First American BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

First American Optimal Checking Account

0.00%APY · as of Oct 10, 2026

A year for an everyday customer: −$179 fees and interest, $2,000 kept
Monthly fee: $14.95 a month
To open: $100 to open
On our list: #831 of 986 checking accounts, by a year’s value for an everyday customer

Rates by balance

Balance	APY
Any balance	0.00%
$0.01 and up	0.00%

Balance needed for the APY: $2,500Source · checked Oct 10, 2026
To earn the APY: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY.Source · checked Oct 10, 2026
Interest compounds: dailySource · checked Oct 10, 2026

Monthly fee: $14.95 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: $2,500Source · checked Oct 10, 2026
Minimum to open: $100Source · checked Oct 10, 2026
Overdraft fee: $39.50Source · checked Oct 10, 2026
Returned item (NSF) fee: $39.50Source · checked Oct 10, 2026
Overdraft transfer fee: $10Source · checked Oct 10, 2026
Most overdraft fees in a day: 6Source · checked Oct 10, 2026
ATM network: Access to over 55,000 surcharge-free partner ATMs*.Source · checked Oct 10, 2026
ATMs in the network: 55,000Source · checked Oct 10, 2026
Out-of-network ATM fee: $3Source · checked Oct 10, 2026

Card lockDebit cardFree checksInterest bearingOnline openingOverdraft line of creditOverdraft protection transfer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

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