Banking Services
Easy to use.
Easy to access.
Easy to convert.
We have experience in automating real estate and escrow industry banking transactions to improve speed, enhance security, and create value for your organization. Our specialists are dedicated to serve your banking needs.
First American Trust provides comprehensive banking solutions including escrow software integration, deposit account services, treasury management applications, remote deposit capture, positive pay, and real-time domestic and international wire transfer services.
Learn more about our products and services
Automated Services
Existing real-time integrations with your production platforms provides straight-through transactions, new accounts, and reconciliation.
Deposit Services
Interest bearing or analyzed checking, savings, trust, or time deposit accounts tailored for your escrow and title business.
Treasury Management
Optimize your efficiency through our readily accessible real-time online applications.
Enhanced Security
State-of-the-art systemic security features including multifactor authorization, dual control, positive pay, and ACH blocking.
Automated Services
Our solutions automate and streamline your banking processes by allowing you to conduct banking activities directly within your title and escrow production platform, eliminating the need to work in multiple systems.
We offer the following automated solutions:
Xpresswire
Straight through wire transfer automation directly from your production platform
- Real-time Fed reference numbers
- Enforced multi-party wire approval
- Automated incoming wire matching
- Complete Fedwire message detail
- Eliminates re-keying information
Xpressport
Automates interest-bearing account creation and maintenance directly from your production platform
- Supports account opening, deposits, withdrawals, and closing
- Eliminates paperwork
- Supplies account balance, accrued interest, and interest rate information electronically
Check Services
Integrates check images and allows electronic check deposits directly from your production platform
- Retrieve images of paid and deposited checks
- Send image cash letter files in lieu of manual check scanning
- Utilize remote desktop check scanners
Reconciliation Solutions
Automated transmission of positive pay and daily reconciliation files
- Automatically transmit daily lists of issued and voided checks to the bank for positive pay processing
- Daily delivery of BAI reconciliation files directly into your production platform or your trust accounting system
Integration Partners for Automated Services
We have live integrations in production with the following leading title, escrow, and trust accounting platform providers.
Don't see your title and escrow production platform or trust accounting provider listed here? Contact us for more information on how to integrate.
Deposit Services
We offer a range of commercial bank accounts tailored to the needs of the real estate settlement services industry.
Escrow Accounts
Keep track of your client funds with efficient transaction processing and reconciliation of balances.- Pooled escrow checking
- Escrow savings
- Time deposits
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Trust Accounts
Keep track of your client funds while we keep you in compliance with your state regulations.*- Interest on Lawyer's Trust Accounts (IOLTA)
- Interest on Trust Accounts (IOTA)
- Maryland Affordable Housing Trust (MAHT)
Learn More ›
Operating Accounts
Maximize your earnings and efficiency.- Interest bearing checking
- Account analysis checking
- Business savings accounts
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*For more details on availability of IOLTA and IOTA accounts in your state, please Contact Us.
Treasury Management
Manage your accounts in one place — anytime, anywhere — with iBanking. Simple and secure online wire and ACH transfers with dual custody.
Account Management
- See all of your account activity in one place
- Search for individual transactions across all accounts
- Add notes to transactions
Trustwire
- View and print payment details and transaction history
- Originate domestic (Fedwire) and international (SWIFT) wires
- Designed to quickly process with accuracy, reliability, and security
- Full payment details on incoming and outgoing wires, including Fed reference numbers
- Define entitlements at the user level
- 2 years of wire history available online
ACH Origination
- Upload NACHA or CSV formatted files for processing
- Support for federal and state tax payments
- Allows for origination of recurring and split transactions
- View summary reports of originated files
Checkpoint
- User-friendly software and remote check deposit scanning devices
- Same day posting for check deposits transmitted before 6:00 p.m. PST
- Email confirmation and reporting for all deposits
- Duplicate check detection up to 30 days
- Optional unique identifier to simplify reconciliation
Enhanced Security
Our fraud protection solutions safeguard your accounts by preventing unauthorized transactions and usage.
Secure Access
- Multi-factor authentication
- Define entitlements at the user level
- Single sign-on to cash management modules
Positive Pay
- Protect your account against fraudulent or altered checks
- Helps identify check number and dollar amount discrepancies
- Payee positive pay allows for matching of the check recipient
- Electronically submit files of checks issued
- Online exception management for pay/return decisioning
Funds Transfer Controls
- Block or filter ACH transactions to reduce fraud
- Requires dual control of all outgoing monetary transactions
- Set limits and approval authority to match your procedure and workflows
Learn Why First American Trust is the right bank for you.
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