Sign on to better checking.
The Basics
Sometimes, a straightforward approach is the best approach. That’s why we offer 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.
O2 CHECKING
A great choice for anyone. $50 minimum opening deposit. No required minimum balance. eStatements are free. $3.95 monthly paper statement fee. Paper statement fee does not apply if primary account holder is 65 or better.
- Free services include: ATM withdrawals at O2 and Allpoint® Network ATMs and 24/7 account access by phone or Infoline (1-888-892-6565)
STUDENT BANKING*
Our Student Banking Account is a great way for teens ages 13-17 to kick-start their financial independence while adults maintain full control to help guide them along. $10 minimum opening deposit. No required minimum balance. eStatements are free**. Non-interest bearing. Debit card access limit is $300 daily for point of sale/debit and cash withdrawal. Services not included: online bill pay, wire transers, overdraft services, and Zelle®.
To learn about healthy financial habits, check out Money Smart News from the FDIC.
- Free ATM withdrawals*** at O2 and Allpoint® Network ATMs and 24/7 account access by phone or Infoline (1-888-892-6565)
- Free eStatements**
- Peace of mind to monitor account activity on our O2 Digital app and set text or email alerts to keep track of teens' spending.
- Contactless debit card - tap to pay with your card or add it to your digital wallet.
Start Calculating
Ever find yourself needing to compile a budget? Trying to figure out what kind of car or home you can afford? How about planning for retirement? You can calculate these and more with Old Second's free online financial calculators. Click to try our calculators.
Home Equity
Make home improvements, a large purchase, and more with help from a home equity loan. Learn more.
PREMIER PLUS CHECKING
$5,000 minimum opening deposit. A $17 service charge will be imposed each month unless this account maintains an average daily balance of $5,000 during the statement cycle, or the primary owner on this account maintains a total average deposit balance of $20,000 or more in your combined deposit and time accounts during the statement cycle. For accounts with a primary owner who is 65+ in age, this account service charge will be waived.
- Free services include: ATM balance inquiries, ATM withdrawals at any ATM including O2 and Allpoint® Network ATM and 24/7 account access by phone or Infoline (1-888-892-6565), O2 Online & Mobile banking services, O2 Debit Card, eStatements with check images or paper statements.
CONVENIENCE PLUS CHECKING
$50 minimum opening deposit. A $5.95 service charge will be imposed each month unless this account maintains an average daily balance of $1,000 during the statement cycle, or the primary owner on this account maintains a total average deposit balance of $5,000 or more in your combined deposit and time accounts with us during the statement cycle, or you have a Direct Deposit to this account during the statement cycle. For accounts with a primary owner who is 65+ in age, this account service charge will be waived. $3.95 monthly paper statement fee. Paper statement fee does not apply if primary account holder is 65+ in age.
- Free services include: ATM withdrawals at O2 and Allpoint® Network ATM, 3 non-O2 ATMs or non-Allpoint® ATM withdrawals per month (then $2.50 per withdrawal after that)1, 24/7 account access by phone or Infoline (1-888-892-6565), O2 Online & Mobile banking services, O2 Debit Card, eStatements with check images.
Card Services
Whether you're looking for debit, credit, or prepaid cards, Old Second's card services has you covered. Learn more.
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.
PRIME TIME CHECKING
If you have at least one joint owner that is a Prime Time Club member, then you qualify for Prime Time Checking. The minimum opening balance is $50.
- No monthly service fee
- Earn interest on balances over $500.00*
- O2 Debit Card
- Free services include: Prime Time checks or partial discount for non-Prime Time checks, O2 and Allpoint® Network ATM withdrawals, 3 non-O2 ATM or non-Allpoint® withdrawals per month (then $2.50 per withdrawal after that)**, eStatements or paper statements with check images, O2 Online & Mobile Banking services, 24/7 account access by phone or Infoline (1-888-892-6565)
Learn more or contact a personal banker 1-877-866-0202.
*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.
Educational Resources
Consumer Financial Protection Bureau (CFPB) - Consumer guide to managing your checking account (PDF)
Consumer Action - The right overdraft protection plan (PDF)
Additional search terms: order checks