The following services are available on all Personal Checking Accounts:
  • Free Internet Banking Service
  • Free Bill Pay*
  • Free ATM or Debit Card**
  • Free Email Statements

*Free Bill Pay with Debit Card and Email Statements or Debit Card and Direct Deposit. Otherwise a monthly fee of $4.25 will be assessed.

**Debit Card available with approved credit.


Personal Checking Accounts:

We apologize for the inconvenience, but our Personal Checking products are currently under new development.



Savings Accounts

1st American Savings

  • $200.00 minimum deposit to open
  • Interest paid quarterly
  • Six withdrawals per quarterly statement cycle
  • $1.00 fee each withdrawal over six
  • $3.95 service fee if quarterly average balance falls below $100.00

First Investment Money Market

  • $2,500.00 minimum deposit to open
  • Interest paid monthly
  • Six debits per month
  • $7.50 service fee if average balance falls below $2,500.00

Individual Retirement Account

  • Roth and Traditional IRAs are available to help provide for your retirement.

Traditional IRA

  • Contributions may be tax deductible
  • May be insured up to $250,000.00
  • If you are over 50, you may make catch-up contributions
  • Penalty for early withdrawal

Roth IRA

  • Contributions are not tax deductible
  • Certain income limits are required to qualify
  • Earnings grow tax free
  • Penalty for early withdrawal

Automatic Savings

  • First American will transfer the amount you authorize from your First American checking account into your savings account every month automatically.

Christmas Club

  • Deposit as often as you like – no minimum required
  • Receive a check plus interest in November of each year
  • $5.00 fee for closing the account before club year has ended



  • E asy- simplify your account management
  • S ecure-User ID and Password protected
  • T raditional delivery is obsolete and slow
  • A rchived statements available for 3 months
  • T imely next day delivery
  • E fficient organization for downloading
  • M ail fraud isn’t an issue with estatements
  • E njoy all the benefits of Internet Banking & Bill Pay
  • N o Charge- Email Statements are delivered FREE
  • T ry it- We know you’ll be pleased!

    Contact your Client Service Rep at First American today.


    Services & Fees

    Exchange fees:

    Cashier Checks $10.00

    Official Checks

    Customer $ 5.00

    Check Cashing

    Non-Customer $ 10.00

    Stop Payment $35.00

    Non-Sufficient Funds $35.00

    Record Research

    $15.00 per hour plus

    $1.00 per item copied

    Photo Copies $ .30 each

    Wire Transfers

    Incoming $15.00

    Outgoing $15.00

    International $60.00

    Safe Deposit Box – Annual Rent

    Minimum $10.00 – up

    Dormant Account Charge $20.00 annually


    Outgoing $7.50

    Incoming $.50 per page

    Visa Check Card no annual fee or maintenance fee

    ATM Card No annual fee. Fees may apply for use at foreign machines (not owned by FANB)

    First American Visa & Mastercard Credit Cards

    No annual fee

    Competitive Rates