First American Bank
P.O. Box 0794
Elk Grove, IL 60009-0794

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Interest Rates and Annual Percentage Yields are current as of June 25, 2018.   For current rate information call (847) 952-3700.

Commercial Optimal Return Money Market

Limitations: The minimum balance to open this account is $1,000.

Account Fees: Minimum daily balance or average monthly balance of $5,000 must be maintained to avoid monthly fee of $14.95. Commercial Analysis fees apply to this account. Refer to the Business Account Fee Schedule for additional fee information. You may make six (6) transfers from your account each month, if by preauthorized or automatic transfer, or telephone agreement, order or instruction, check, draft, debit card, or POS, made by the depositor and payable to third parties. Transfers in excess of 6 per month: $10.00 per preauthorized or automatic transfer, or telephone agreement, order, or instruction. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited. If you close your account before interest is credited, you will not receive the accrued interest. Accrued interest will be paid when the entire balance of your closed account is transferred to a new First American Bank account. Fees may reduce earnings.