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• Business Checking - For larger businesses and non-profits with heavy transaction volumes and sophisticated treasury needs. Tiered earnings credit.
• Interest Business Checking - For corporations seeking interest on their operating accounts.
• Public Funds NOW - For municipal and public fund entities with heavy transaction volumes and sophisticated treasury needs. Tiered earnings credit and interest.
• Public Funds Analysis - For municipal and public fund entities with heavy transaction volumes and sophisticated treasury needs. Tiered earnings credit.

Ideal for small businesses, sole proprietors, partnerships, small incorporated non-profits that have low monthly transaction volumes.

Ideal for small businesses, sole proprietors, partnerships, small incorporated non-profits that have low to medium monthly transaction volumes and some need for treasury management or other services.

Ideal for small businesses, sole proprietors, partnerships, small incorporated non-profits who need smaller minimum balances and that have low to medium monthly transaction volumes and some need for treasury management or other services.

A pooled interest business checking account for the deposit of client funds which pays quarterly interest to the Lawyers Trust Fund.

Ideal for small businesses, sole proprietors, partnerships, small incorporated non-profits looking to accumulate savings with tiered interest.

This account automatically transfers amounts that exceed, or fall short of, a certain level into a higher interest-earning investment option at the close of each business day. Types include:

• Investment Sweep
• Repurchase Agreement Sweep
• Line of Credit Sweep

Automate payments while limiting excess balances. It allows your business to utilize excess funds instead of leaving them idle.

Send documents, securely and quickly, and electronically.

Ask about the following and more options to streamline your business:

• Wealth Management Services - Employee Benefits and 401(k)
• Personal Checking - Variety of checking account options for business owners and employees
• Health Savings Account (HSA) - A tax-advantaged way for business owners and employees to pay for medical expenses—current and future—while earning interest

Old Second initiates ACH transactions, such as direct deposits, direct payments or tax payments, as well as rent collections and recurring premiums, using the ACH Network. Conveniently control and track your ACH transactions online.

With Old Second’s Remote Deposit Capture, you’ll be able to deposit receivable checks direct to your account without making trips to the bank. Your business receives a special check scanner, software, and training for your staff. Once O2 Remote Deposit Capture is set up, you can personally transmit deposits electronically through a secure internet connection. You’ll save time and travel expenses by avoiding multiple trips to the bank. And faster deposits means faster fund availability.

Use the camera on your own mobile device to capture incoming check payments. Includes free app. Just search for O2 Business Deposit in your app store.

With Old Second’s customized Lockbox Service, you can accelerate the collection of your business’s receivables which results in faster funds availability. Lockbox is an ideal solution for businesses that receive large volumes or large denominations of checks that need to be processed quickly and efficiently.

Directly exchange electronic documents with your business partners to enhance efficiency and accuracy.

Old Second’s Wire Transfer feature allows you to send and receive multiple wires associated with one or more accounts. You can also set up email notifications for incoming wire transfers and perform wire transfer approvals via mobile.

Initiate international transfers from O2 Online Banking in either a foreign amount or U.S. dollars.

International ACH is a cost-effective way to send funds overseas. Files are sent using NACHA SEC Code IAT (International ACH Transactions).

Old Second can empower your business to accept a variety of payment methods from your customers.

Utilize your existing mobile device to capture payments on site or on the go.

Controlled Disbursement is used to help regulate the flow of checks through your account by allowing only one daily processing window.

Old Second’s Wire Transfer feature allows you to set up and track multiple wires associated with one or more accounts.

Provide your employees an efficient, automated payroll deposit system.

Manage and archive your bill payments, set alerts, search, and more through O2 Online Banking.

Utilize Same-Day ACH and approve ACH batches via mobile.

• Corporate credit/debit cards
• Purchasing cards
• Payday cards
• Gift cards

Allows your company to upload a file of items to be paid via a secure SFTP (Secure File Transfer Protocol) connection. Once received, the file is validated and checks are printed and mailed on your behalf. Benefits Include:

• Outsource bookkeeping
• Eliminates in-house expenses
• Save time