Old Second National BankSavings accountChecked Oct 10, 2026Updated
Old Second MONEY BUILDER SAVINGS
- A year on $10,000
- $2 after fees
- Monthly fee
- $15 a month
- To open
- $1,000 to open
- On our list
- #79 of 234 savings accounts, by a year’s value on $10,000
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.02% | $0 |
| $5,000 | 0.02% | $1 |
| $10,000 | 0.02% | $2 |
| $25,000 | 0.02% | $5 |
| $50,000 | 0.05% | $25 |
| $100,000 | 0.05% | $50 |
Rates by balance
| Balance | APY |
|---|---|
| $1,000 to $9,999.99 | 0.02% |
| $10,000 to $24,999.99 | 0.02% |
| $25,000 to $49,999.99 | 0.02% |
| $50,000 and up | 0.05% |
Source: the bank’s rates · as of Oct 10, 2026
Bonuses
$150For new customers · ends December 31, 2026
Meet the requirements for the first $50 checking bonus, open a Money Builder Savings account with a minimum opening deposit of $1,000, and deposit $5,000 into the savings account so the balance is at least $5,000 on the 90th calendar day from the date the new personal checking account was opened.
Rate conditions
Fees
- Monthly fee
- $15 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- if the balance in the account falls below $1,000 on any day of the monthSource · checked Oct 10, 2026
- Minimum to open
- $1,000Source · 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
- 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
Interest bearing
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