The Regular Business Checking account is designed for businesses that have high activity in their accounts to take advantage of the earnings credit allowance that can partially or completely offset the monthly maintenance fee and other charges.

Regular Business Checking

This account is available to all businesses.

Earnings Credit

The Earnings Credit is a blended earnings rate determined by the average account balance levels. Earnings Credit rates are subject to change without notice.

The account Balance levels are based on the Average Balance and the tiers are:

$0-$49,999

$50,000-$99,999

$100,000+

Old Second Bancorp Fee(s)

• Minimum opening deposit: $100
• Monthly maintenance fee: $18.00
• Per check paid: $0.20 each
• Per deposit made: $0.75 each
• Per check deposited: $0.18 each
• Per ACH debit: $0.13 each
• Per ACH credit: $0.13 each
• Cash deposit per each $50: $0.05

Learn More

This account features competitively priced activity costs with a market rate earnings credit to reduce charges.

The Account Analysis is calculated monthly to help your cash management position. With the use of other company accounts or an affiliated company accounts may be combined for analysis to help offset fees that are incurred.

See our "Business Deposit Services" and "Terms and Conditions of Your Account" brochures for additional information and fees.