Disclosure

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 November 20, 2017.   For current rate information call (847) 952-3700.


SCHEDULE OF FEES - Consumer Accounts


ACCOUNT SERVICES
Stop Payment
    Via Customer Service
    Via Online Banking
$35.00
$30.00
Chargeback (Return Deposit Item)
$15.00
Re-Deposit Chargeback
$4.50
Insufficient Funds - Return Item Fee
$39.50
Insufficient Funds - Overdraft Fee
$39.50
Continuous Daily Overdraft Fee1
(excluding Health Savings Accounts)
(Each day the account is overdrawn, beginning 3 days after the account is first overdrawn)
$5.00/day
Large Return Item Fee (>=$2,500)
Return Item Fee + $25.00
Account Closing Fee (closed within 6 months of opening)
$50.00
Dormant Account Fee2
$10.00/month
Excess Money Market or Savings Transaction3
$10.00
Audit Confirmation or Verification of Deposit (VOD)
$20.00
Research Fee (minimum charge $62.50)
$125.00/hour
Research with Paper Copies
$0.30/page + Research Fee
Endorsement Stamp
$25.95
TRANSFERS
Account Transfer (via Online Banking)
Free
Sweep Transfer (Auto Funds Transfer)
$10.00
Telephone Transfer (Account Transfer via Customer Service)
$10.00
Incoming Wire Transfer
$15.00
Outgoing Domestic Wire Transfer
$25.00
Outgoing International Wire Transfer
$40.00
Outgoing Repetitive Wire Transfer
$15.00
CHECK AND STATEMENT SERVICES
Monthly Statement – Electronic
Free
Monthly Statement – Paper
$3.95
Check Images with Monthly Statement
Front Only
Front and Back

Free
$7.50 + Monthly Statement Fee
Copy of Canceled Check or Deposit Item
$7.50
Copy of Monthly Statement
$7.75
Purchase of Official Check
$8.00
Purchase of Official Check in Foreign Currency
$40.00 +
Shipping Cost
DEBIT CARD TRANSACTIONS AND SERVICES
ATM Account to Account Transfers
Free
ATM Deposit (First American Bank ATMs only)
Free
Withdrawals at First American Bank ATMs
Free
Withdrawals at Allpoint & Presto! ATMs (excluding Health Savings Accounts)
Free
Withdrawals at all other ATMs
$3.00
ATM Balance Inquiry
$2.00
Debit Card Replacement - Standard
$10.00
Debit Card Replacement - Rush
$25.00
International Transaction Fee
2.75%
LEGAL PROCESSING
Citations, Garnishments, Levies and Other Court Orders
$175.00
COLLECTION SERVICES
Collection Item (Foreign Check or Draft)
$45.00 +
Processing Costs4
Canadian Item in CAD < $5,000
$5.00 +
Processing Costs4
Canadian Item in USD < $5,000
$5.00
SAFE DEPOSIT BOX
Key Duplication
$30.00
Lost Keys; Drilling
$167.50
HEALTH SAVINGS ACCOUNT
Withdrawal of Excess Contribution
$20.00
Account Closure and Transfer Fee
$25.00


1A Continuous Daily Overdraft Fee will also apply when any fee causes an account to drop below a zero balance.
2Accounts become dormant after an extended period of customer inactivity. Checking/Money Market accounts become dormant after 12 months. Savings/Health Savings accounts become dormant after 24 months.
3Applies to every withdrawal or transfer after six during a statement cycle made by preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card or similar order.
4Processing Costs may include correspondent bank fees, collecting bank fees, communication fees, messenger fees and other related fees.

8/15/17