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.

OPEN AN ACCOUNT ONLINE

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.

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. 

BENEFITS:
  • Unlimited withdrawals or debits
  • Free services include: ATM withdrawals at O2 and Allpoint® Network ATMs and 24/7 account access by phone or Infoline (1-888-892-6565)
See the rates or open now
 

Premium Checking Tools

With higher balances and more demands on your money, consider taking a different approach to checking. Paper statement fee does not apply if primary account holder is 65 or better. 

PREMIER PLUS CHECKING

An account suited for those with higher balances looking for tiered interest returns. $5,000 minimum opening deposit. eStatements are free. $17 monthly fee unless average balance is $5,000+ or $20,000+ total balance in combined deposit accounts.

BENEFITS:
  • Unlimited withdrawals or debits
  • Tiered interests rates: $5,000-9,999; $10,000-24,999; $25,000-49,999; $50,000+
  • 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.
See the rates or open now

CONVENIENCE PLUS CHECKING

An account for those who need greater flexibility regarding their withdrawal options. The minimum opening deposit 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. $3.95 monthly fee for paper statements.

BENEFITS:
  • Unlimited withdrawals or debits
  • Free services include: ATM withdrawals at O2 and Allpoint® Network ATM, 3 non-O2 ATMs or non-Allpoint® ATM withdrawals per month (then $2 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.
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.

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. Paper statement fee does not apply if primary account holder is 65 or better. 

BENEFITS:
  • No monthly service fee
  • Earn interest on balances over $500*
  • 25% discount on safety deposit services
  • O2 Debit Card
  • 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 Allpoint® Network ATM withdrawals, 3 non-O2 ATM or non-Allpoint® withdrawals per month (then $2 per withdrawal after that)1, eStatements or paper statements with check images, O2 Online & Mobile Banking services, 24/7 account access by phone or Infoline (1-888-892-6565), 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.



Checking Navigator

Want to do a better job of managing your account to avoid overdraft fees? Take advantage of our online financial education program, Checking Navigator.


1Surcharges from the operator of the machine and/or by an automated transfer network may apply.
Allpoint® is a registered trademark of Cardtronics plc and its subsidiaries.