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.


Where and when can I use my Old Second Visa Prepaid Card? — It can be used to make purchases everywhere Visa Debit is accepted and to obtain $300 cash per day at any Visa or PLUS ATM worldwide. The Card(s) cannot be used for any type of cash advances.

Will I receive a PIN to use with my Card? — Yes you will be issued a PIN. Simply call 1-866-466-8084 to activate your card and you will be given a PIN at that time. You can also change your PIN by logging on to our website www.oldsecond.com

Can I make deposits on my Card? — Yes, you can deposit money to your card by the following ways:
  • A Teller at any Old Second National Bank location can load money on your card.
  • Provide your account number and the Bank’s routing number to your employer. They can do a direct deposit of your payroll to the card. (Check with your employer to see if they offer direct deposit)
  • Any merchant that displays the VISA Ready Link logo (fees may apply). For a listing of Ready Link merchants please go to www.hcprepaiddebit.com.

When is the money available that I load on my card? — Your money is immediately available to use.

Will I get a statement showing my account activity? — Card statements summarizing your account activity are provided online. To access your card information go to www.oldsecond.com
How can I check my Card balance? Or track where I have used my Card? — It is wise for you to periodically check your account balance and activity. You can log onto www.oldsecond.com
  • View general information
  • View transaction history and statements
  • Make changes to your personal information
  • Change your PIN

Or call 1-866-466-8084.

Why, when I check my balance online, does it sometimes displays a lower balance than my actual balance? — This usually means that there is an outstanding authorization on your card. Retailers such as restaurants, hotels and gas stations will often run your card for authorization before you make your final purchase. When the final purchase is made, the actual amount will be authorized again and settled. The original authorization amount will remain pending on your account for up to 5 days. When the authorization settles, or drops off (after 2-5 days), your account will show your adjusted total balance.

What if my Card is lost or stolen? — You must immediately report a lost or stolen card via the website or call Customer Service at 1-866-466-8084. You can call 24-hours a day, seven days a week. A replacement card will be sent to you - minus a reissue fee that will be deducted from the card balance. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized charges. Also, for additional information, you should review the Terms and Conditions document that was included with your card.

What happens if I need to return an item I purchased? — Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction. They may credit the Old Second Visa Prepaid Card, provide a cash refund, or issue a store credit.

What if I want to purchase an item that costs more than the balance on my Card? — To make a purchase greater than the balance on your card you will need to have another form of payment-cash, check or credit card-to cover the difference. When making your purchase you must tell the cashier in advance how much to deduct from your card and how much you will be paying with the second method. However, not all merchants can process “split transactions” and your transaction may be declined.

Can my Card be used for online purchases? — Yes, Old Second Visa Prepaid Cards enable you to shop online. You can place orders with your favorite web merchants up to the limit on your Card.

Is a 4-digit PIN number needed to use my Card at a merchant? — No, a PIN number is not required. 

Can I get cash back from any unused portion of the Card? — Yes, subject to the rules of each individual merchant.

What happens if there are still funds available on the card when it expires? — A new personalized card will be mailed before the expiration date.

Can I pay my credit card bills with my Card? — Credit card, utility, or other companies that honor debit cards as a form of payment, will also accept the Card.