Old Second National BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

Old Second O2 CHECKING

0.00%APY · as of Oct 10, 2026

A year for an everyday customer: $0 fees and interest, $2,000 kept
Monthly fee: No monthly fee
To open: $50 to open
On our list: #71 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: NoneSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
This fee does not apply to customers who receive an electronic checking statement (eStatement)
if primary account owner is 65+ in age
Source · checked Oct 10, 2026
Minimum to open: $50Source · checked Oct 10, 2026
Overdraft fee: $36Source · checked Oct 10, 2026
Returned item (NSF) fee: $36Source · checked Oct 10, 2026
Overdraft transfer fee: NoneSource · checked Oct 10, 2026
Most overdraft fees in a day: 5Source · checked Oct 10, 2026
ATM network: Allpoint® ATM withdrawals are freeSource · checked Oct 10, 2026
Out-of-network ATM fee: $2.50Source · checked Oct 10, 2026
Incoming domestic wire: $15Source · checked Oct 10, 2026
Outgoing domestic wire: $30Source · checked Oct 10, 2026
Incoming international wire: $15Source · checked Oct 10, 2026
Outgoing international wire: $50Source · checked Oct 10, 2026
Paper statements: $3.95 a monthSource · checked Oct 10, 2026
Inactivity fee: $5Source · checked Oct 10, 2026
Early closure fee: $50Source · checked Oct 10, 2026
Cashier’s check: $10Source · checked Oct 10, 2026
Stop payment: $36Source · checked Oct 10, 2026
Card replacement: $10Source · checked Oct 10, 2026

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From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

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