Old Second

 
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Checking

STOP thinking of it as just another checking account. START banking on it as a reward for your relationship. When you link your accounts through Money Connection, you gain access to a variety of additional benefits—higher rates of interest, overdraft sweeps and more.

Want to make checking deposits using your own flatbed scanner? Learn more about O2 Deposit Scan.

CHECKING OPTIONS

For full account and fee disclosures, please visit one of our convenient branches or contact us.

  • Free Checking

    A great account for anyone, with no minimum balance requirement or monthly maintenance fees.

    • $50 minimum opening balance
    • No monthly fees
    • Unlimited withdrawals/debits
    • FREE O2 Online & Mobile Banking services
    • FREE O2 Debit Card and auto enroll in O2 Debit Rewards Program
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo
    • FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule)
    • FREE eStatements
    • FREE 24/7 account access by phone through Infoline
    • Relationship rates may be available on other products

    Apply Now

  • Interest Plus Checking

    Customers earn interest on the account.

    • Minimum opening balance of $500 required; a minimum average daily balance of $2,500 or $10,000 total balance in combination of deposit accounts to avoid $10/month fee.
    • $500 minimum balance to earn interest
    • Unlimited withdrawals/debits
    • FREE O2 Online & Mobile Banking services
    • FREE O2 Debit Card with access to O2 Debit Rewards Program
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo
    • FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule)
    • FREE eStatements
    • FREE 24/7 account access by phone through Infoline
    • Relationship rates may be available on other products
    • Rates may change after account is opened.  Fees could reduce earnings

    Apply Now

  • Prime Time Club Checking

    The Prime Time Club is open to customers who are at least 55 years old and have combined balances of $10,000 or more in their Old Second Bank or Wealth Management accounts.

    • NO minimum balances, though an opening deposit of $50 or more is required
    • NO monthly service fee
    • $500 minimum balance to earn interest
    • FREE services include: money orders, cashier’s checks, gift cards, signature guarantees, and notary services
    • Discounted travelers checks
    • Safety deposit box services are offered at a 25% discount
    • FREE Prime Time checks
    • FREE O2 Online & Mobile Banking services
    • FREE O2 Debit Card with access to O2 Debit Rewards Program and unlimited MoneyPass® Network ATM transactions
    • Three free non-Old Second or non-MoneyPass® network ATM withdrawals per month*.
    • FREE eStatements
    • FREE 24/7 account access by phone through Infoline
    • FREE O2 newsletter subscription and financial counseling session
    • Invitation to annual Prime Time Club luncheon
    • Relationship rates may be available on other products
    • Rates may change after account is opened.  Fees could reduce earnings
    *While you won’t be charged for foreign ATM transactions by Old Second, the sponsoring bank may charge a fee

  • Premier Plus Checking

    O2 doesn’t just offer you checking with interest, but checking with an interest rate that is linked to your balances—the higher your balances, the higher the rate of interest you earn.

    • Minimum opening balance of $5,000 required; a minimum average daily balance of $5,000 or $20,000 total balance in combination of deposit accounts to avoid $17 monthly fee. $5,000 minimum balance to earn interest.
    • Tiered interest rates:
      • $5,000 - $9,999
      • $10,000 - $24,999
      • $25,000 - $49,999
      • $50,000 and over
    • FREE O2 Online & Mobile Banking services
    • FREE O2 Debit Card with access to O2 Debit Rewards Program and unlimited MoneyPass® Network ATM transactions
    • Unlimited withdrawals from foreign (non-O2) ATMs*.
    • Free eStatements
    • Relationship rates may be available on other products
    • Rates may change after account is opened.  Fees could reduce earnings

    *While you won’t be charged for foreign ATM transactions by Old Second, the sponsoring bank may charge a fee

  • Money Connection

    Making the connection is simple. Choose the Old Second Checking Account that best meets your needs. Then link that account to either an O2 Money Manager Money Market account or an O2 Money Builder Savings account and start banking where, when and how you want.

    • Access to Money Connection Overdraft Sweep which will automatically transfer funds from savings to checking for a $10 fee, saving you from a $33 overdraft fee
    • Earn reward points with the O2 Debit Rewards program, redeemable for merchandise, shopping, dining and travel when you make purchases with your Money Connection Debit Card
    • FREE O2 Online & Mobile Banking services
    • Receive one consolidated statement each month
    • Gain the added convenience offered by Money Connection Prepaid Reloadable Cards
    • FREE eStatements
    • FREE 24/7 account access by phone through Infoline

  • College Checking

    A great account for college students looking to save with no minimum balance requirement or monthly maintenance fees.

    • $50 minimum opening balance
    • No monthly fees
    • Unlimited withdrawals/debits
    • FREE O2 Online & Mobile Banking services
    • FREE O2 Debit Card and auto enroll in O2 Debit Rewards Program
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo
    • FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule)
    • FREE eStatements
    • FREE 24/7 account access by phone through Infoline
    • Relationship rates may be available on other products

    Apply Now

  • Checking Navigator

    This online program will provide you with some general information to help you understand better how checking accounts work, how to better manage a checking account and how to avoid overdraft fees.  Click Here to get started.