Old Second

 
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Security & Fraud

As a valued customer of Old Second Bank, we want you to be able to conduct your business with us with the utmost confidence in your security. To that end, we work continuously to keep the financial and personal information you entrust with us secure from unintended viewers and those who might use it for criminal purposes.
 


Your identity is worth protecting. Check out Old Second's IdentitySecure® for more information.



  • O2 Online Banking Security Measures

    Online banking is not just convenient; it can be a more secure way of transacting both personal and professional financial business. Information flows directly between you and Old Second. This reduces the opportunities for paper with personal information on it to become “lost” in the mail, discovered on your desk or found in your garbage bin.

    To ensure your security online:

    • Old Second only allows you to access your account information online if you have registered for O2 Online Banking services. You will always need login and password information in order to be able to access your information.
    • Old Second sends an e-mail if your e-mail address is changed through O2 Online Banking to ensure the change was made by you.
    • Old Second provides token devices to offer a unique, one-time use password for entry into O2 Online Banking. This drastically reduces the risk of an unauthorized access due to password guessing.
    • Old Second business customers may request that online services are only accessible from the IP addresses they provide. Requests may also be made that restrict access to the service during specific times of day.
    • Old Second automatically places new business cash management users in a “hold” status until Old Second verifies the new user account was created by an authorized person.
    • Old Second does not recommend sending confidential/personal information through unsecure methods. E-mail sent to us through your O2 Online Banking account by clicking on Contact Us is a secure e-mail method and therefore, is the recommended method of sending e-mail. Other secure methods of transmitting this information would be by visiting any of our locations or by calling us at 630-892-0202.

    For more information, read our Full Privacy Statement or contact an O2 Fraud Specialist at 630-892-0202.

  • 12 Tips for Preventing and Detecting Fraud

    While Old Second works diligently to protect your personal information, there are some basic precautions that you can take that will help keep your financial information secure.

    Here are 12 tips that can help you from becoming a fraud victim:

    • Limit the amount of personal information submitted online.
    • Be suspicious about emails you receive that contain an urgent request for your personal financial information. Even though they may resemble messages from a financial institution you deal with, reputable financial institutions do not request information through e-mail.
    • Before submitting information online, be sure the site is secure by locating an icon at the top or bottom of the screen that looks similar to a padlock. This identifier ensures that the site is secure.
    • Be sure that your Internet browser is up to date with the latest security updates, as well as your antivirus and anti-spyware programs. Scan your computer regularly for malicious code.
    • Log out of online banking once you complete your business and close the browser.
    • Never leave your computer connected to the Internet when you are not using it.
    • Set up your online accounts for alerts to be sent to you notifying you whenever a specific action—like an ACH Debit or transfer—takes place.
    • Review account statements often and carefully, including bank and credit card statements to ensure no unauthorized charges or withdrawals appear.
    • Review your credit report periodically to ensure no new accounts have been opened in your name.
    • Only provide personal information by phone (or e-mail) when you have initiated the contact.
    • Shred any personal/financial information that is no longer needed by you. Try not to leave your personal information (including mail) in open or obvious places.
    • Investigate any suspicious activity on any account immediately.

    If you think your personal financial information has been compromised, contact an Old Second Fraud Specialist at 630-892-0202 for information on initiating a credit freeze.