• 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.

For 16 to 18 year olds

• NO minimum balance to open
• NO minimum balance to maintain
• NO monthly service charge
• Joint account with one or both parents, so minor can make deposits and withdrawals
• FREE first order of checks printed with our logo
• Family Access Card (re-loadable) allows parents to make money available at their discretion, plus monitor and even block transactions
• Mobile Alerts allow tracking of your teen's debit card activity
• At account opening, child must be accompanied by a parent or guardian and present valid social security number  

Please see a Personal Banker for details.

^* The MyCash Checking account is designed for young adults 16-18 years of age. To be eligible for this account, parent must establish or currently have a checking account relationship with Old Plank Trail Community Bank.  Please see a personal banker for more details.

 

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.

Our Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

• Minimum Daily Balance of only $1,500.00 to avoid a monthly service fee
• Higher interest rates than a typical Savings Account
• Unlimited deposits and up to six preauthorized debits at no charge
• Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
• FREE On-line Banking and Telebank

• No minimum balance to open the account
• Minimum Daily Balance requirement of only $250.00 to avoid a $5.00 Quarterly fee.
• You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, where all of your transactions are recorded
• Interest is compounded and paid quarterly

• No minimum balance to open the account
• Minimum Daily Balance requirement of only $250.00 to avoid a $5.00 Quarterly fee.
• Interest is compounded and paid quarterly
• Statements conveniently combined with your monthly checking statement OR sent quarterly
• Transfer funds as needed to your checking account with Telebank or FREE online banking with up to six preauthorized debits per month at no charge. 
• Savings transfer overdraft protection at only $5.00 per transfer

Our Junior Savers Club Account™ teaches children and young adults 18 and under the rewards of saving while making banking FUN!  This account may be opened with any amount, and there is in no minimum balance to maintain.

Features

• NO minimum balance to open the account
• NO minimum balance to maintain the account
• NO monthly service charge

In addition to learning one of life's most valuable lessons, Junior Savers will receive:

• A special bank book with identification as a Junior Savers Club member
• Extra savings to be sure your account grows  
  • All regular account service charges are waived for Junior Savers 
• A special Junior Saver Club bank to inspire daily at-home saving
• A newsletter with puzzles, activities and news you can use about Bank events.  Click here to see the latest issue!
• Holiday goodies and fun activities for Junior Savers, including invites to special Junior Savers Club events and contests
• Our exclusive "Trail Dollar" gift certificate program as a reward for saving your dollars and cents with us!

OUR TRAIL DOLLARS PARTNERS

Old Plank Trail Community Bank Trail Dollars may be redeemed at these cooperating local merchants (Redemption limit of 3 Trail Dollars per visit, please):

IN FRANKFORT

Culver's Frozen Custard and ButterBurgers, 20592 S. LaGrange Road

Empire Books, 625 N. LaGrange Rd.(in the Walt's plaza)

Kernel Sweetooth, 11 S. White St.

Mickey's Gyros, 63 W. Bankview Dr.

Paradise Smoothie, 19816 S. Harlem Ave.

Parmesan's Wood Stone Pizza, 10235 Lincoln Hwy

IN NEW LENOX

AJ's Hotdogs, 342 W. Maple St.

Laraway Lanes Bowling Center, 1009 W. Laraway Rd.

Original Little Joe's Pizza & Restaurante, 1300 N. Cedar Rd. (also 7976 W. 167th St, Tinley Park)

Paradise Smoothie, 1938 E. Lincoln Highway

Ranch Frostie, 1259 N. Cedar Rd.  

Teaching kids how to save -- it's part of our commitment to keeping traditional community banking alive in our towns!

It's Easy To Open This Account

Ask a parent or guardian to bring you to any of our locations and see one of our friendly personal bankers. At account opening, child(ren) must be accompanied by a parent or guardian and present valid social security number(s).

(for Ages 13 and Up)

• NO minimum balance to open the account
• NO minimum balance to maintain the account
• NO monthly service charge
• Joint account with one or both parents, so minor can make deposits and withdrawals
• Family Debit Card (re-loadable) allows parents to make money available at their discretion, plus monitor and even block transactions
• Mobile Alerts allow tracking of your teen's debit card activity
•  Ask a parent or guardian to bring you to any of our locations and see one of our friendly personal bankers. At account opening, child(ren) must be accompanied by a parent or guardian and present valid social security number(s).

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

Minimum balance to open a fixed-rate certificate of deposit is $1,000.