Old Second National Bank $150 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $500 in qualifying direct deposits
- Deposit window: 90 days
- Enter promo code DG2 when you apply
- Availability: IL
- No stated lifetime limit
- ChexSystems sensitivity: Unknown
- Early closure fee: $50
- Bonus posts: ~100 days
- Account hold: Must keep open 180 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Three stacked bonuses with promo code DG2, not a single DD bonus: $50 for opening a personal checking, activating a debit card, and enrolling in e-Statements within 90 days; $100 more for two or more direct deposits totaling $500+ within 90 days; the final $150 requires opening a Money Builder Savings ($1,000 minimum)... Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Old Second National Bank is currently offering a $150 checking bonus. The core requirement is $500 in qualifying direct deposits within 90 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Enter promo code DG2 during application. Receive $500+ in direct deposits within 90 days. Allow approximately 100 days for the bonus to post after qualification. Keep the account open for at least 180 days.
How This Compares to Other Bonuses
Old Second National Bank's $150 offer is closest in headline value to Varo Bank's $150 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Old Second National Bank checking bonus?
Old Second National Bank currently advertises $150. The principal requirement is $500 in qualifying direct deposits within 90 days.
Does the Old Second National Bank bonus require direct deposit?
Yes. The catalog currently records $500 in qualifying direct deposits within 90 days. Confirm the bank's exact definition before applying.
When should the Old Second National Bank bonus post?
The tracked estimate is about 100 days after you satisfy the requirements.
Full Requirements
Three stacked bonuses with promo code DG2, not a single DD bonus: $50 for opening a personal checking, activating a debit card, and enrolling in e-Statements within 90 days; $100 more for two or more direct deposits totaling $500+ within 90 days; the final $150 requires opening a Money Builder Savings ($1,000 minimum) and holding a $5,000+ balance in it at day 90. Apply online.
Fees
No monthly fee on eligible checking.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
Old Second National Bank (Chicago suburbs, IL). Only $150 of the advertised $300 comes from checking activity: $50 for opening with the debit card and e-Statements, plus $100 for the direct deposits. The last $150 effectively parks $5,000 in a Money Builder Savings account for 90 days (h/t reader David M. in the comments). You are not eligible if you hold an Old Second personal checking account now, held one in the prior 12 months, or were paid any Old Second personal checking bonus in the prior 24 months. Direct deposits must be electronic payments from a government agency, employer or other third party; teller, ATM, mobile, remote deposits and transfers between Old Second accounts do not count. Whatever you qualify for is credited by the 100th day. Closing within 180 days can cost $50 and forfeit the bonus. Expires 12/31/2026.
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Sources (1)
We last checked this against the bank's page on September 8, 2026.
Historical Promotions
This product has offered $300 before (ended ~2026-05-27) — the current $150 is below its historical high.
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What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.