Checking and Savings Special

*An account is not eligible to receive a cash bonus under this offer if 1) the primary account holder currently has an existing personal checking account (Basic Checking, Premier Plus Checking, Convenience Plus Checking, Employee N.O.W. and Prime Time Checking ("existing personal checking account") at Old Second National Bank, 2) has had an existing personal checking account open in the 12 months prior to the date of account opening, or 3) the primary account holder has received a personal checking account-related bonus in the twenty-four months prior to the date of account opening.

The bonuses described in this ad are limited per primary account holder, regardless of the number of accounts opened. The new “personal checking account” (O2 Checking, Premier Plus Checking, Convenience Plus Checking, Military Checking, Employee N.O.W. and Prime Time Checking) must be opened during the promotion period with the code, must have a positive balance ($.01 or greater), an active debit card for the primary owner, and e-statements on the 90th calendar day from the date the new personal checking account was opened in accordance with the bank’s procedures.

Offers are only available on personal checking accounts and the Money Builder Savings; business accounts, trust accounts with EINs, Health Savings Accounts, and estate accounts are excluded from this offer.

To receive the first $50 cash bonus, 1) provide the offer code and open a new personal checking account, subject to approval, 2) the primary owner must apply for, be issued, and activate a debit card tied to the personal checking account within 90 calendar days of account opening and 3) enroll in e-Statements within 90 calendar days of account opening. 

To receive $100 cash bonus, 1) you must first meet the requirements of the first $50 cash bonus, 2) and two or more direct deposits totaling at least $500 must be received in the personal checking account within 90 calendar days of account opening. For purposes of this bonus offer, a direct deposit is defined as any payment made by a government agency, employer, or other third-party organization that is made via an electronic deposit. A direct deposit does not include teller, ATM, mobile, remote deposits, or transfers between accounts at Old Second National Bank.

To receive the $150 cash bonus, 1) you must first meet the requirements of the first $50 cash bonus; 2) open a Money Builder Savings account, which requires a minimum opening deposit of $1,000; and 3) you have built your savings by depositing funds in the minimum amounts described as follows; if your deposited funds result in a positive balance in your account that totals an amount that is at least equal to or greater than $5,000 on the 90th calendar day from the date you opened the new personal checking account. You will receive any cash bonuses for which you qualified by the 100th calendar day following the date you opened the personal checking account.

Offer expires September 30, 2025. $50 minimum deposit required to open all personal checking accounts, except Premier Plus, which requires $5,000 to open. Premier Plus and Prime Time personal checking accounts earn interest. Prime Time earns interest on balances at or over $500 at .02% Annual Percentage Yield (APY). The Premier Plus account has tiered interest rates. For balances of $5,000-$9,999.99 the APY is .02%; for balances of $10,000-$24,999.99, the APY is .02%; for balances of $25,000-$49,999.99, the APY is .02%; and for balances of $50,000 or more, the APY is .05%. The Money Builder Savings account, which requires $1,000 to open, has tiered interest rates. For balances of $1,000-$9,999.99 the APY is .02%; for balances of $10,000-$24,999.99, the APY is .02%; for balances of $25,000-$49,999.99, the APY is .02%; and for balances of $50,000 or more, the APY is .05%. To earn the $150 bonus, you must deposit $5,000 into the Money Builder Savings account by the 90th calendar day from the date the new personal checking account was opened. APYs are accurate as of 12/12/2024 and may change at any time. Specials and introductory rates may impact the APYs disclosed. Accounts closed within 180 calendar days of new personal checking account opening may be charged $50 and may forfeit any cash bonus earned. Fees may reduce earnings. On the 90th calendar day following the opening of the new personal checking account, the relationship will be reviewed to determine if activity met offer requirements. If requirements are met, the cash bonuses will be credited to the new personal checking account within 10 calendar days. Cash bonuses may be subject to 1099 reporting. This Bonus is subject to change at any time. “O2” and “Old Second” each refer to Old Second National Bank.