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Optimal Checking

This high interest checking account is automatically loaded with features when you sign up. It's the checking account for those who deserve the best in financial freedom.

Account Features

  • Free First American Bank Mastercard® debit card
  • Access to 55,000 surcharge-free Allpoint and Presto! ATMs1
  • Free mobile and mobile deposit2
  • Free online banking and bill pay
  • Free eStatements
  • Free front check images in statement
  • Free checks3
  • Unlimited check writing
  • One overdraft fee reversal per year
  • No direct deposit or transaction requirement
  • $100 minimum opening deposit ($2,500 minimum daily balance to avoid monthly fee)
  • Tiered premium interest rate account; compounded daily and credited monthly
  • Overdraft protection options available

Get started saving today! To open an Optimal Checking account, visit your local branch or call 847-952-3700.

Apply Now    Optimal Checking Disclosure


(1) Available to all Mastercard® debit card users with the exception of Health Savings Account customers. Look for the Allpoint and Presto! logos to ensure your transaction will be surcharge-free. (2) Mobile Deposit is subject to eligibility requirements. Deposit limits and other restrictions apply. Visit for complete details. (3) Specialty Blue style, one box per order, customer pays tax and delivery. See Schedule of Fees for Consumer Accounts for other account fees that may apply.


Optimal Checking, Loaded With Benefits

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