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:
  • 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. 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 the account maintains a total average deposit balance of $20,000 or more in combined deposit and time accounts during the statement cycle.

BENEFITS:
  • 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. 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 combined deposit and time accounts during the statement cycle, or has a direct deposit to the account during the same cycle.

BENEFITS:
  • 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 CHECKING

If you have at least one joint owner that is a Prime Time Club member (see Prime Time brochure for qualifications), then you qualify for Prime Time Checking. The minimum opening balance is $50. 

BENEFITS:
  • No monthly service fee
  • Earn interest on balances over $500*
  • O2 Debit Card
  • Free services include: Prime Time checks or partial discount for non-Prime Time checkins,, 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)

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.