Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides commercial and retail banking services to corporations, partnerships, individuals, and government agencies in India. The company offers demand, NOW, money market, savings, time deposit, individual retirement, and Keogh deposit accounts. It also provides commercial loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of equipment; commercial real estate loans; construction loans; residential real estate loans consisting of residential first mortgages, second mortgages, and home equity line of credit mortgages; and consumer loans, including motor vehicle, home improvement, and signature loans, as well as small personal credit lines. In addition, the company offers safe deposit operations; trust and wealth management services; and other banking services, including travelerís checks, money orders, cashierís checks, foreign currency, direct deposits, discount brokerage, debit cards, and credit cards. Further, it provides electronic banking services, such as Internet banking; and corporate cash management products, including remote deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockboxes, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, wire transfers, vault services, and checking accounts. Additionally, the company offers trust, investment, agency, and custodial services for individual, corporate, and not-for-profit clients. As of December 31, 2011, it operated 27 branches in Kane, Kendall, LaSalle, Will, DeKalb, DuPage, and southwestern Cook counties. The company was founded in 1982 and is headquartered in Aurora, Illinois.