Get to some of the basics of the Reg. Go to this 204.2
section of Reg. D, do an Edit > Find (on this page) and enter "early" as your key word. You'll see the information on early withdrawal penalties.
I'll discuss this in my Auditing Deposit Products webinar.
(The promo material isn't there yet, bit will be soon.)
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell