• Initial deposit of $100 required to open
• No monthly service charge if minimum daily balance is $250 or more, or an average daily balance of $1,000 or more or $5,000 in combined deposits. If these minimum daily balances or average daily balances are not met, there is a monthly charge of $8.00.
• No limit to the number of checks that may be written per month and there are no charges per check written

See a Personal Banker for details.

We designed an account to help young adults handle their finances and provide peace of mind to parents.

Features and Benefits

• FREE Checking Account with no minimum balance and no monthly fee¹
• NO ANNUAL FEE ATM or MasterCard debit card²
• A network of surcharge-free ATMs in the Chicagoland area³
• NEW - our Family Card - a pre-paid debit card to help manage allowances and expenses
• FREE imaged checks with CheckManager Plus®
• FREE On-line Banking and Telebank
• FREE Bill Pay
• FREE Quicken and Microsoft Money download capabilities
• Initial deposit of $100 required to open.

See a Personal Banker for details.

¹ Penalty fees, such as overdraft charges , and fees for special services may apply. ²Subject to age and other qualifications. See bank for details. ³No transaction charge at any of our affiliated ATMs. Other banks may impose ATM surcharges at their machines.

Whether you've just moved to the area or are a longtime resident, the OP NOW Account™ offers a whole bundle of benefits that have no fees. You can utilize some or all of the following benefits:

• An interest bearing NOW Checking Account
• No monthly service charge and no minimum monthly balance¹
• FREE first order of specialty checks
• Checking, savings and CD balances go into one combined monthly statement
• NO ANNUAL FEE ATM or MasterCard Debit Card
• Free access to SUM and MoneyPass ATMs in the Chicagoland area
• NO ANNUAL FEE Credit Card²
• FREE 3" x 5" Safe Deposit Box for 1 Year⁴
• FREE imaged checks with CheckManager Plus®
• FREE on-line banking and telebanking
• FREE bill pay
• FREE Quicken and Microsoft Money download capabilities
• No FEE Traveler's Checks, Money Orders and Cashier's Checks
• NO ANNUAL FEE Overdraft Protection²
• 1/4% discount on installment loans with auto-debit
• A low rate Home Equity Line of Credit with no closing costs³

To take advantage of some or all of these benefits, all you have to do is open an OP NOW Account™ for $100.

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Overdraft protection also available.

¹ Penalty fees, such as overdraft charges, and fees for special services may apply. ² Subject to approval. ³ Please call the bank for disclosure on this product. ⁴ Or the equivalent toward a larger box.

Our PlatinumPreferred Account^® offers an attractive combination of products and services designed to meet the banking needs of those fifty and older.

Platinum Adventures®

Platinum Adventures^® is our travel and activities club, created especially for customers age 50+.  Click here for more information.

Features and Benefits of the account

• Interest bearing NOW checking with no minimum balance and no monthly fee¹
• Tiered account interest - the higher the balance, the higher the rate
• FREE Specialty Gray Checks²
• NO ANNUAL FEE MasterCard debit card 
• Free access to SUM and MoneyPass ATMs in the Chicagoland area⁶
• FREE 3" x 5" safe deposit box for one year (or equivalent savings off a larger box)³
• BONUS interest rates on all regular fixed rate CDs⁴
• FREE traveler's checks, money orders and cashier's checks⁵
• FREE imaged checks with CheckManager Plus®
• FREE On-line Banking and Telebank
• FREE Bill Pay
• FREE Quicken and Microsoft Money download capabilities
• Initial deposit of $100 required to open.

Please see a Personal Banker for details.

Our Exclusive Platinum Trail Dollars Program - To Celebrate Senior Moments!

In addition to all the great benefits above, we offer "Trail Dollar" gift certificates as a unique reward to our account holders.  Please see a Personal Banker for details.  Trail Dollars can be redeemed with the following fine merchants:

Double Yolk Restaurant, 11400 Lincoln Highway, Mokena

Paradise Smoothie & Coffee, 1938 E. Lincoln Highway, New Lenox

Little Joe's Pizza & Restaurante, 1300 N. Cedar Road, New Lenox

Little Joe's Pizza & Restaurante, 7976 W. 167th Street, Tinley Park

*Redeem up to 3 Trail Dollars per purchase at the above locations

Watch for chances to win Trail Dollars during Platinum Adventures events and at other events throughout the year!

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers. Overdraft protection also available.

1 Penalty fees, such as overdraft charges, and fees for special services may apply. Minimum to open account is $100. 2 Limitations apply on type of check and quantity ordered. 3 Limited number of boxes available. 4 Excludes CD Special Rates 5 Free travelers checks do not apply to the two signature American Express traveler's checks. 6 No transaction charge at any of our affiliated ATMs. Other banks may impose ATM surcharges at their machines.

This account is one of the best packages of banking products around. Earn rewards by following four easy steps: Make one direct deposit or ACH transfer each month, perform at least 10 debit card purchases each month, sign into Online Banking once per statement cycle and receive monthly statements electronically. You’ll also receive a an ATM/Debit Card with no annual fee, free online banking with free bill pay, a free 3 x 5 safe deposit box for the first year, no fee traveler’s checks, money orders or cashiers checks, and much more.

Full Description

• Variable, tiered interest when requirements are met.**
• ATM Debit Card
• FREE 3x5 safe deposit box (first year)
• First order of imprinted checks
• Free check images, money orders, travelers checks and cashier's checks
• No monthly service charges
• Minimum deposit to open is $100

**Interest is tiered/paid on balances $1,000 and up.