Disclosure

First American Bank
Elk Grove
1660 Louis Ave
Elk Grove, IL 60007

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 23, 2014.   For current rate information call (847) 952-3700.


SCHEDULE OF FEES


Account Processing Services:
Student Checking:
Account Closed within 6 months $50.00
All Other Accounts - Checking & Savings:
Account Closed within 6 months $25.00
Manual Check Processing Fee (per item) $1.00
Return Deposit Item (Charge Back) $5.00
Re-deposit Charge Back $5.00
Returned Mail - Hold Statement $10.00 Mo.
Return Notification of large (>$2,500) NSF item $25.00
Overdraft Fee (Paid Items maximum 6 per day) $39.50
Returned Item Fee $39.50
Continuous Daily Overdraft (excluding HSAs)
Every day the account is overdrawn, starting 3 days
after the account is first overdrawn $5.00
Sight Draft to Close Account $25.00
Stop Payment Fee:
Placement $30.00
Online Fee $20.00
Renewal $30.00

Card Related Services:
Card Replacement Fee $10.00
Card Replacement Fee - Rush $25.00
International Transaction Fee 2.75%
Balance Inquiry $2.00
ATM Deposits Free
Account to Account Transfers at any ATMs Free
Everyday Rewards Checking, Personal Checking, Fresh Start,
All Health Savings Accounts & Free Checking Opened after 6/15/2009:
Withdrawals at First American Bank ATMs Free
Withdrawals at all other ATMs $3.00
Optimal Checking & Student Checking:
Withdrawals at First American Bank ATMs Free
Withdrawals at all other ATMs
(after the first four per month, with direct deposit) $3.00
All Other Checking Accounts, Money Market & Savings Accounts:
Withdrawals at First American Bank ATMs Free
Withdrawals at ATMs not owned by First American Bank
(after the first two per month, with direct deposit) $3.00

Check Services:
Foreign Draft $35.00
Collection Services $25.00
Non U.S. Checks Deposited - Canadian in USD (<$5,000) $5.00
Non U.S. Checks Deposited - Canadian in CAD (<$5,000) $5.00
plus exchange fees
Non U.S. Checks Deposited – Foreign Currency Market price
Official Check $5.00
Re-issue of Lost Interest Check $20.00
Non-Customer Check Cashing Fee for On-us Checks $7.50

Cash Processing Services:
Rolled Coin $0.10
Standard Bag of Coin $3.00
Locked Bag $45.00
Zipper Bag $15.00

Other Services:
Coupon Redemption (per envelope): $10.00
Dormant Account Fee not including Health Savings Accounts $10.00

Other Services Cont.:
Garnishment, Levy, Restraining Order or Citation Fee $175.00
Subpoena Copy Request (per item) $1.00
Subpoena Research - per hour (minimum charge $45.00) $90.00

Special Services:
Research (minimum charge $40.00) $90.00 per hour
Account Verification $10.00
Copy of Canceled Check or Deposit (per item): $7.50
Paper Statement $3.95
Copy of Statement $10.00
Copy of statement (with images) $15.00
Interim Statement $10.00
Audit Confirmation $20.00
Verification of Deposit $10.00
Auction Letter $50.00
Immigration Letter: $10.00
CD Rom of Stmt w/Images (Annual) $15.00
CD Rom of Stmt w/Images (Monthly) $15.00
MyChoice Checking, Everyday Rewards Checking, Student Checking,
Fresh Start Checking & Premium Yield MoneyMarket:
Check Images (fronts and backs) $2.00
Check Images (fronts only) $1.00
Private Banking & Optimal Checking:
Image (fronts & backs) $2.00
Check Images (fronts only) Free
Any Other Accounts Which Do Not Include Check Images:
Check Images (fronts and backs) $7.50
Check Images (fronts) $5.00
Health Savings Accounts, CheckingPlus & Premium NOW:
Check Images (fronts and backs) $2.50
Check Images (fronts) Free
Health Savings Accounts:
Withdrawal of Excess Contribution (per occurrence) $20.00
Account Transfer Fee $25.00
Money Market/Savings Accounts:
Excess Money Market/Savings Transactions (per month): $10.00


Transfer Services
Account Link Transfer $10.00
Automatic Funds Transfer Set Up $15.00
Customer Requested Transfer through Customer Service $10.00
International Wire Transfer $40.00
Incoming Wire Transfer $15.00
Outgoing Wire Transfer $25.00
Outgoing Repetitive Wire Transfer (each) $15.00

Safe Deposit Box
Safe Deposit Box - Key Replacement $30.00
Safe Deposit Box - Lost Keys, Drilling $167.50

12/2/13