Play your cards right

When it comes to living in a cashless society, you need access to "plastic" that is molded to your needs. From debit and credit cards to reloadable cards and employer payday cards, we offer a full range of card options that can help you exert better control over how your money is spent.



Control your debit card with the MyCardRules™ app at the touch of a finger, wherever you are. Features include:

  • Turn your card on or off
  • Set spending limits
  • Get instant transaction or security alerts
  • Choose a specific usage region where the card can be used
  • Set parental controls and monitoring
  • Share your card with dependents within set limits
  • Password-protected and highly encrypted.
  • Download the MyCardRules™ app
  • View MyCardRules™ FAQ


Wherever you go, when you access your checking account through your debit card, you do so in a safe, secure and convenient way.

  • Payment is taken directly from your account, the way it would be if you wrote a check or used an ATM withdrawal to pay in cash
  • Free withdrawals at all Old Second ATMs with O2 logo
  • Unlimited withdrawals at 55,000 Allpoint® Network locations
  • Automatic record-keeping of all transactions
  • ATM balance inquiry fee of $1.00 per inquiry
  • Design your own debit card. Learn more.
  • To activate your ATM/Debit Card 24-hrs a day, call: 800-290-7893
  • To report your ATM/Debit Card lost or stolen, call 24-hrs a day at: 888-297-3416 (or outside U.S. at 206-389-5200)
  • Load your card to popular digital wallets: 


Use your O2 Debit card for cash withdrawals at over 55,000 Allpoint® network ATMs and avoid third-party surcharges in the U.S., Australia, Canada, Mexico, Puerto Rico, and U.K.

  • You can locate an Allpoint® ATM by looking for the Allpoint® logo, visiting the Allpoint® Network website or by downloading the iPhone® or Android™ app to your smartphone. Look for the Allpoint® logo at many retailers, including Target®, CVS Pharmacy®, Walgreens®, Speedway® and more.
Download Allpoint® for iPhone®
Download Allpoint® for Android™



Enjoy the benefits of an O2 Debit Mastercard®.

  • Zero liability
  • Extended Warranty
  • Mastercard ID Theft Protection™
  • Satisfaction Guarantee
  • Mastercard Global Service™
  • Mastercard Airport Concierge™
  • Priceless Cities Offers & Experiences

Download the Mastercard® Consumer Benefits Guide PDF.

Credit card

Pay for purchases on your own terms.


Pay no annual fees with an O2 credit card issued by Elan®.

  • Get cash fast at 1 million ATMs worldwide
  • Use at millions of locations worldwide
  • Receive car rental discounts
  • Make online purchases safely with the Verified by Visa® program. Shop at participating online stores and enter your password for added security. To sign up, click here.
  • 24-hour card service at 800-558-3424
  • We have other specialty cards, such as Visa® Bonus Rewards Card, Secured Visa®, Cash Rewards American Express® Card, and Travel Rewards American Express® Card.

For more information, call 877-866-0202 or email us.

Easy online application process
Compare rewards cards
Check your credit card balance

Prepaid cards

When giving or carrying cash doesn’t seem like the right option, consider using one of our prepaid cards instead. Whether you use these cards as gifts, to pay an allowance to your children or you decide it would be more convenient to receive your salary on one, we have an option that will suit your need.


It’s a gift that always fits, comes in the right color and will be exactly what the recipient wants.

    • May be purchased for amounts between $25–$750 through lobby tellers at any Old Second branch
    • Gift cards may be used just like credit cards—the difference is: They have a prepaid balance
    • Accepted by the more than 19 million merchants that accept Mastercard®
    • May be used as many times as the recipient chooses, until all of the card’s balance has been used or the card expires
    • View Gift Card Terms & Conditions (PDF)

Balances may be monitored online by clicking here or by calling 1-800-554-2707.


A safer way of carrying cash while on vacation and a more convenient way to provide spending money to students in college.

  • May be purchased for amounts up to $5,000
  • Available for purchase through lobby tellers at any Old Second location
  • You may reload your MasterCard® Prepaid Debit card at any Old Second branch, by direct deposit, or at any merchant that displays the Mastercard® logo
  • Access cash through any of the Mastercard® ATMs worldwide
  • View Reloadable Card Terms & Conditions (PDF)

Call 1-800-554-2707 for more information. Balances may be monitored online by clicking here.


Access your salary more quickly.

  • Available to employees of businesses that are Old Second customers and offer employees direct deposit
  • 24/7 access to funds—no rushing to the bank or check-cashing facility to cash a payroll check
  • Eliminates high check-cashing fees
  • Safer than carrying cash since replaceable if lost or stolen
  • Funds added to the card are immediately available
  • ATM cash withdrawal/POS wherever Mastercard® is accepted/can set up recurring payments or transfers
  • Can use card in person/on the telephone/online
  • View Payday Card Terms & Conditions (PDF)

For info re: cards issued AFTER 3/1/2019: Call 1-800-554-2707. Balances may be monitored online by clicking here.

For info re: cards issued BEFORE 3/1/2019: Call 630-264-3286 for more information.