Bank your way

Whether you are just embarking on your financial life or looking for a better banking relationship, count on Old Second for an option that addresses your needs. Click here to compare all of your personal checking account options. And if you already have a checking account with us and currently make use of our ATM/debit overdraft protection services, please take a moment to opt in—federal regulations require you to verify your choice to continue this service. Click here to opt in. If you do not wish to take advantage of these services, click here to opt out.


The basics

Sometimes, a straightforward approach is the best approach. That’s why we offer two convenient options for managing your day-to-day finances. For full account and fee disclosures, please visit one of our conveniently located branches or contact us. Click here to reorder checks (Deluxe).

FREE CHECKING

A great choice for anyone. A minimum opening balance is required. If you enroll in eStatements, there are no monthly fees or required minimum balances.*

BENEFITS:
  • Unlimited withdrawals or debits
  • Free services include: ATM withdrawals at O2 and MoneyPass® Network ATMs and 24/7 account access by phone or Infoline
  • Relationship rates available on some products
See the rates or open now
*Enrollment must occur within 60 days of opening the account.

COLLEGE CHECKING

Designed for a dorm-room budget. The minimum opening balance is $50, and there are no monthly fees or minimum balances required if you are enrolled in eStatements.*

BENEFITS:
  • Unlimited withdrawals or debits
  • Free services include: ATM withdrawals at O2 and MoneyPass® Network ATMs and 24/7 account access by phone or Infoline
  • Relationship rates available on some products
See the rates or open now
*Enrollment must occur within 60 days of opening the account.

Premium Checking Tools

With higher balances and more demands on your money, consider taking a different approach to checking.

PREMIER PLUS CHECKING

More than checking with interest, you gain access to checking with an interest rate that is linked to your balances—the higher your balances, the higher the rate of interest you earn.* The minimum to open is $5,000. You must maintain $5,000 in this account or $20,000 total combined balances to avoid a $17.00 monthly service fee. A $5,000 minimum balance is required to earn interest.

BENEFITS:
  • Tiered interest rates
  • Free services include: ATM withdrawals at O2 and MoneyPass® Network ATMs, unlimited out-of-network ATM withdrawals, ATM balance inquiry, eStatements or paper statements with check images, 24/7 account access by phone or Infoline, O2 Online & Mobile banking services, and O2 Debit Card and access to O2 Debit Rewards Program
  • Relationship rates available on some products
See the rates or open now
*Rates may change after account is opened. Fees could reduce earnings.

CONVENIENCE PLUS CHECKING

An account for those who need greater flexibility regarding their withdrawal options. The minimum opening balance is $50. $5.95 monthly fee or monthly direct deposit or $1,000 average balance or $5,000 total balance in combination of deposit accounts.

BENEFITS:
  • Unlimited withdrawals or debits
  • Free services include: ATM withdrawals at O2 and MoneyPass® Network ATMs, 3 non-O2 ATMs or non-MoneyPass® ATM withdrawals per month (then $2 per withdrawal after that), 24/7 account access by phone or Infoline, O2 Online & Mobile banking services, O2 Debit Card and access to O2 Debit Rewards Program, eStatements with check images or truncated paper statements and 24/7 account access by phone or through Infoline
  • Relationship rates available on some products
See the rates or open now

Money Management

Bank the way you live. Whether you are just starting out or nearing retirement, we offer checking services that suit your lifestyle. For full account and fee disclosures, please visit one of our conveniently located branches or contact us.

MONEY CONNECTION

Make the connection to higher interest rates. Choose the O2 checking account that best suits your needs and link it to either an O2 Money Manager Money Market account or an O2 Money Builder Savings account.

BENEFITS:
  • Optional automatic overdraft sweep
  • Debit card
  • Enrollment in O2 Debit Rewards program
  • Consolidated monthly account statement
  • Free services include: O2 Online Banking, email alerts, imaged check statements and 24/7 account access by phone or Infoline
See the rates or contact a personal banker 877-866-0202.

PRIME TIME CLUB CHECKING

If you are at least 55 years old and have combined balances of $10,000 or more in your Old Second deposit or wealth management accounts, you qualify for our "club" experience. The minimum opening balance is $50.

BENEFITS:
  • No monthly service fee
  • Earn interest on balances over $500*
  • Discounted traveler's checks
  • 25% discount on safety deposit services
  • O2 Debit Card with access to O2 Debit Rewards program
  • Relationship rates available on some products
  • Invitation to annual Prime Time Club luncheon
  • Free services include: money orders, cashier's checks, gift cards, signature guarantees, notary services, Prime Time checks, O2 and MoneyPass® Network ATM withdrawals, 3 non-O2 ATM or non-MoneyPass® withdrawals per month (then $2 per withdrawal after that),** eStatements or paper statements with check images, O2 Online & Mobile Banking services, 24/7 account access by phone or Infoline, and O2 newsletter subscription and financial counseling session

Learn more or contact a personal banker 877-866-0202.

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*Rates may change after account is opened. Fees could reduce earnings. **While we won't charge you for foreign ATM transactions, the sponsoring bank may charge a fee.



Check Ordering

Click here to reorder checks (Deluxe). Watch the below video to learn more about our check security features coming July 28, 2014.