FAQs

We have collected answers to the most frequently asked questions for you to refer to. But if you do not find what you are looking for here, or need additional information, do not hesitate to contact us or give us a call at 877-866-0202.


FREQUENTLY ASKED QUESTIONS ABOUT DISCOVER®

How do I activate a new O2 Discover® Debit Card? –– You can activate a new card by calling the toll free activation number on the card sticker or you can activate by performing an ATM transaction or a transaction at a merchant using your current PIN.

What debit reward benefits are there? ––You may earn rewards points that can be redeemed for gift cards, merchandise and travel.

  • You earn 1 reward point for every $4 you spend when you do a signature debit transaction or non-PIN transaction.
For more Debit Rewards information and to redeem points go to https://www.dreampoints.com/o2rewards/ or sign onto your O2 Online banking account and click on the Rewards tab at the top of the page to go directly to the site.

What other benefits does an O2 Discover Debit Card have? –– Besides our O2 Debit Rewards program, you can enjoy:

  • Zero liability protection
  • Lowest purchase price guarantee
  • Card and document registration
  • Travel assurance services
  • Travel accident insurance
  • Extended product warranty
  • Purchase protection
  • Purchase protection guarantee
  • Roadside dispatch assistance
In addition business cardholders also benefit from:
  • Access to legal information
  • Human resources consultant services
  • For full disclosures visit www.oldsecond.com  or call your banker

Will I be able to use surcharge free ATMS through the MoneyPass® ATM network? –– Yes, Old Second Debt card holders can use thousands of surcharge free MoneyPass® Network ATMs and not be surcharged by the ATM machine owner.    Go to www.Moneypass.com to locate surcharge free ATMS or download the Mobile App to search for ATMs. For full disclosures visit www.oldsecond.com  or call your banker.

Is Discover accepted at a significant number of merchants? –– Discover is accepted at over 8.5 million locations and has achieved leading growth in merchant acceptance in each of the past 3 years.   Discover is also accepted wherever the Pulse® and Diner Club® acceptance logos are posted. If the Discover Card is not accepted, or you have to complete a PIN transaction, please contact Old Second with the merchant’s information. Click here to report a merchant that does not accept Discover.

What if I try to make a purchase at a business that does not accept Discover? –– Often times the easiest way to complete the transaction is to run it as PIN transaction.  To complete your purchase, simply ask the merchant to run the transaction as a “debit” and you will be asked to enter your 4 digit PIN. If the Discover Card is not accepted, or you have to complete a PIN transaction, please contact Old Second with the merchant’s information. Click here to report a merchant that does not accept Discover.

What debit security measures are provided by the Discover network and Old Second? –– Discover Network employs stringent requirements, including 100% authorization on all transactions (no “floor limits”).   Old Second also employs fraud-prevention, detection and transaction monitoring tools  to identify transaction fraud and alert us to unusual customer account activity.