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*A $50 cash bonus card offer is open only to new personal checking account relationships with Old Second that are opened with money not currently on deposit at any Old Second Bank, and you must enroll for Debit Card and Free O2 Online Banking at new checking account opening. Free checking accounts require enrollment in eStatements within 60 days of account opening, otherwise account converts to Basic Checking with a $2.95 monthly maintenance fee. **Additional $30 cash bonus offer is open only to personal checking customers that do not have a savings or money market account type at Old Second Bank and open a Money Builder Savings within 90 days of your first new checking account opening with money not currently on deposit at any Old Second Bank. $1,000 minimum balance to open, obtain APY and $30 offer. $30 will be added to your cash bonus card after your qualified new Money Builder Savings account has been open for 30 days and the required minimum balance has been maintained during that entire period. (If you did not qualify for a cash bonus card, $30 will be deposited to your Money Builder Savings account.) Annual Percentage Yield (APY) is accurate as of 9/30/13. Money Builder Savings: $0-999, 0.00% APY; $1,000-9,999, 0.05% APY; $10,000-24,999, 0.05% APY; $25,000+, 0.10% APY. Rates are subject to change without notice. Rates may change after account is open. Fees may reduce earnings. Accounts closed within 90 days of opening will be charged $25. $30 Money Builder Savings cash bonus is considered interest reportable on IRS 1099 form. Debit Card and O2 Online Banking bonus may be subject to 1099 reporting. All bonus offers, including Money Builder Savings may be withdrawn at any time without notice. Only one cash bonus offer per household. ***1,000 Debit Reward Points will be added to your reward point balance for three BillPay transactions completed within the first 60 days of account opening. Another 1,000 Debit Reward Points will be added when you sign up for free O2 eStatements within 90 days from the date that you open your new accounts.