Old Second National Bank O2 Checking $150 Bonus

1. 1

   Open O2 Checking with code PK2

   Open a new Old Second personal checking account online with promo code PK2, or open in a branch and mention the ad. It takes a $50 minimum opening deposit and must carry a positive balance on day 90.

2. 2

   Activate the debit card

   The primary owner must apply for, be issued, and activate a debit card tied to the checking account within 90 calendar days of opening.

3. 3

   Enroll in eStatements

   Enroll in eStatements within 90 calendar days of account opening and stay enrolled through day 90.

4. 4

   Two direct deposits totaling $500

   Receive two or more direct deposits totaling at least $500 within 90 calendar days of account opening. Old Second counts any electronic deposit from a government agency, an employer, or another third-party organization, and excludes teller, ATM, mobile, and remote deposits as well as transfers between Old Second accounts.

Old Second reviews the relationship on the 90th calendar day after opening and credits the bonus within 10 days of that review, so the money arrives by day 100.

Account Details

Eligibility

Tips & Gotchas

• →Use promo code PK2 in the online application. Opening without it does not attach the bonus.
• →This is $50 for opening plus activating the debit card and eStatements, and another $100 once the two direct deposits land. Both parts have day-90 deadlines.
• →The bank advertises up to $300. The extra $150 needs a Money Builder Savings account opened with $1,000 and built to a $5,000 balance by day 90, so we list the $150 you can earn without tying up capital.
• →The direct deposit definition is broad. Old Second counts any electronic deposit from an employer, a government agency, or another third-party organization, but not transfers between your own Old Second accounts and not mobile or ATM deposits.
• →Closing the account within 180 days can cost you $50 and forfeit the bonus, so leave it open past the payout.
• →You are excluded if you had an Old Second personal checking account in the past 12 months or received one of their checking bonuses in the past 24 months.
• →This is Old Second National Bank in Illinois, not Old National Bank, which is a different institution also listed on this site.

Can You Earn This Bonus Again?

Fine Print

Open a new Old Second personal checking account during the promotion period with offer code PK2. To receive the first $50, the primary owner must apply for, be issued, and activate a debit card tied to the account within 90 calendar days and enroll in eStatements within 90 calendar days. To receive the additional $100, two or more direct deposits totaling at least $500 must be received within 90 calendar days of account opening; a direct deposit is any payment made by a government agency, employer, or other third-party organization via electronic deposit, and does not include teller, ATM, mobile, or remote deposits or transfers between accounts at Old Second National Bank. A further $150 is available for opening a Money Builder Savings account with a $1,000 minimum deposit and reaching a $5,000 balance on the 90th calendar day. The account must have a positive balance, an active debit card, and eStatements on the 90th calendar day. Not eligible if the primary account holder currently has an Old Second personal checking account, had one open in the 12 months prior, or received a personal-checking-related bonus in the previous 24 months. Business, EIN trust, Health Savings, and estate accounts are excluded. Accounts closed within 180 calendar days of opening may be charged $50 and may forfeit any cash bonus earned. Bonuses are credited within 10 calendar days of the day-90 review and paid by the 100th calendar day. Offer expires December 31, 2026. Verified on oldsecond.com 2026-08-04.

Taxable income · Reported on 1099-INT

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