APY
0.05%
As of Nov 8, 2026. Rates are variable.
Old Second National Bank · Checking account
Old Second PREMIER PLUS CHECKING
−$204 a year for an everyday customer. $17 a month. $5,000 to open.
- A year, everyday customer
- −$204
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer document · oldsecond.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · oldsecond.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · oldsecond.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#943of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Budgeting tools
- Debit card
- Interest bearing
- Mobile check deposit
- Online opening
- Spending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $5,000 and up
- 0.02%
- $10,000 and up
- 0.02%
- $25,000 and up
- 0.02%
- $50,000 and up
- 0.05%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $5,000oldsecond.com, checked Nov 8, 2026
- To earn the APY
- A balance of $5,000 in the account each day to obtain the disclosed annual percentage yield.oldsecond.com, checked Nov 8, 2026
- Interest compounds
- monthlyoldsecond.com, checked Nov 8, 2026
Fees
- Monthly fee
- $17 a montholdsecond.com, checked Nov 8, 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.
- Minimum to open
- $5,000oldsecond.com, checked Nov 8, 2026
- Overdraft fee
- $36oldsecond.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $36oldsecond.com, checked Nov 8, 2026
- Overdraft transfer fee
- Noneoldsecond.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 5oldsecond.com, checked Nov 8, 2026
- ATM network
- Allpoint® ATM withdrawals are freeoldsecond.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2.50oldsecond.com, checked Nov 8, 2026
- Incoming domestic wire
- $15oldsecond.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30oldsecond.com, checked Nov 8, 2026
- Incoming international wire
- $15oldsecond.com, checked Nov 8, 2026
- Outgoing international wire
- $50oldsecond.com, checked Nov 8, 2026
- Paper statements
- $3.95 a montholdsecond.com, checked Nov 8, 2026
- Inactivity fee
- $5oldsecond.com, checked Nov 8, 2026
- Early closure fee
- $50oldsecond.com, checked Nov 8, 2026
- Cashier’s check
- $10oldsecond.com, checked Nov 8, 2026
- Stop payment
- $36oldsecond.com, checked Nov 8, 2026
- Card replacement
- $10oldsecond.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
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