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 April 22, 2018.   For current rate information call (847) 952-3700.

Fresh Start Checking

Limitations: You must deposit $50.00 to open this account. ATM/debit card limits: $500 daily POS limit; $200 daily cash withdrawal limit; no deposits allowed at ATMs. Funds Availability Information: Our Funds Availability Policy Disclosure describes Special Rules for New Accounts. Fresh Start is subject to the Special Rules for New Accounts. Please refer to the Funds Availability Policy Disclosure also provided at account opening to understand when checks deposited will be available for withdrawal. Please see personal banker for account qualifications.

Account Fees: No minimum balance required. The following features apply to this account: No charge for e-Statements. Paper statement fee is $3.95; $9.95 monthly maintenance fee; Unlimited Check Writing: Free; Optional STAR/Cirrus services available: see service fee schedule; Optional Check Images - Front: $1.00 per month; and Optional Check Images - Front and Back: $2.00 per month. An overdraft charge is imposed for overdrafts created by checks, in person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Within the first 30 days after an account is opened, the primary owner (designated by the first named owner on the signature card or on the statement) must enroll in our Online Banking Service and accept the Online Banking Agreement to receive free electronic statements. If the Online Banking Agreement is not accepted within the first 30 days of account opening your account will be converted to Personal Checking and subject to the Terms and Conditions of Personal Checking. See Schedule of Fees.