Checking
The One Account
A truly free account. First Atlantic’s One Account meets your financial needs and gives you the kind of flexibility your life demands.
- Access to over 30,000 fee-free ATMs
- E-Statements*
- No minimum balance
- No monthly fee
- No per-check charges
- No direct deposit requirement
- Online Banking
- Mobile Banking
- Free Debit Card
Open an Account for one-account Check The One Account Status
*E-Statements at no charge. Paper statements $2 per month.
The Elite Account
With our Elite Account, get the convenience of a checking account while earning interest on your deposits, plus get discounts on loans.
- Interest bearing*
- Access to over 30,000 fee-free ATMs
- E-Statements**
- $5,000 minimum balance***
- No per-check charges
- No direct deposit requirement
- Online Banking
- Mobile Banking
- Free Debit Card
- Discounts on Consumer Loans****
- High interest rate with unlimited transactions
Open an Account for elite-account Check The Elite Account StatusView Rates for The Elite Account
* The annual percentage yield (APY) is available on The Elite Account. Rate based on current rate sheet information. Rates are subject to change at any time.
** E-Statements at no charge. Paper Statements $2 per month.
***If average monthly balance falls below $5,000, a $15 service charge will apply. Service charge may reduce account earnings.
**** Rate discount of 0.25% on all NEW consumer loans with an active Elite Account. Rate based on creditworthiness. Discount subject to change at any time.
Access Banking
Introduces teens and young adults to money management concepts and responsible spending habits to help pave the way to financial success.
- Edge Spend (Ages 13-17)*
- No minimum balance or service charges
- Rise Spend (Ages 18-24)
- Free Visa Debit Card
- Over 30,000 surcharge-free ATMs nationwide
- Foreign ATM fee reimbursement (limit $6 per month) with Rise Spend account
- Pre-Approved Visa® Platinum Credit Card ($500 limit) with Rise Spend account
Open an Account for access Check Access Banking Status
*A parent or legal guardian must be an owner on this account.
Checks will not be issued, but are available for a fee.
Shore Thing Rewards
It’s time to get more from the shore with two tiers of perks. With Shore Thing Rewards*, the perks get better the higher your score, which is determined by how many products and services you use. See how to accumulate points here!
| Shore Thing Gold | Shore Thing Silver | |
| Points Accumulated | 400+ | 200-399 |
| Checking Account | Shore Interest Checking | Shore Interest Checking |
| Free First Order of Checks | x | |
| Free Visa® Debit Card with Cashback Reward | x | x |
| Over 30,000 surcharge-free ATMs nationwide | x | x |
| Foreign ATM Fee reimbursement | Up to $10 per month | Up to $5 per month |
| Overdraft Protection | 4 free/month | 2 free/month |
| Courtesy Pay | 2 free/year | 1 free/year |
Learn More for shorething View Rates for Shore Thing Rewards