maintain an account with First American Bank, the FAB Advantage Account pays a high level of interest with many additional features. There are no monthly service fees. Statements which include images of checks written are mailed or sent via e-Statement each month.

Features:

$50 minimum balance to open
No monthly service charge
High Yield interest paid monthly
Up to $10 of non-First American Bank ATM fee reversals per month (3)
FREE Internet Banking with Bill Pay
FREE access to FinanceWorks personal financial management tool
Unlimited check writing capabilities
VISA Debit Card
24/7 Automated Phone Access Line
$300 Bounce Protection limit
FREE first order of checks

FAB Rewards Checking Account

The FAB Rewards Checking Account pays a high level of interest on balances up to $25,000 with many additional features. There are no monthly service fees. Statements which include images of checks written are securely available each month via the e-Statement function within online banking .

Features:

$50 minimum balance to open
High Yield interest paid monthly if the following criteria are met:
(a) conduct 10 signature debit card transactions during the statement cycle, and
(b) receive statement only via e-statement within online banking(2)
Up to $10 of non-First American Bank ATM fee reversals per month (3)
No monthly maintenance fee
FREE Internet Banking
FREE Bill Pay
FREE FinanceWorks personal financial management tool
Unlimited check writing capabilities
VISA Debit Card with no annual fee
24/7 Automated Phone Access Line
$500 Bounce Protection limit
Limit one per person, please

(1) Effective 02/25/09, First American will implement a minimum earnings rate of .750% on all tiers of its Investment Checking Accounts which is subject to change without notice. Effective 04/01/09, First American will implement a maximum earnings rate of 4.000% on all tiers of its Investment Checking Accounts which is subject to change without notice.

(2) Higher yield paid on balances between one penny and $25,000 and .15% APY paid on all amounts above $25,000 each cycle the minimum account requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning .15% APY. Rates guaranteed through 12/31/11 but are subject to change thereafter.

(3) First American does not charge a fee to its customers to use another company's Automated Teller Machine (ATM). First American will automatically reverse up to $10.00 in fees charged by non-First American Bank ATM owners each statement cycle.