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

Old Second PREMIER PLUS CHECKING

0.05%APY · as of Oct 10, 2026

A year for an everyday customer: −$204 fees and interest, $2,000 kept
Monthly fee: $17 a month
To open: $5,000 to open
On our list: #886 of 986 checking accounts, by a year’s value for an everyday customer

Visit Old SecondThe bank’s own page · checked Oct 10, 2026

Rates by balance

Balance	APY
$5,000 and up	0.02%
$10,000 and up	0.02%
$25,000 and up	0.02%
$50,000 and up	0.05%

Source: the bank’s rates · as of Oct 10, 2026

Rate conditions

Balance needed for the APY: $5,000Source · checked Oct 10, 2026
To earn the APY: A balance of $5,000 in the account each day to obtain the disclosed annual percentage yield.Source · checked Oct 10, 2026
Interest compounds: monthlySource · checked Oct 10, 2026

Fees

Monthly fee: $17 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
the average daily balance in the account falls below $5,000 during the statement cycle
the primary owner on the account maintains a total average deposit balance of $20,000 or more in their combined deposit and time accounts during the statement cycle
For accounts with a primary owner who is 65+ in age, the account service charge will be waived.
Source · checked Oct 10, 2026
Minimum to open: $5,000Source · 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

Features

Bill payBudgeting toolsCheck writingDebit cardInterest bearingMobile check depositOnline openingSpending alerts

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

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees