Old Second Bancorp Banks are committed to providing their business customers with more than "just a checking account." That is why we offer the "Optimum Investment Account." You must have a Business Operating Account under normal terms (see Business Disclosure).

Optimum Investment Account

This account is available to all businesses that have a Regular Business Checking Account.

• FDIC insured up to $100,000
• Minimum opening deposit $10,000.00
• Average daily balance to avoid service fee $2,000.00
• Withdrawals / Debits: You are allowed six (6) transfers per statement cycle of which no more than three (3) can be third party checks
• Variable market rates are subject to change without notice and depend on the balance in the account

Tiered Rate Structure to Help You Earn More**

• Tier 1 $10,000 - $24,999
• Tier 2 $25,000 - $49,999
• Tier 3 $50,000 - $99,999
• Tier 4 $100,000 - $499,999
• Tier 5 $500,000 - $999,999
• Tier 6 $1,000,000+

Fees

• Monthly fee if fall below minimum: $12.00 if the average daily balance drops below $2,000
• Excess debit fee: $12.00 each
• First 25 credits (deposits) are free. Per credit after 25: $0.50 each
• First 25 items deposited are free. Per item deposited after 25: $0.15 each
• Each $50 cash unit deposited: $0.08

Learn More

**Contact your Old Second Bancorp Bank's Cash Management Specialist or an Old Second Bancorp Commercial Loan Officer for more details.

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