Personal Banking

Overdraft Protection

We have different types of overdraft protection to help avoid and reduce overdraft fees. We have options such as a line-of-credit that you may apply for or an automatic transfer service from another account.

The following checking accounts are eligible:

Opt-In/Opt-Out Methods for Overdraft Protection and Regulation E:

In person:

Your local banking center

By mail:

First American Bank, PO Box AA, Artesia, NM 88211, ATTN: ODP Coordinator

By phone:

800-289-6140

Electronically:

Through online banking sign-in

Account Management Tools

Our full line of convenient eBanking services provides options to help you avoid overdrafts and better manage your First American Bank accounts.

Online Banking

With online banking you can stay on top of your finances with convenient access to your account at no charge to you.

  • Check balances, transactions and view spending
  • Transfer funds between First American Bank accounts
  • Verify checks and deposits

Money Manager

You can control all of your finances with Money Manager. It's an enhancement, at no charge, to help you better understand and manage your finances.

  • All of your financial information in one place - checking, savings, loans and credit cards
  • Categorizes transactions so you can control spending
  • Set email alerts to get timely account updates

Mobile Banking

This is a fast and a convenient way to handle your accounts. Mobile Banking is available at no charge to personal online banking customers via apps for iPhone®, iPad®, Android® phone, and Android® tablet.

  • Check account balances instantly
  • Check posted and pending transactions
  • Pay recurring bills

Online Banking Text Alerts

This is a great way to stay-on-top of your account activity in real time. You can sign up, at no charge, for online banking text alerts in online banking.

  • Get low or high balance alert
  • Receive large withdrawal or deposit alert
  • Text commands such as last five transactions, transfer funds, and help

FIRST Line Banking

For your convenience you can access First Line Banking at any time from any telephone, simply call 888-746-8300.

  • Check account balances
  • Verify cleared checks and deposits
  • Transfer funds between First American Bank accounts

Account Management Tips

In addition to the tools that we provide to help you manage your account, there are also some best practices to help you avoid overdrawing your account:

  • Keep your check register up-to-date
  • Record ATM withdrawals and fees and debit card purchases
  • Record automatic bill payments and recurring ACH debits
  • Review your account statement each month
  • Set up a savings plan
  • Utilize direct deposit

For more information on First American Bank's Account Management Tips Contact us.

For helpful information about managing your account, visit the following consumer information sites.

FDIC Money Smart - A Financial Education Program

A comprehensive financial education curriculum designed to help individuals enhance their financial skills and create positive banking relationships for more information.

FDIC Consumer News Overdraft Programs

Information for consumers on Overdraft Programs: Consider Your Lower Cost Alternatives learn more.

Consumer Financial Protection Bureau

For insight on overdraft fees and how to avoid them read more.

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