Online Banking Direct Login
For your convenience you can now access your account directly from the homepage.
- Use dropdown to select account type
- Enter your Access ID (not password)
- Click "Go" or press ENTER
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Questions?
Click a tab below to find answers to your questions and information you need to better your online experience with First American Bank. For additional questions, comments or concerns click the "Contact Us" tab and complete the form.
Account Acess | Frequently Asked Questions
- How do I sign up for Internet banking?
- What accounts can I view on the website?
- What functions can be performed on the website?
- How current is my account balance?
- What is the cut-off time for transactions to appear on the current business day?
- How do I transfer money on the website?
- Are there receipts for transfers?
- How do I use the Spending Report?
- How do I categorize my transactions?
- How do I export transactions to my personal financial management software?
- How do I sign up for bill pay?
- I have a question about a bill pay transaction. Whom should I contact?
How do I sign up for Internet banking?
Once you have an account with us, you can bank online. To begin the log in process, you will need one of your account numbers and your electronic banking password. If you do not know your electronic banking password, contact your personal banker. For step by step instructions on completing the first time login click here.
What accounts can I view on the website?
You can view all checking accounts, savings accounts, Certificates of Deposit and loans on which you are a signer or owner.
What functions can be performed on the website?
Online banking is convenient for:
- Paying bills
- Viewing account balances, statements and check images
- Searching for transactions or images
- Transferring funds between your accounts
- Setting up scheduled transfers
- Exporting transactions to personal financial management software
- Changing your log in password or email address
- Enrolling in eStatementssm
- Reordering Deluxe checks
How current is my account balance?
Balances are current, reflecting all transactions presented the current business day.
What is the cut-off time for transactions to appear on the current business day?
All online transactions performed prior to 6:00 pm CST will show up on the current business day. Those completed online after 6:00 pm CST will be dated with the following business day.
How do I transfer money on the website?
You have a few options with transferring money online.
- The fastest way is to click the Express Transfer button. Here you can quickly select which account to debit, which account to credit and the amount to transfer.
- You can also schedule a recurring transfer by selecting New Scheduled Transfer from the drop down menu under the Transfers button. Enter the required information and click the Submit button.
Are there receipts for transfers?
Once a transfer has been completed, you will receive a summary of the transaction, date and time completed, plus a confirmation number. You may print this and keep as a receipt for your records.
How do I use the Spending Report?
To use the Spending Report, you must first assign categories to your transactions.
1. From the Account List, click into the account for which you would like to create a Spending Report.
2. From the navigation bar, choose Transactions > All Transactions.
3. Click the Change icon next to the transaction you wish to categorize.
4. From the drop down menu, choose an Expense or Income category.
5. Be sure to click the Save icon to save your changes!
Now you can create your custom Spending Report.
1. Scroll to the top of the page and click the Report button.
2. You will see the updates appear in the pie chart.
NOTE: The pie chart will only include transactions that are displayed on that page.
By default, 25 transactions are initially displayed.
3. To change the number of transactions displayed on the page, choose one of the following:
Search For field: Choose a specific statement cycle.
Transactions per Page field: Choose a different number of transactions to display.
Go to Advanced Search field: Enter a date range of transactions to display.
How do I categorize my transactions?
1. From the Account List, click into the account for which you would like to create a Spending Report.
2. From the navigation bar, choose Transactions > All Transactions.
3. Click the Change icon next to the transaction you wish to categorize.
4. From the drop down menu, choose an Expense or Income category.
5. Be sure to click the Save icon to save your changes!
How do I export transactions to my personal financial management software?
Online banking customers have the ability to export account transactions to financial management software, such as Microsoft Money, Intuit Quicken or Intuit QuickBooks.
To export transactions from the Current Statement or Previous Statement:
1. Click Export Transactions from the drop down menu under the Transactions button.
2. Enter the necessary information.
3. Choose the file export format.
4. Click the Export button.
5. Save the file to your computer.
6. Follow your financial management software’s instructions to import the data into your software application.
To export transactions older than the Previous Statement:
1. Choose All Transactions from the drop down menu under the Transactions button.
2. In the Export column, select the transactions you wish to export or simply click Select All.
3. Scroll to the bottom of the screen and click Export Selected.
4. Choose the file export format.
5. Click the Download Export button.
6. Save the file to your computer.
7. Follow your financial management software's instructions to import the data into your software application.
How do I sign up for bill pay?
For Personal Bill Pay, simply login to your accounts and click the Pay Personal Bills button. There is no enrollment process; you have instant access to bill pay to set up your payees and schedule your payments.
For Small Business Bill Pay, login to your accounts and click the Pay Small Business Bills button. On the CheckFree login page you will see a link to enroll. Simply click the link and follow the prompts to complete your enrollment.
I have a question about a bill pay transaction. Whom should I contact?
CheckFree Customer Service is available seven days a week from 6:00 am to 12:00 am CST. The toll-free number is 866.820.0079.
Bill Pay | Frequently Asked Questions
General Questions
- What is Bill Pay Service?
- How does the Bill Pay Service work?
- How secure is my bill payment and personal information?
- What is the cost for Bill Pay, and how do I pay the charge?
- What if there are insufficient funds in my account when the bills are processed for payment?
- Who do I contact if I have questions about my Bill Pay Service or a Bill Pay transaction?
- How do I cancel my Bill Pay Service?
Payee Questions
- What is a payee?
- Who can I pay using my Bill Pay Service?
- What if a payee I want to make a payment to isn't on the list of payees I have to choose from?
- Do I need to contact the payees I decide to pay with the Bill Pay Service?
- Can I add the same payee to my payee list more than once?
E-Bill Questions
- What is an e-bill?
- How does electronic billing work with CheckFree Electronic Billing and Payment Service?
- Is an e-bill the same as a mailed bill statement or invoice?
- How do I receive e-bills?
- How long does it take to receive e-bills from a payee?
- How do I know when I receive a new e-bill?
- Will I still receive a paper copy of the bill through U.S. mail?
- Can I store or view paid e-bills?
- How do I pay e-bills?
GENERAL QUESTIONS
What is Bill Pay Service?
First American Bank offers bill pay service as a convenience to our customers who are looking for an easy, time-saving way to pay bills. First American’s Bill Pay Service (“Bill Pay”) and First American Small Business Bill Pay (“Business Bill Pay”) allow you to schedule and make payments as well as receive and pay bills online.
- Subscribers can pay anyone, anytime, anywhere in the United States, from mortgage lenders to suppliers, to newspaper carriers. Please note that state and federal tax payments and court-ordered payments may be scheduled through the service; however, such payments are discouraged and must be scheduled at your own risk.
- Subscribers can also set up recurring payments, such as a car payment, rent, etc.
- Single payments can be scheduled up to a year in advance.
How does the Bill Pay Service work?
Easy! Just a few simple steps to get started:
- You must be an authorized signer on a First American Bank checking or money market account.
- Be sure you are registered for First American Bank online banking. If you’re not already registered, just click on www.bankfirstamerican.com to set up your login. If you have any difficulty, contact your personal banker, who will be happy to assist you.
- For Personal Bill Pay, simply login to your accounts and click the Pay Personal Bills button. There is no enrollment process; you have instant access to bill pay to set up your payees and schedule your payments.
- For Small Business Bill Pay, login to your accounts and click the Pay Small Business Bills button. On the CheckFree login page you will see a link to enroll. Simply click the link and follow the prompts to complete your enrollment.
- On the CheckFree website, set up your payees and schedule your payments. That’s it!
Items to note:- When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send you electronic bills (e-bills). You need only add each payee once. All of your payees will then be listed on the Quick Pay page, where you can quickly schedule payments.
- When you make a payment, you specify the date that you want the payee to receive the payment. We recommend that you schedule your payment date four business days before the actual bill due date to allow time for electronic processing or for mailing if a paper check is sent. The service will determine whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.
- After a payment is scheduled, it appears as “Scheduled” in Payment History. After the payment is processed, the status changes to “Processed”. The payee receives your payment on the payment date you specified and credits your account. Sometimes, however, the payee may take a few days to apply the payment to your account.
How secure is my bill payment and personal information?
We use several methods to ensure that your information is secure.
- Access ID and Password: Your Access ID and password are unique identifiers that only you know. As long as you don't share your Access ID and password with anyone, no one can sign in to your accounts except you.
- SSL: Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
- Encryption: We use 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
- Automatic Sign Out: Our online banking system automatically signs you out of a session if you are inactive longer than ten minutes. It is best if you sign out immediately after you are finished transacting online.
- Passive Multi-factor Authentication system involving PC fingerprinting and IP geo-location usage.
What is the cost for Bill Pay, and how do I pay the charge?
Bill Pay Service is free; however, the service will be deactivated on your account if no activity occurs at least once each 90 days.
Considering the cost of stamps, and the time spent writing checks--the savings adds up quickly; the convenience is invaluable!
What if there are insufficient funds in my account when the bills are processed for payment?
If your account doesn’t have the required funds, First American will charge the usual NSF fee of $30 per item returned. In addition, the partner First American has chosen to provide the bill pay service, CheckFree Electronic Bill Payment Service, will charge an additional $20 for added processing required.
If you qualify for First American Bank’s Overdraft Privilege Service, or any other overdraft protection service, First American will pay the returned item, up to $500. You will still be assessed the standard $30 NSF fee, but payment of the item will allow you to avoid any additional charges imposed by the payee.
Who do I contact if I have questions about my Bill Pay Service or a Bill Pay transaction?
CheckFree Customer Service is available seven days a week from 6:00 am to 12:00 am CST. The toll-free number is 866.820.0079.
How do I cancel my bill payment service?
Canceling is not difficult, but there are steps to take to ensure your bills are paid on time once the service is canceled. Go to the My Profile page and click Service Setup at the top. On the My Profile - Service Setup page, click Cancel Your Service. Before you cancel your service, keep in mind the following:
- Scheduled payments, including repeating payments, are not paid once you cancel.
- Payments in process are paid.
- You no longer have access to your payment history and you can no longer send payment inquiries. It’s best to wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.
- Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using Bill Pay after you cancel your service, make your payment to the payee by some other means, such as a check.
- If you decide to use Bill Pay Service again, you will have to re-enroll and set up your payee list.
PAYEE QUESTIONS
What is a payee?
A payee is any company, service, or individual to whom you make payments. Payees can be anyone who bills you, such as your phone company or credit card, or individuals, such as your landlord or newspaper carrier.
Who can I pay using my bill payment service?
You can pay anyone in the United States that you would normally pay by check or automated debit. Payments made to billers outside of the United States or its territories are not eligible. Please note that state and federal tax payments and court-ordered payments may be scheduled through the service; however, such payments are discouraged and must be scheduled at your own risk.
What if a payee I want to make a payment to isn't on the list of payees I have to choose from?
You can make payments to anyone you would normally write a check to. If you do not find the payee in the provided list, you can still add the payee by entering payee information such as your payee account number and the payee's address and phone number. Once you enter the payee information, you can make payments to the payee at any time.
Do I need to contact the payees I decide to pay with the Bill Pay Service?
No, you do not need to contact your payees if you use this service. We send each of your payments with your payee account number and payee information, so the payees are able to credit your account appropriately.
Can I add the same payee to my payee list more than once?
Yes, you can add the same payee to your payee list more than once. You can add multiple payee accounts for the same payee as long as you have different payee account numbers. For example, if your phone company provides your home phone service and your cellular phone service, you can add the company as a payee twice by entering a different account number each time
E-BILL QUESTIONS
What is an e-bill?
An e-bill (electronic bill) is an electronic version of a paper bill that you can view online through CheckFree Electronic Billing and Payment Service.
How does electronic billing work with CheckFree Electronic Billing and Payment Service?
The service lets you make payments and receive and pay bills online through CheckFree Electronic Billing and Payment Service. You can make payments to anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
The only payments you cannot make through your bill payment service are payments to billers outside of the United States or its territories. Please note that state and federal tax payments and court-ordered payments may be scheduled through the service; however, such payments are discouraged and must be scheduled at your own risk.
Electronic billing lets you receive electronic bills (e-bills) online through CheckFree Electronic Billing and Payment Service. Some payees are able to send e-bills to their customers. If you add a payee that is e-bill-capable, you have the opportunity to request e-bills from the payee.
Once your request has been authorized, you'll receive an e-bill from the payee within a month or so, depending on the payee's billing cycle. You can pay the e-bill directly, and you can also continue to make single payments to the payee whenever you need to.
Is an e-bill the same as a mailed bill statement or invoice?
An e-bill is a statement or invoice in an electronic format. E-bills typically contain the same information as your mailed bills.
How do I receive e-bills?
You can receive e-bills from payees that are e-bill-capable. Once you request e-bills from a payee and the request is processed, you should receive a message in Messages stating that your e-bill service has been activated. E-bill service requests are usually processed within two weeks. New e-bills appear on the E-Bills page.
How long does it take to receive e-bills from a payee?
It may take up to two weeks for the payee to process your request for e-bills. Once your request has been accepted, it may take a month or more, depending on the payee's billing cycle, before you begin receiving bills electronically.
How do I know when I receive a new e-bill?
The Unpaid E-bills page lists your new e-bills. A notice also appears on the Welcome page to let you know when new e-bills arrive.
If you are waiting for an e-bill service request to be processed, check Messages periodically for a message stating that your e-bill service has been activated for the payee. When you receive the first e-bill depends on the payee's billing cycle.
Will I still receive a paper copy of the bill through U.S. mail?
It depends on the payee. Some payees stop sending a paper bill and only send an e-bill to your Bill Pay account. Other payees continue to send paper bills through U.S. mail in addition to an e-bill to your Bill Pay account.
Can I store or view paid e-bills?
You can view paid e-bills by going to E-Bills and then clicking Paid E-bills. You can always use your browser's print feature to print the bill if you want to keep long-term records.
You can also view an e-bill for which you have a scheduled or canceled payment. However, you cannot view deleted e-bills.
How do I pay e-bills?
You can pay one or more e-bills from the Unpaid E-bills page. For more information on paying e-bills, go to the help from the E-Bills page. As with all Bill Pay payments, you control the payment amount and payment date.
Browser | Frequently Asked Questions
- What browser requirements must I meet to use Online Banking?
- How do I know if my browser supports 128-bit encryption?
- How do I upgrade my browser to a newer version that supports 128-bit encryption?
What browser requirements must I meet to use Online Banking?
Your browser must support 128-bit encryption to access First American Bank’s Internet Banking service.
How do I know if my browser supports 128-bit encryption?
On the menu bar, click the Help button. In the drop down box that appears, choose About Internet Explorer or About Netscape. The window that pops up will display your browser version and the encryption level supported by your browser. This needs to be 128-bit in order to use First American Bank’s online banking.
How do I upgrade my browser to a newer version that supports 128-bit encryption?
You can upgrade your browser for free on the Internet by downloading the latest browser version from the browser company's website.
Security | Frequently Asked Questions
- How secure are my accounts on the Internet?
- What is PassMark, and how exactly does it work?
- What is 128-bit encryption?
- What is my Access ID?
- What is my password?
- Why am I asked to change my password? Can't I just keep the one I have?
- What if I forget my Access ID?
- What if I forget my password?
- How do I change my Access ID?
- How do I change my password?
- What if my new password is not accepted?
- I am doing the first time log in but it won’t accept my new Access ID. Why?
- Will I be locked out after so many failed attempts to log in?
How secure are my accounts on the Internet?
Our site utilizes 128-bit encryption to secure your confidential account information. You need to use a browser that is current and supports this high level of encryption in order to access First American Bank’s online banking. We also use a Multi-factor Authentication system called PassMark.
What is PassMark, and how exactly does it work?
PassMark is an additional layer of security to protect your information from fraud and identity theft by verifying your identity in two ways. Each time you log in to Internet banking, First American Bank identifies you-- and lets you identify First American Bank-- using a secret image and pass phrase.
- How do you get set up for PassMark? You still use your current password for logging into internet banking. When logging into internet banking you will automatically be prompted to the PassMark enrollment screen; during the PassMark enrollment process, you receive a randomly selected image and are asked to choose your own pass phrase.
- How does PassMark protect you from fraud and identity theft?
- PassMark confirms you’re at the legitimate First American Bank Web site when your secret image and pass phrase appears.
- Your image and pass phrase automatically appears only if you log in from a computer we already recognize as yours.* You can register as many PCs as you like.
- You can access Internet banking from any number of computers you wish, however, if you log in from a different computer we simply ask one of your previously established challenge questions to verify your identity before showing the secret image. There’s no limit to how many people can log in to Internet banking from the same computer—but please remember not to share your user ID, password or challenge questions answers.
- If you are logging in from a computer you have registered before and the image and pass phrase do not match your own, do not enter your password. Try logging in again, or call your local First American Bank.
- You can easily change your PassMark secret image, pass phrase, and challenge questions as often as you wish. After logging in, select OPTIONS, then CHANGE SECURITY DATA.
*How do we know you’re logging in from your own computer? When you first enroll, PassMark uses a cookie to identify your computer. Each time you log in, our software identifies your computer, your IP address, and other unique identifiers. The cookie is secure and does not contain any personal information. Even if you later delete your cookies, if you have Adobe® Flash® Player installed on your computer, we may use Flash shared objects to identify your computer in the event that we can't identify your cookies. By using Flash shared objects as a backup method for recognizing you as a valid user, we ensure that your log in experience is as quick and convenient as possible.
Safety tip: Our financial institution will never ask you to change your private information, and we will never change it for you.
What is 128-bit encryption?
Encryption is used to secure your confidential financial information on our website. When data is sent, it is scrambled so that it cannot be understood by unauthorized people. The data is then unscrambled when it is received by First American Bank.
What is my Access ID?
Initially, this is any one of your account numbers. After completing the first time log in, you will be prompted to change your Access ID.
What is my password?
This is the electronic banking password given to you when you opened your account. After completing the first time log in, you will be prompted to change your password.
Why am I asked to change my password? Can't I just keep the one I have?
Your financial and personal information security is of the highest priority at First American Bank. Changing your password periodically is among the most common best practices security precautions you can take. The system will prompt you to update your password four times a year.
What if I forget my Access ID?
Contact your personal banker. After verifying your identity, your personal banker will tell you your Access ID. Important note: this information cannot be disclosed via email.
What if I forget my password?
Contact your personal banker. After verifying your identity, your personal banker will reset your password using a general term or phrase. Important note: this information cannot be disclosed via email.
You can also retrieve your password by clicking the link on the login page "Did you forget your password?” By clicking this link, your password will be emailed to the email address we have on file for you in our online banking system. The next time you log into your accounts, the system will prompt you to change your password once again to ensure you are the only one who knows that information.
How do I change my Access ID?
Contact your personal banker. After verifying your identity, your personal banker will change your Access ID.
How do I change my password?
- Log into your account
- Select Options
- Select Change Passwords
- Enter your current password
- Enter your new password
- Click the Submit button
What if my new password is not accepted?
Be sure your new password is 6-17 characters in length, including at least one numeric and one alpha character.
I am doing the first time log in but it won’t accept my new Access ID. Why?
If the Access ID you are choosing is already being used by someone else, you will not be able to use that same Access ID. The system will ask you to choose another Access ID.
Will I be locked out after so many failed attempts to log in?
Yes. You are allowed six failed log in attempts before the system locks you out. You will receive a message informing you that you are locked out and to contact First American Bank.
Contact Us
If you have questions regarding transactions specific to your bank account(s), please do not send these inquiries by email. Please call your local First American Bank; branch telephone numbers can be found on the Locations page of our website.
For your convenience, we invite you to complete this form and click the submit button to share general questions, comments or concerns.
Please be aware email is an unsecured method of communication; you should never disclose personal information, such as Social Security numbers, account numbers, passwords, personal identification numbers (PINs) or financial information in an email.
For a Lost or Stolen debit card, click here.
For bill pay inquiries, call CheckFree Customer Service at 866.820.0079; available seven days a week from 6:00 am to 12:00 am CST
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