Regular Savings
This is an interest bearing account. Interest will be compounded quarterly and credited to your account quarterly. If the balance falls below $100 any day of the month there will be a $2 service charge applied to the account. You may make no more than six transfers from your account each statement cycle to another account or to a third party by preauthorized, automatic or telephone transfer. None of these transfers can be made by check, draft or similar order.

Youth Savings
This is an interest bearing account for children under the age of 18. Interest will be compounded quarterly and credited to your account quarterly. If the balance falls below $20 any day of the month there will be a $2 service charge applied to the account. After the primary account holder reaches the age of 18, the minimum balance to avoid the service charge increases from $20 to $100. You may make no more than six transfers from your account each statement cycle to another account or to a third party by preauthorized, automatic or telephone transfer. None of these transfers can be made by check, draft or similar order.

First Savings
This is a tiered interest bearing account. You must maintain a minimum balance of $5,000 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded monthly and credited to your account monthly. If the balance falls below $100 any day of the month there will be a $2 service charge applied to the account. You may make no more than six transfers from your account each statement cycle to another account or to a third party by preauthorized, automatic or telephone transfer. None of these transfers can be made by check, draft or similar order.

Christmas Club Account
It is never too early to start saving for the holidays. This account requires a $5 minimum deposit to open. If you make 49 consecutive and timely weekly deposits of the same amount into this account, First National Bank of Sycamore will make the 50th deposit of that amount for you. You may choose the amount of the deposit, within any limits we may set. If any withdrawal is made from this account before October, the account may be closed. You may make no transfers from this account. Weekly deposit options: $5, $10, $15, $20, $25, $30, $40, $50, $60.

Money Market Account
This is an interest bearing account which requires a $2,500 deposit to open. Interest will be compounded monthly and credited to your account monthly. If the balance falls below $2,500 any day of the statement cycle there will be a $10 service charge applied to the account. You may make no more than six transfers from your account each statement cycle to another account or to a third party by preauthorized, automatic or telephone transfer. None of these transfers can be made by check, draft or similar order.

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