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.



How can I sign up for O2 Mobile Banking? 

If you already have Online Banking – Log into Online Bankingdownload 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.
Is there an app for O2 Mobile Banking?
Yes, the Mobile Banking App is available for iPhone®, iPad® and Android smartphones.  Search for “O2 Mobile Banking” in the Apple App Store or Google Play Store.

What options are available in O2 Mobile Banking?

  • Balances
  • Transfers
  • Bill Payments (existing payees only)
  • Deposits
  • Statements
  • P2P SendMoney*
  • Alerts
  • Bank to Bank Transfers*
  • Online Financial Management

*Consumer customers only

What accounts can I access or view on O2 Mobile Banking?

Any of your Old Second deposit or loan accounts that you have established in O2 Online Banking.

How secure is O2 Mobile Banking?
The same security measures for O2 Online Banking have been incorporated into O2 Mobile Banking. You should, however, take every precaution to safeguard your User ID and password.

I’m a business customer with Single Sign On.  Do I need to use my Online Banking Secure Token to access Mobile Banking? 
This functionality is limited to O2 Online Banking. It is not available for use with O2 Mobile Banking.

What if I get a new phone or device? 

Because O2 Mobile Banking & Deposit are tied to specific sign on information, the only action you need to take when you purchase a new phone is to download the App.

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.  When you replace your phone or device, simply edit your Mobile Settings, make any necessary changes and download the App.

What is the cost to use the O2 Mobile Banking service? 
The service is currently free. You could incur fees from your mobile/wireless service provider related to the use of O2 Mobile Banking based on your specific calling plan.

What if I can’t get my mobile device to work with O2 Mobile Banking?
Your mobile device will need to meet the following requirements:

  • Your mobile device must be Web enabled.
  • Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)

If your phone meets these requirements and you continue experiencing problems, the mobile version may not be compatible with your phone’s browser. An interim solution would be to try downloading another browser such as Opera Mini (www.operamini.com), which provides reliable support to a number of mobile applications.


How do I activate the O2 Mobile Deposit option to my O2 Mobile Banking app?
From within O2 Mobile Banking, select the Deposits Option.  Follow the system prompts to complete the enrollment.

Can I still use O2 Mobile Deposit if I have a Windows Smartphone?
Windows Smartphone users can make deposits using a separate app. Please call us at 630-966-2455 for more information.

Why can't I see my mobile deposit when I go to view it in O2 Online Banking?
Deposits made through Mobile Deposit will not appear online until the following business day. 

How will I know if my Mobile Deposit was received, accepted for deposit and credited to my account?

  • Once the deposit is received, you will receive an email confirmation indicating if the deposit was approved.
  • The deposit will appear on your account statement.
  • The deposit can be reviewed in Mobile Banking, Online Banking, Text Banking or Infoline the following business day.

Is O2 Mobile Deposit a service for personal accounts or business accounts?
Mobile Deposit is a service that individuals with personal accounts or businesses that deposit low volumes of checks will find useful and convenient. Businesses that handle large volumes of checks should inquire about our Remote Deposit Scanner products.

What Old Second accounts can I deposit to?
Using O2 Mobile Deposit, you can deposit to your Old Second checking, savings or money market accounts if you included these as deposit options on your enrollment form. If you want to add another account, send us a secure message through O2 Online Banking by selecting the Contact Us option. If you have mobile deposit but not O2 Mobile Banking, you can set up mobile deposit from within the O2 Mobile Banking app

What types of items can I deposit using O2 Mobile Deposit? 

You can deposit any type of original negotiable check or money order drawn on a U.S. chartered bank that is payable in U.S. dollars.  Two party checks are not allowed.

  • Personal Accounts - The check must be made payable to you or to one of the joint owners on the account
  • Business Accounts – The check must be made payable to the business

Can I make a deposit with more than one check? 

Each check must be deposited as a separate deposit transaction.  You can make multiple deposits as long as your limits are not exceeded.

Is there a dollar limit, or a limit to the number of checks that can be deposited through O2 Mobile Deposit?
Yes. There are daily and monthly limits.

  • For Level 1 customers, the daily deposit limit is $2,000 with a monthly limit of $7,500 and 20 checks.
    (This is the default limit.  To request higher limits, access Online Banking and select the Contact Us option or email us at depositservices@oldsecond.com.)
  • For Level 2 customers, the daily deposit limit is $5,000 with a monthly limit of $10,000 and 40 checks.

What if I go over my daily or monthly deposit or transaction limit?
If you go over your transaction or deposit limit, the transaction may not be approved. You will receive the following error message: Deposit Limit has been exceeded. Please contact your financial institution. 

Please call Old Second Customer Support at 630-966-2455 if you have a question related to an error message.  If you exceed your limit please contact us to see if you are eligible for a temporary limit change.

What does it cost to use the O2 Mobile Deposit Service?

The service is currently free.  You could incur fees from your mobile/wireless service provider related to the use of Mobile Deposit based on your specific calling plan.

What do I do with the checks that I deposit through O2 Mobile Deposit?

You should secure the check in a safe place and note on the check that it was part of a mobile deposit.  The check should be kept for at least 60 days after you receive your email deposit confirmation.  At that time, you should destroy the deposited check so that no one attempts to negotiate it in the future.  Before destroying, verify on your account statement that the deposit was received and credited to your account.

How should checks deposited through O2 Mobile Deposit be endorsed?

The check should be signed (endorsed) by the payee writing FOR MOBILE DEPOSIT ONLY above the endorsement.

When are the funds deposited through O2 Mobile Deposit available for withdrawal? 

Old Second’s standard funds availability policy applies to these deposits.  Please contact us if you would like a copy of our Funds Availability Disclosure.

What if I enter the wrong amount when entering a deposit?
You will receive a confirmation that the deposit was received.  Your email deposit confirmation will alert you that the amount was incorrect and what adjustment was made to the deposit.  If you have any questions, call Old Second Customer Support at 630-966-2455.

What if I deposited the same check more than once?

If you attempt to deposit the same check twice at Old Second, the deposit will be declined and the transaction will not be processed.  If the check has been deposited at another bank and we process the check, the check will be returned and charged back to your account and a return deposit check fee will apply.

What if a deposit is rejected?
Please call Old Second Customer Support at 630-966-2455 during normal business hours Monday through Friday from 8:00 AM to 5:00 PM.

How do I view my mobile deposit history and how long is the history available for viewing?
Deposits made using O2 Mobile Deposit can be viewed for five days after the deposit was processed by logging into the Mobile Deposit app and selecting Review on the first screen. Your deposit history is also available for viewing on O2 Online Banking.

Can I open a new account online and make my first deposit with a check through O2 Mobile Deposit?
Not at this time. An account cannot be opened using a check deposit from Mobile Deposit.

Who do I contact for assistance? 
Please contact us at 630-844-4826 or depositservices@oldsecond.com.


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