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O2 DIGITAL BANKING
What is O2 Digital Banking?
O2 Digital Banking will replace Old Second Bank’s Online Banking service. Provided to all customers free of charge, O2 Digital Banking allows you to view transactions, download transactions, view statements, place stop payments, transfer funds and much more.
What is two-factor authentication?
This is an additional security feature to help safeguard your account information. Upon signing in, you will need to enroll an email address and a phone number (mobile or landline). If you choose to use a mobile phone number, select to receive a one-time text message with a one-time verification code delivered as a text message. If you choose to use a landline number, then you must click “Try another way” to receive a phone call with a one-time verification code. Text messages cannot be delivered to a landline. After entering the verification code, if you are logging in from a secure computer you have the option to select “Don’t ask for code again on this computer”. This will avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer. Mobile usage fees may apply, contact your mobile carrier for more information.
Can I receive the two-factor authentication verification code via email?
No, this option is not available. The code can be received using one of the following options:
- Text Message
- Phone Call
- Authy App® (Third party app that generates a one-time passcode. To register you will need an email address and phone number.)
What should I do if I do not receive a verification code to continue with the two-factor authentication setup?
Please be sure the phone number entered is accurate. If the problem continues, please contact a member of our Support Center at 1-877-866-0202.
When I select “Remember this computer” why am I being asked for a verification code each time I login?
There are several reasons a verification code may be prompted at login:
- if you login on different browsers,
- delete your browser history, or
- your browser settings are set to delete your cookies and history automatically.
What browsers are supported?
The Online Banking service can be accessed using the most current and prior major release of the following browsers:
- Microsoft Edge
- Firefox
- Safari- Apple/Mac Users only
- Google Chrome
How can I sign up for O2 Digital Banking?
If you already have Online Banking,download the O2 Mobile Banking App and login using your current Online Banking credentials. If you do not already have Online Banking –Click here to enroll.
Will I be able to delete transfers once they are submitted?
No, both internal and external transfers cannot be deleted once submitted. If a transfer was submitted mistakenly, a new transfer will need to be set up to move the funds back. Please contact a member of our Support Center at 1-877-866-0202 if you require assistance.
What are the cutoff times for transfers?
Transfers made by 7:00pm CT Monday through Friday will be entered on that day’s business; transfers after 7:00pm CT will be posted on the next day’s business. Transfers made after 7:00pm CT Friday will be posted on the following Monday’s business (or Tuesday if Monday is a bank holiday). Transactions posted on bank holidays will be posted on the next business day. See the Terms and Conditions for more specific information.
Can I reorganize my dashboard?
Yes, at the bottom of the dashboard, click Organize Dashboard to drag and drop, delete or add tiles.
The dashboard activity displays transactions from all of my accounts. How can I find account specific information?
Click on Accounts and select the specific account you want to review.
Does Old Second offer connections with Intuit financial software, Quicken™ and QuickBooks™?
Yes, if enrolled for O2 Digital Banking, you can connect to your personal accounts through Quicken financial management software or if you are a business through QuickBooks account management software.
What is the difference between Web Connect and Direct Connect?
Web Connect allows you to download your transactions directly from within O2 Digital Banking and import them into Quicken™ / QuickBooks™. Direct Connect allows Intuit to connect directly to your Old Second accounts on your behalf. You do not have to manually sign in to O2 Digital Banking and manually download transactions. It is a two-way connection that can be used for paying bills and transfers from within the Intuit product.
How do I connect to Quicken™ or QuickBooks™?
When activating through the software, search for ‘Old Second Bank’. You will be required to enter your O2 Digital Banking username and password, and then select the accounts to be linked.
I am unable to connect my accounts with Quicken™ / QuickBooks™, who should I contact?
Questions around any of Intuits products and features should be directed to Intuit support: 1-800-446-8848.
What if I forget my user name or password?
On the account login page, choose “Forgot?”. Enter the required information to obtain your login credentials
O2 DIGITAL BANKING MOBILE
Are there device requirements to access the mobile banking app?
Yes, the mobile banking app is compatible with iPhone™ and iPad™ devices that have iOS version 10.0 and up, and Android™ phones and tablets with version 4.1 and up. Devices must have access to the internet.
What happens if I lose my phone or device?
For security purposes, your account data is not stored on your phone. Your information cannot be retrieved.
How much does the O2 Digital Banking App cost?
There are no fees to download and use the App; however, connectivity and usage rates may apply. Contact your wireless service provider for more details. Review the Bank’s fee schedule for fees associated with the actions you can take within the O2 Digital Banking App.
Do I use the same user ID and password for the mobile app as I would for O2 Digital Banking?
Yes, you will use the same user ID and password that you use to log into online banking.
Will I still be able to make Mobile Deposits?
Yes, the Mobile Deposit functionality will still be available to you in O2 Digital Bank Mobile. Refer to theMobile Deposit FAQsfor any questions.
Will O2 Mobile Text still be available?
The O2 Mobile Text service willno longer be available beginning August 18, 2020.
How do I set up Two Factor Authentication?
Upon the initial login you will be asked to enter your email address and mobile phone number. A verification code is sent via text message to be used in confirming your account during setup.
If I forgot my password, can I reset it within the mobile app?
Yes, you can choose “Forgot?” on the login page to reset your login credentials within the mobile app.
How do I sign out of the mobile app?
When you want to exit the app, simply swipe it to close or select 'Sign out' from the 'My Profile' section of the menu. Each time you access your app, you will be required to enter your passcode, use your fingerprint or utilize the facial recognition feature in order to login again.
Can I pay bills or a person in the mobile app?
Yes, you can easily add and edit payees, such as businesses and individuals, and submit payments using the mobile app.
Why are transactions labeled as pending?
Transactions appear as pending until they are completely processed by the financial institutions involved in the transaction.
Why am I unable to add a memo to recurring or future-dated transfers?
While memos aren't an option for recurring or future-dated transfers, you can add a “tag” to transactions that will appear online or in the mobile app after the transfer posts to your account. The “tags” will not appear on your account statement.
Can I view my statements on the app?
Yes, navigate to ‘Accounts’ in the menu, choose the account you’d like to review, and select ‘Documents’. If you are currently not signed up to receive statements, you have the option to enroll at the top of the screen.
Can I set up account alerts?
Yes. Choose an account and navigate to the Alert preferences option and choose your alert options.
Will alerts that I have setup currently convert to O2 Digital Banking?
No, unfortunately these will not convert. You can create new alerts in O2 Digital Banking within the Alert Preferences option.
How do I adjust the order of my accounts?
To organize your accounts, go to the menu, select accounts. At the bottom of your account list, choose organize accounts. Next to the account balance, there are three lines where you can place your finger to drag the account(s) in the order you prefer.
O2 CARD MANAGEMENT (WITHIN O2 DIGITAL BANKING MOBILE APP)
What is O2 Card Management?
You can control O2 debit cards associated with your accounts from within the O2 Card Management feature of the O2 Digital Banking Mobile app.
How do I access O2 Card Management?
From within the O2 Digital Banking Mobile app dashboard, select an account from the Accounts menu, then tap Card Management. Any card you have associated with that account will appear here.
How do I set an alertor a spending limit for my debit card?
Access Card Management as described above and select the appropriate card, then select Alerts and Protections. You can then:set alerts or control transactions by: Location, Merchant type, Transaction type, Spending limits; Report a card lost/stolen; Turn card on/off.
I received a new O2 debit card. Will it automatically appear in Card Management?
Yes, any card associated with an account in the O2 Digital Banking Mobile app will appear under Card Management.
iPhone® and iPad® are registered trademarks of Apple, Inc.Windows® Phone and Windows® are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries. Authy App is a registered trademark of TWILIO INC.
