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.
icon-osb-free-checkingFree Checking (w/eStatement)
icon-osb-convienence-plusConvenience Plus Checking
icon-osb-premier-plusPremier Plus Checking
icon-osb-primtetime-checkingPrime Time Checking
|Account qualifications, minimum balances, monthly fees||No minimum balance or fees but must enroll in eStatements within 60 days.||$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 moneypass.com or download the free MoneyPass® app for your iPhone® or Android™.
|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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