Checking options comparison chart

To help you select the right checking account to fit your current needs, the following chart provides a side-by-side comparison of the features offered by each of our account options.

Convenience Plus Checking
Premier Plus Checking
Prime Time Checking
Account qualifications, minimum balances, monthly fees No minimum balance or fees but must enroll in eStatements within 60 days to avoid a $2.95 monthly charge. $5.95 monthly fee or monthly direct deposit or $1,000 average balance or $5,000 total balance in combination of deposit accounts. $17 monthly fee or average balance of $5,000 or $20,000 total balance in combination of deposit accounts. 55 years + with $10,000 min in combined O2 Bank or Wealth Management accounts. No monthly fees.
Minimum opening deposit $50 $50 $5,000 $50
Interest/Minimum to Obtain

Click to see today's rates
N/A N/A Earns interest on balances over $5,000. Rate tiers: $5,000-9,999 $10,000-24,999 $25,000-49,999 $50,000+ Earns interest on balances over $500.
Perks & Benefits N/A 3 free non-O2 ATM w/d per month No charge for ATM balance inquiry. Free non-O2 ATM w/d Free member checks. Many other FREE benefits--ask banker or learn more here
ATM Balance Inquiry $1 per inquiry $1 per inquiry FREE $1 per inquiry
Statements No paper statements. eStatement signup w/in 60 days or move to Basic Checking Free eStatements with check images or paper statements. Free eStatements or paper with check images. Free eStatements or paper with check images.
ATM Withdrawals at non-O2 or non-MoneyPass® ATMs $2 per w/d 3 free w/d (calendar month), then $2 per w/d. FREE 3 free w/d (calendar month), then $2 per w/d.
MoneyPass® Network ATM withdrawals FREE

Third party surcharge free withdrawals at 1000s of MoneyPass® network ATMs. For locations, visit or download the free MoneyPass® app for your iPhone® or Android™.
Transaction Limits Unlimited
Electronic Services FREE Online Banking with Email Alerts, FREE Online BillPay, FREE Mobile Banking and Text Banking, FREE eStatements with check images, FREE personal Online Financial Management, Deposit Scan, Mobile Deposit
O2 Debit Card with Rewards Debit Card with auto enroll in Debit Rewards with bonus Swype Offers and FREE ATM withdrawals at O2 ATMs with the Old Second logo.

For additional disclosure information, contact our Personal Bankers. Check printing fee depends on style of check ordered.

Information herein is subject to change without notice. See a Personal Banker for updated disclosures.
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