Old Second REGULAR SAVINGS

$2 a year on $10,000 at today’s 0.02% APY. $5 a month. $250 to open.

Checked Nov 1, 2026Updated Oct 22, 2026

A year on $10,000

APY on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Against the market

#211of 270 savings accounts, by a year’s value on $10,000

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

Monthly fee: $5 a montholdsecond.com, checked Nov 1, 2026
Ways to avoid the monthly fee: if the balance in the account falls below $250 any day of the montholdsecond.com, checked Nov 1, 2026
Minimum to open: $250oldsecond.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
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

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

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