Personal Checking Accounts

All banking at First American Bank is personal! We designed our accounts expressly for Oklahoma families and individuals.

To begin the process, fill out and print the new account application and bring it to one of our friendly bankers at any First American Banking Center. We have an assortment of personal accounts to meet your many wants and needs.

EDGE Account
Emerge Checking
Prosper Checking
Venture Checking

Click the image below to compare accounts at a glance.
Download our full personal checking brochure here.

Convenience with every account:

Mobile Banking               
Telephone Banking        
Online Banking        
Combined Statements    
Notary Services        
Bank On Call        
Online Bill Pay        
Automatic Transfers
ATM/Check Cards        
eStatements with Check Images

Checking Accounts

EDGE Account

Age Requirement: 13-18
Opening Balance: $25
Monthly Service Charge: $0
Balance To Avoid Service Charges††: $0
Fee For Monthly Paper Statement With Check Images: $3
Non-FAB ATM Transactions: $1

Emerge Checking

Age Requirement: 18+
Opening Balance: $50
Monthly Service Charge: $0
Balance To Avoid Service Charges††: $0
Fee For Monthly Paper Statement With Check Images: $3
Non-FAB ATM Transactions: $1
Loan Rate Discount (0.250% with Auto-Debit From FAB)

Prosper Checking

Age Requirement: 18+
Opening Balance: $50
Monthly Service Charge: $10
Balance To Avoid Service Charges††: $1,000
Fee For Monthly Paper Statement With Check Images: $3
Non-FAB ATM Transactions: $0
Refund Non-FAB ATM Surcharges: Up to $10*
Loan Rate Discount (0.250% with Auto-Debit From FAB)
Free Cashier's Checks and Money Orders
First Year's Rent 50% Off On 3x5 Safe Deposit Box
Interest Bearing Account (Tiered Rates)
First Free Box of FAB Custom Checks

Venture Checking

Age Requirement: 55+
Opening Balance: $50
Monthly Service Charge: $7†
Balance To Avoid Service Charges††: $500
Fee For Monthly Paper Statement With Check Images: $0
Non-FAB ATM Transactions: $0
Refund Non-FAB ATM Surcharges: Up to $10*
Loan Rate Discount (0.250% with Auto-Debit From FAB)
Free Cashier's Checks and Money Orders
First Year's Rent 50% Off On 3x5 Safe Deposit Box
Interest Bearing Account (Tiered Rates)
First Free Box of FAB Custom Checks

For a full disclosure of all account fees and minimum balance requirements, please refer to the Account Disclosure available from our Banking Service Representatives.

†Waived if account has direct deposit. Fee will be waived for 60 days from account opening to allow time for direct deposit to post to account.
††The balance to avoid service charges is based on the average daily balance during a statement cycle.
* Refund available only if account has a positive balance. Refund is per statement cycle.