Find answers to your questions here

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.


What is O2 Online Banking? — O2 Online Banking is a free online banking service that allows you to view transactions, downloads of transactions, statements, place stop payments, transfer funds and much more. Please see our demos for more information.
I want to sign up for O2 Online Banking, what do I do?Click here to enroll in the service online. You may also complete a paper application with a personal banker at any of our locations.
What is the turnaround time for new enrollment? — Approximately two days. You will be sent your O2 Online Banking ID and password by email.
Do joint account holders need separate O2 Online Banking IDs? — This is not required. However, it is available if either owner has specific individual accounts on which they are a signer but do not want anyone else to have access.
Can I make loan payments using O2 Online Banking? — Yes. O2 Online Banking offers the option to make a regular payment, a principal-only payment or an interest-only payment to your Old Second loans.
Is there a "cut-off" time for making transfers on O2 Online Banking? — Transfers made by 7:00 p.m. CT Monday through Friday will be entered on that day's business; transfers after 7:00 p.m. CT will be posted on next day's business. Transfers made after 7:00 p.m. CT Friday will be posted on the following Monday's business (or Tuesday if Monday is a bank holiday).
In O2 Online Banking, my balance is listed as "Available." What does that mean? — Your available balance is your "up-to-the-minute" balance in your account. It may include ATM withdrawals, debit card activity and checks clearing your account that day.
When I transfer between accounts and put information in the "memo" field, does that appear on my Internet history, my account statement or both? — Memo information entered in O2 Online Banking resides only in O2 Online Banking. Therefore, any statements viewed or printed from within O2 Online Banking will display your memo, but the memo will not appear on your bank statements.
How do I contact O2 Online Banking support for questions? — O2 Online Banking support can be emailed or can be reached by phone at 630-844-4826. O2 Online Banking support hours are Monday through Friday 8:00 a.m. CT to 6:00 p.m. CT and Saturday 8:00 a.m. CT to 1:00 p.m. CT.
What does it mean if my O2 Online Banking account is "locked"? How do I get my account unlocked? — Your account will lock if an invalid combination of your O2 Online Banking ID or PIN is entered more than three times. The only way to get your account unlocked is to contact the O2 Online Banking department. You can do so by sending an email to the O2 Online Banking department or by calling 630-892-0202.
Is there a charge to receive email alerts through O2 Online Banking? — There is currently no charge for the email alerts portion of O2 Online Banking. You can receive as many alerts as you would like, free of charge.