On our website's Home page, click on "Sign up". Once you click on this you will be asked to provide some personal information.  This includes your name and account number, last four digits of your social security number, mother's maiden name, email address and date of birth. You will be asked to select a user id and then a temporary password will be emailed to you.

In order to enroll you will be required to have an email address.

It is possible that the information you are entering does not match our records.  You can contact our Customer Service Department at (847) 952-3700 and we will assist you with the enrollment process.

Yes, if you have one or two business accounts you may be set up for Online Banking. If you are not the business owner or an Authorized Signer on a business account, you'll need to be added to our records as an Authorized Person. For more information about Ca$hTrac, click here.

To log in, access our site at www.firstambank.com. You will first be asked for your Login Id and on the second screen you can verify your image and phrase and then enter your password.

If you have been in the site previously, you were prompted to answer challenge questions.  After you enter your login id you can click the "forgot password" link.  You will be asked to answer one of you challenge questions.  Once you answer the question you will receive a message that states your password has been emailed to you.  If you are still unable to login, call our Customer Service Department at 847-952-3700, and we will assist you.

Our website, and our Online Banking Service, may be unavailable at times during necessary system maintenance. If you try to access our system during one of those times, your browser may store the location of alert messages in "cache" and incorrectly use them the next time you try to access our system.  To bypass this, you will need to refresh the page. Try pressing the shift-key while choosing "reload" from your browser's toolbar. It is also possible to refresh the page by pressing CTRL-R (in Netscape) or the F5 key (in Internet Explorer).

If the problem persists, you may need to delete your Temporary Internet Files. From your browser, you will look for "Internet Options". Depending on the version and browser you have, this may be in "View" or "Tools". Once in "Internet Options", you will see an option for "Temporary Internet Files", and a button to delete Temporary Internet Files. Click "OK". You may need to close and reopen your browser or even reboot, but you should then have access to the web site.

If you are having problems with the web site, we'll be happy to assist you. You can call our Customer Service Department at (847) 952-3700 anytime between 8:30 a.m. - 5:00 p.m. Monday through Friday, and between 8:30 a.m. - 12:00 p.m. on Saturday. To help troubleshoot your problem we will need the following information from you:

• The date and time when the problem last occurred?
• Were you accessing our system from your Home or your place of business?
• The name and version of your Web Browser
  
  To determine what version of the browser you are using, click on "Help" on the standard Tool Bar. At the bottom of the drop down list will see "About Internet Explorer" or a similar phrase. Click that link and the version of your browser will appear. Our site works best with the more recent versions of both Netscape (4.7 and above) and Internet Explorer (7.0 and above). This page will also tell you what encryption level, also called cipher-strength you are running. Our site works best with 128-bit encryption
  
  Who do you use as an Internet Service Provider?  Have you enabled your browser for SSL encryption using at least 128 bit encryption? What is the exact error message or problem?

To download your account history information, you will go to the "export history" tab in online banking and then select the date range you wish to export. You will see several options and once you make the appropriate selection you can click on "submit:

• Export to Microsoft Money (OFC Format)
• Export via Active Statement to Microsoft Money (OFX Format)
• Export via WebConnect to Quicken
• Export via WebConnect to Quickbooks
• Export to Spreadsheet (Comma Delimited Text Format - 2 digit years
• Export to Spreadsheet (Comma Delimited Text Format - 2 digit years

When making a transfer to a loan, our Loan Operations department needs a day to process your payment. The credit will post the next business day with an effective date as the date of your transfer.

When completing a transfer request, we'll ask you to confirm your transfer amount. When you do so, we provide you with a confirmation number. You should print this out so you have a record of it. If the transfer does not go through, it is most likely due to one of the following:

• There are not enough funds in the account.
• The transfer request may exceed the transaction limits can be made, such as a Money Market account.
• If you're transferring from a Home Equity Line of Credit, the minimum transfer amount is $1.00.
• You may be attempting to transfer from a Check Credit account, which is not allowed.
• If you are paying down a loan, the transfer request must be less than the current outstanding balance

Images of checks processed are created as Portable Document Files, or PDFs. To open these files you will need the current version of Adobe® Acrobat Reader®. You will also need to allocate enough memory for the Printing function and the Display function to operate simultaneously. Try closing any other applications that are still running but not being used. This will help your computer allocate more memory to your printing task. If you are still unable to print your check image, you may need to purchase more memory.

Check images are only available for a few minutes after you have pulled up your account transaction history. If this occurs, just pull up your account history again and click on "view check" again and your check image will be available.

If you are still experiencing a problem viewing your check images, please send us an e-mail or call us at (847) 952-3700.

If you are receiving a blank page when trying to view your e-Statement, you may need to upgrade your Adobe Acrobat Reader to at least 8.0 version.

If you are still experiencing a problem viewing your check images, please send us an e-mail or call us at (847) 952-3700.

Yes, in order to receive an e-Statement you must have a valid e-mail address. We need this in order to notify you of your statement, as well as any notices regarding your account(s).

We use a third party to initiate payments to your intended payee. We will not know how the payment will be. Once it has processed, we will be able to tell you how the payment was sent. After you make a few payments to the same payee, you may be able to see a pattern of how long it takes for that payee to receive and post your payment.

You may ask specific questions about your account using our secure contact forms. You should not send any requests using regular e-mail, as it is not secure. We will not reply to your specific requests via e-mail for your own protection. We will call you with a reply to any requests regarding your account information.

Upon your first time logging in to Online Banking you may enroll for Bill Pay. Once logged in, click on the "Bill Pay" tab. Please read the Terms and Conditions for First American Bank's Bill Pay service and click the check box to "Accept" the Disclosure in order to continue. You will not be able to proceed with enrollment unless the disclosure is accepted.

Any business that is eligible for Online Banking (has 2 or less accounts) can enroll in Bill Pay. See the Schedule of Fees to determine whether any fees apply to your account.

After logging in to Online Banking, click on the "Bill Pay" tab. The "Manage Payees" tab will be the initial screen. Click on the "Add Payee" link. In the box provided, type your payee's name and click "Search." 

If the payee is in our system:

• Choose from the list provided. If the payee name and address that appears on your bill is in the list, click the corresponding link.  Next, enter the account number as it appears on your bill. You may also select the payee to "Enable for Quick Payments."  Verify all information is accurate and click "Submit."  You will have the option to edit payee, save the payee as you have entered it, or cancel adding the payee. If your payee is known in our system, we may validate the format of your account number. If the account number you have entered doesn't pass validation, you will receive an "Add Payee Validation Warning" as shown below
• "There was a problem validating the payee details with the payment provider. The account number for this payee does not match the valid account number specifications provided by this payee. Please verify that the account number you submitted matches the account number currently on your billing statement. Press 'Edit' to go back and edit the payee details again, press 'Save' to accept the details entered and ignore this warning or press 'Cancel' to cancel adding the specified payee and go back to the Bill Pay home page". 

If the payee is not in our system:

• Enter all of the payee information required as well as the account number. Make sure you copy the account number exactly as it appears on your bill. You may also include the name on the billers' account (optional). Then click "Submit" to continue. You will be asked to verify the information entered. If you need to make a change, click "Cancel" and then input the correct information. If the information is correct, click "Confirm" to complete adding your payee to Bill Pay. 

After logging in to Online Banking, click on the "Bill Pay" tab. The "Manage Payees" tab will be the initial screen. The "Payee List" is a complete list of your payees to date. You can add, remove, or change a payee whenever you wish.

Modify a Payee:

• Click on the payee name to modify the payee name, payee nickname, account number (the account number on bill), and name on account. All fields can be edited for a payee not known to the system. You can also enable or disable a payee for "Quick Payments". Click "Submit" and confirm the information.  Click "Submit" again. If you need to modify the address of a payee that is known in our system and was on the list, delete the current payee and add it back with the corrected information.

Delete a Payee:

• Click on the Delete action next to the payee you want to delete. You will be asked to confirm prior to deleting a payee. If you've changed your mind, click "Cancel" to return to the "Manage Payees" tab. Otherwise, click "Confirm" and the selected payee will be removed from your list of payees. Deleting a payee will cancel all future payments scheduled for that payee. This includes all instances of repeating future payments and any one time payments scheduled for that payee.  

First things first,you should set up your bill payments at least 5 business days in advance of your payment due date. Weekends and holidays are not counted as business days.

There are two Tabs which enable you to schedule payments.

Quick Payments Tab:

• One Time Payments.

• Quick Payments is the option designed to give you access to payees you use often. Go to this tab to send one time payments, or initiate a series of repeating payments. Click on the "Bill Pay" tab, and then click on the "Quick Payment" button. All of the payees you have enabled for Quick Payments will appear here.
• You will see the payee nickname and account number; you can click on the link to update the payee's information.
• To change the account from which a payment is to be funded, select the "Pay from Account.
• Type in a memo (optional). Select the send date or leave it the date that defaults.
• Type in the dollar amount of the payment. Within the "Quick Payment" option you should only type in the dollar amount for bills you would like to pay at that time. Click on "Submit Payment" and the payment will be added to your pending payment list.

• Repeating Payments.

Click on the link "Set up a Recurring Payment" this will take you to page where you can:

• Select a payee from your list of All Payees.
• Select the account number from which your payments are to be funded.
• Enter a payment amount (this amount will be used for all payments in the series unless you change it before the send date).
• Enter the first "Send Date" for the series of payments you are scheduling
• Select the frequency for your repeating payments. Here you can select the interval between payments in the series of payments you are scheduling.
• Next, you can select from a fixed number of payments or an unlimited number of payments.
• If you select a fixed number of payments, the next option you have is to enter a number of payments. If you do not enter a number the series will be set up as one payment only.
• If you select an unlimited number of payments' the series will repeat at the interval you have selected, and continue until you cancel the series
• Finally you can enter a "Memo" to provide yourself with a note about the payment. This note is not sent with your payment.

Schedule Payments Tab:
This function is designed to give you access to each payee, and enter specific instructions for a one time payment or a series of repeating payments.

• Select a payee from your list of All Payees.
• Select the account number from which your payments are to be funded.
• Enter a payment amount (this amount will be used for all payments in the series unless you change it before the send date).
• Enter the first "Send Date" for the series of payments you are scheduling.
• Select the frequency for your repeating payments. Here you can select the interval between payments in the series of payments you are scheduling.
• Next, you can select from a fixed number of payments or an unlimited number of payments.
• If you select a fixed number of payments, the next option you have is to enter a number of payments. If you do not enter a number the series will be set up as one payment only.
• If you select afn unlimited number of payments' the series will repeat at the interval you have selected, and continue until you cancel the series.
• Finally you can enter a "Memo" to provide yourself with a note about the payment. This note is not sent with your payment.

• Click on the "Bill Pay" tab, then click on the "Pending Payments" tab. Under the heading 'Payments Scheduled for a Future Date' you will see a table detailing the next in any series of repeating payments you have scheduled, and any one time payments you have scheduled for a future date. This table shows the "Payment Date", the "Payee Name" the "Pay from Account", the "Frequency" by which the series will repeat, and the "Amount". 
• Click on the link on the far right of each row to "Edit" or "Cancel" a future dated payment on this list.
• Below this table, you will find "Today's Payments". This table contains any payments to be processed today (if today is a business day).  For each payment in "Today's Payments" you will see the payment date, the name of the payee, the account from which the payment will be deducted, the amount, and the reference number. Payments listed under "Today's Payments" can not be modified but you can cancel these payments as long as you do so before 4:00PM (Central Time).

You can "Edit" or "Cancel" a future dated payment.

To "Modify a Payment", or "Edit" a payment:

• Click on the "Bill Pay" tab, and then on the "Pending Payments" tab.  Next, click on the "edit" link to the far right of the row detailing the payment you wish to modify.  You can change any of the following fields:  the "Pay from Account", the "Payment Send Date", the "Frequency", the "Number of Payments", and the "Memo".  If you selected fixed for the number of payments field, you can also modify the number of times that the payment will be repeated.  If you selected a "One Time Payment" as the frequency you will not be able to modify the number of payments.  Click on "Submit Payment."  You will then need to confirm the scheduled payment details and click "Confirm."  The payment will then be updated in your pending payment list. 

To "Cancel" a Payment:

• Click on the "Bill Pay" tab, and then click on the "Pending Payments" tab. Next, click on the "Cancel" link by the payment you wish to delete.  You will be asked to confirm the details of the cancellation request before submitting. After you have done so you'll click the "Confirm" button to delete the payment. If you decide you do not want to delete the payment, click "Cancel" to return to the "Pending Payments" screen. Keep in mind that deleting a recurring payment will cancel all future occurrences of that series of payments.

After logging in to Online Banking, click on the "Bill Pay" tab, and then click on the "Pending Payments" tab.  The "Pending Payments" tab shows all the payments you have scheduled at this time.  For future dated payments, the "Payments Scheduled for a Future Date" table shows the payment date, the payee, the account from which your payment will be deducted, the frequency, and the amount. For payments scheduled for the current business date, the "Today's Payments" table will display the payment date, the payee, the account from which the payment will be deducted, the amount, and the reference number. If you do not see the payment you are searching for, click on "Payment History."  Select the history (30 days, 60 days, 90 days, 120 days, or all payments), select the payee (either all payees or a particular payee), and select the "Pay from Account."  Click "Filter" to display the payment history.

If you are still unable to determine the status of a payment, please contact Customer Service at (847) 952-3700.

Contact Customer Service at (847) 952-3700 and a representative will be able to assist you. We will provide you with proof of payment if the bill payment was electronic or we will provide you with a check copy if the bill payment was sent via check and the check has cleared.

You should set up your bill payments at least 5 business days in advance of your payment due date. Weekends and holidays are not counted as business days.

If you want to pay a loan account that you have with First American Bank instead of utilizing bill pay, we suggest that you set up a transfer from your checking account to the loan.  The transfer will be immediate, whereas there could be a delay in posting the credit to your loan account if Bill Pay is used for the payment.

After logging in to Online Banking, click on the "Bill Pay" tab and then click on "Payment History." Select the history (30 days, 60 days, 90 days, 120 days, or all transactions), select the payee (either all payees or a particular payee), and select the "Pay from Account." Click on "Filter" to display the payment history. Selecting all transactions will display up to the last 12 months of bill payments.

If the funds are not available in your account when the system tries to debit your account for your bills, the payment will not be sent. You should receive an email notification if this happens. The system checks the available balance on your account; therefore, bill payments could potentially cause overdrafts on your account. If the payment is not sent, the system will NOT try to send the bill payment again. You will need to reinitiate the bill payment if you would like it to be sent.

Bill payments set up by 4:00PM (Central Time) on a regular business day will be debited from your account that business day. The funds will be sent to your payee(s) the following business day. If you set up bill payments after 4:00PM (Central Time) on a weekday, on a weekend or a holiday, the funds will be debited from your account after 4:00PM (Central Time) on the next business day. Again, the funds will be sent to your payee(s) the following business day.

You will be notified via email if a payment isn't sent due to non-sufficient funds. (See what happens if you don't have enough funds in your account for a bill payment question for more information.)

You are only able to stop a future dated payment. After logging in to Online Banking, click on the "Bill Pay" tab, and then click on the "Pending Payments" tab. The pending payments chart shows all the payments you have scheduled at this time. To stop (or cancel) a pending bill payment, click on the cancel link by the payment you wish to cancel. In order to stop the payment, click "Confirm" and this payment or series of payments will be removed from your list. If you really don't want this to happen, just click "Cancel." If you want to make changes to a payment, then go back to the pending payments list and click the "edit" link instead.

If you need to stop a payment that has already processed, please contact Customer Service at (847) 952-3700. The representative will first need to determine if the payment was sent electronically or via check. If the payment was sent electronically, we will not be able to stop the item. You will need to contact the payee for a refund. If the payment was sent via check, we will need to check to see if the check has cleared. If the check has cleared, you will need to contact the payee for a refund. If the check has not cleared, we can place either a stop and refund or a stop and reissue. If we place a stop and refund, the payment will be stopped and the funds will be credit back to your account the next business day. If we place a stop and reissue, the payment will be stopped and reissued. We will need to verify with you that we have the correct mailing address before we reissue the check. See the Schedule of Fees for the stop payment fee on Bill Pay items.

See the Schedule of Fees to determine whether any fees apply to your account.

Types of payments prohibited in Bill Pay are:  tax payments, court ordered payments, payments to payees outside of the United States, and payroll payments by a business or not-for-profit organization.

After logging in to Online Banking, click on "Account List Order" at the bottom of the "Balances" screen. Another option is to click on the "Preferences" tab, and then click on "Account List Order." From this screen select the account you would like the system to default to when adding a payment and move it to the top of the list.