Old Second

 
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Checking

STOP thinking of it as just another checking account. START banking on it as a reward for your relationship. When you link your accounts through Money Connection, you gain access to a variety of additional benefits—higher rates of interest, overdraft sweeps and more.

Want to make checking deposits using your own flatbed scanner? Learn more about O2 Deposit Scan.

CHECKING OPTIONS

For full account and fee disclosures, please visit one of our convenient branches or contact us.

  • Free Checking

    A great account for anyone, with no minimum balance requirement or monthly maintenance fees.

    • $50 minimum opening balance.
    • No monthly fees nor minimum balance if enrolled in eStatements within 60 days of account opening.
    • Unlimited withdrawals/debits.
    • FREE O2 Online & Mobile Banking services.
    • O2 Debit Card and auto enroll in O2 Debit Rewards Program with Swype Offers.
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo. FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule).
    • No paper statements. Must sign up for eStatements within 60 days of account opening or move to Basic Checking.
    • FREE 24/7 account access by phone through Infoline.
    • Relationship rates may be available on other products.
  • Convenience Plus Checking

    Greater withdrawal options.

    • Minimum opening balance of $50 required; $5.95 monthly fee or monthly direct deposit or $1,000 average balance or $5,000 total balance in combination of deposit accounts.
    • Unlimited withdrawals/debits.
    • 3 FREE* non-O2 ATM withdrawals per month (then $2 per withdrawal)
    • FREE O2 Online & Mobile Banking services.
    • O2 Debit Card with access to O2 Debit Rewards Program.
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo. FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule).
    • FREE eStatements with check images or truncated paper statements.
    • FREE 24/7 account access by phone through Infoline.
    • Relationship rates may be available on other products.
    • Rates may change after account is opened.  Fees could reduce earnings.
  • Premier Plus Checking

    O2 doesn’t just offer you checking with interest, but checking with an interest rate that is linked to your balances—the higher your balances, the higher the rate of interest you earn.

    • Minimum opening balance of $5,000 required; $17 monthly fee or average balance of $5,000 or $20,000 total balance in combination of deposit accounts. $5,000 minimum balance to earn interest.
    • Tiered interest rates:
      • $5,000 - $9,999
      • $10,000 - $24,999
      • $25,000 - $49,999
      • $50,000 and over
    • FREE O2 Online & Mobile Banking services.
    • O2 Debit Card with access to O2 Debit Rewards Program and unlimited MoneyPass® Network ATM transactions.
    • Unlimited FREE* withdrawals from foreign (non-O2) ATMs
    • FREE ATM balance inquiry.
    • Free eStatements or paper with check images.
    • Relationship rates may be available on other products.
    • Rates may change after account is opened.  Fees could reduce earnings.


    *While you won’t be charged for foreign ATM transactions by Old Second, the sponsoring bank may charge a fee

  • Prime Time Club Checking

    The Prime Time Club is open to customers who are at least 55 years old and have combined balances of $10,000 or more in their Old Second Bank or Wealth Management accounts.

    • Minimum opening deposit of $50; For those 55 years or better + with $10,000 min in combined O2 Bank or Wealth Management accounts.
    • NO monthly service fee.
    • Earns interest on balances over $500.
    • FREE services include: money orders, cashier’s checks, gift cards, signature guarantees, and notary services.
    • Discounted travelers checks.
    • Safety deposit box services are offered at a 25% discount.
    • FREE Prime Time checks.
    • FREE O2 Online & Mobile Banking services.
    • O2 Debit Card with access to O2 Debit Rewards Program and unlimited MoneyPass® Network ATM transactions.
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo. FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule). 3 FREE* non-O2 ATM withdrawals per month (then $2 per withdrawal).
    • Free eStatements or paper with check images.
    • FREE 24/7 account access by phone through Infoline.
    • FREE O2 newsletter subscription and financial counseling session.
    • Invitation to annual Prime Time Club luncheon.
    • Relationship rates may be available on other products.
    • Rates may change after account is opened.  Fees could reduce earnings.
    *While you won’t be charged for foreign ATM transactions by Old Second, the sponsoring bank may charge a fee
  • Money Connection

    Making the connection is simple. Choose the Old Second Checking Account that best meets your needs. Then link that account to either an O2 Money Manager Money Market account or an O2 Money Builder Savings account and start banking where, when and how you want.

    • Access to Money Connection Overdraft Sweep which will automatically transfer funds from savings to checking for a $10 fee, saving you from a $33 overdraft fee.
    • Earn reward points with the O2 Debit Rewards program, redeemable for merchandise, shopping, dining and travel when you make purchases with your Money Connection Debit Card.
    • FREE O2 Online & Mobile Banking services.
    • Receive one consolidated statement each month.
    • Gain the added convenience offered by Money Connection Prepaid Reloadable Cards.
    • FREE eStatements.
    • FREE 24/7 account access by phone through Infoline.
  • College Checking

    A great account for college students looking to save with no minimum balance requirement or monthly maintenance fees.

    • $50 minimum opening balance.
    • No monthly fees nor minimum balance if enrolled in eStatements within 60 days of account opening.
    • Unlimited withdrawals/debits.
    • FREE O2 Online & Mobile Banking services.
    • O2 Debit Card and auto enroll in O2 Debit Rewards Program with Swype Offers.
    • FREE ATM withdrawals at O2 ATMs with the Old Second logo. FREE MoneyPass® Network ATM withdrawals––no third party surcharge (for other related fees, ask for a current fee schedule).
    • No paper statements. Must sign up for eStatements within 60 days of account opening or move to Basic Checking.
    • FREE 24/7 account access by phone through Infoline.
    • Relationship rates may be available on other products.
  • Checking Navigator

    This online program will provide you with some general information to help you understand better how checking accounts work, how to better manage a checking account and how to avoid overdraft fees.  Click Here to get started.