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Old Second National Bank is a community-focused bank operating for over 150 years, offering checking, savings, home loans, and commercial banking services.
Data compiled from public sources
Old Second National Bank was founded in 1871 and has spent more than 150 years building its reputation as a community-focused financial institution. The bank emphasizes customer relationships and local economic development as core to its mission, with a tagline positioning customers as the bank's priority. Recently, the institution completed the integration of Evergreen Bank, expanding its service offerings and market presence.
Old Second offers a comprehensive range of traditional banking products and services including checking accounts, savings accounts, Certificates of Deposit (CDs), home loans, commercial banking, and digital banking tools. The bank provides a debit MasterCard (O2 Debit MasterCard) that can be loaded into popular digital wallets for contactless payments and mobile transactions. They currently promote 6-month, 8-month, and 11-month CDs with a $1,000 minimum deposit requirement and have promotional offers such as up to $300 for new account openings.
Old Second differentiates itself through its emphasis on community involvement and personalized service. The bank markets itself as customer-first, designing products with individual needs in mind rather than one-size-fits-all solutions. They maintain physical branch locations and provide investor relations and career opportunities, suggesting a substantial institutional presence.
The recent Evergreen Bank integration indicates ongoing expansion and modernization efforts. As a traditional regional bank, Old Second serves customers seeking stable, established financial institutions with community ties. However, prospective customers should note that specific information about interest rates, fees, APY rates (beyond promotional CD offerings), credit product availability, and loan terms is limited on the public website.
The bank also has standard data collection practices via cookies and online identifiers, which customers can opt out of. Customers should contact the bank directly for detailed product terms, eligibility requirements, and competitive rate comparisons.
This is state-level context for Banks consumers in Aurora, IL. It does not confirm that Old Second National Bank or this specific location is licensed.
State regulator
Illinois Department of Financial and Professional Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Old Second National Bank processed 1,001 mortgage applications in 2023, with 86.5% recorded as approved across 12 states.
1,001
Applications
86.5%
Approval Rate
$222K
Avg Loan
12
States Served
Based on 1,001 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Old Second National Bank offers 12 services including Checking accounts, Savings accounts, Certificates of Deposit (6, 8, and 11-month terms), Home loans and mortgage services, Commercial banking services, and 7 more.
Old Second National Bank has profile signals associated with Customers seeking community-focused banking with local branch relationships and personalized service, Small business owners and commercial customers needing relationship-based banking services, Homebuyers looking for mortgage products from an established regional bank, Consumers comfortable with traditional banking who value institutional stability and 150+ year track record.
Key strengths: Over 150 years of established banking history and reputation; Digital wallet integration with O2 Debit MasterCard for modern payment convenience; Multiple account types including checking, savings, and CDs with low $1,000 minimum for CD opening. Areas to consider: Limited transparency on website regarding specific interest rates, APYs, and fee structures beyond promotional offers; No information provided about credit card products, personal loan options, or other consumer credit services.
In the Banks category, comparable providers include 1Nb Bank, 1st Community Bank, American Metro Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Old Second National Bank is profile signals for established customers seeking traditional banking services from a community-focused regional bank with deep historical roots and relationship-based service. Primary caveat: the public website provides limited pricing and product detail information, requiring direct contact with the bank to compare rates, fees, and full product eligibility requirements against competitors.
1NB Bank is a regional community bank operating multiple branches in Illinois, offering checking, savings, loans, and debit card services with emphasis on local presence and security.
Profile signals: Customers in central Illinois seeking traditional banking with local branch relationships, Small business owners needing commercial banking services with direct bank relationships
Community bank chartered in 1920 offering FDIC-insured deposit accounts, loans, and mortgage services with local decision-making and personalized service.
Profile signals: Farmers and agricultural businesses needing listed farm financing, credit lines, and equipment loans, Small business owners in the bank's service communities seeking local decision-making on commercial loans
FDIC-insured community bank offering personal and business checking, savings, CDs, mortgages, loans, and debit card services with ATM access.
Profile signals: Small business owners seeking local relationship banking and commercial lending, Customers prioritizing FDIC insurance and traditional brick-and-mortar banking with branch access
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