APY
0.02%
As of Nov 1, 2026. Rates are variable.
Old Second National Bank · Checking account
Old Second PRIME TIME CHECKING
$0 a year for an everyday customer. No monthly fee. $50 to open.
- A year, everyday customer
- $0
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer's page · oldsecond.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer's page · oldsecond.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · oldsecond.com
The source states this figure; we have no exact sentence on file yet.
Features
- Bill pay
- Budgeting tools
- Debit card
- Free checks
- 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.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $500oldsecond.com, checked Nov 1, 2026
- To earn the APY
- balances at or over $500oldsecond.com, checked Nov 1, 2026
- Interest compounds
- monthlyoldsecond.com, checked Nov 1, 2026
Fees
- Monthly fee
- Noneoldsecond.com, checked Nov 1, 2026
- Ways to avoid the monthly fee
- 55 years + with $10,000 min in combined O2 Bank or Wealth Management accountsoldsecond.com, checked Nov 1, 2026
- Minimum to open
- $50oldsecond.com, checked Nov 1, 2026
- Overdraft fee
- $36oldsecond.com, checked Nov 1, 2026
- Returned item (NSF) fee
- $36oldsecond.com, checked Nov 1, 2026
- Overdraft transfer fee
- Noneoldsecond.com, checked Nov 1, 2026
- Most overdraft fees in a day
- 5oldsecond.com, checked Nov 1, 2026
- ATM network
- Old Second ATMs with O2 logo and Allpoint® ATMsoldsecond.com, checked Nov 1, 2026
- Out-of-network ATM fee
- $2.50oldsecond.com, checked Nov 1, 2026
- Incoming domestic wire
- $15oldsecond.com, checked Nov 1, 2026
- Outgoing domestic wire
- $30oldsecond.com, checked Nov 1, 2026
- Incoming international wire
- $15oldsecond.com, checked Nov 1, 2026
- Outgoing international wire
- $50oldsecond.com, checked Nov 1, 2026
- Paper statements
- $3.95 a montholdsecond.com, checked Nov 1, 2026
- Inactivity fee
- $5oldsecond.com, checked Nov 1, 2026
- Early closure fee
- $50oldsecond.com, checked Nov 1, 2026
- Cashier’s check
- $10oldsecond.com, checked Nov 1, 2026
- Stop payment
- $36oldsecond.com, checked Nov 1, 2026
- Card replacement
- $10oldsecond.com, checked Nov 1, 2026
Who can open it
- Minimum age
- 55oldsecond.com, checked Nov 1, 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