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 does the service work? — Using your Online Banking service, you can send payments to anyone in the United States with a checking or savings account using their email address.

  • Enter the Receiver's Name, Email Address, Phone Number, Amount, Payment Date and Special Keyword.
  • An email will be sent to the Receiver letting them know you are sending a payment.
  • The Receiver will use the enclosed link to provide their Bank Routing Number, Account Number and Special Keyword you provided.
  • The payment is sent.
  • Going forward, payments sent to this Receiver will be processed without delay or further need for authentication.

What if I forget what the Keyword was? — Access Online Banking Bill Pay, then choose Payees.   Choose Edit to the right of the payee to obtain the Keyword.How can I Stop or Edit a payment? — Access Online Banking Bill PayChoose Edit to the right of the payment and then select the checkbox next to “I would like to stop this payment”. Only payments in a Pending Status  can be stopped.

What if the Receiver refuses my payment? — You will be notified via email that the Receiver has refused the payment. Only new Receivers have the ability to refuse the payment.

What if the Receiver ignores the email? — The system will send a reminder email every three days. If the Receiver hasn’t followed the necessary steps by the ninth day, the payment will be stopped and the system will send you a notification.

How can I change the account where my payments are sent from? — Contact us directly at 630-966-2455 to change the account number.

Can I send payments from my Savings account? — No, only payments from Checking accounts are allowed.

Is there a limit of how much can be transferred? — Payments through the services may be made in amounts up to $2,500 per transaction with a maximum of $2,500 per business day. Old Second National Bank may, at our sole discretion, amend or impose further limits on the amount of money and/or the number of payments you can send or receive through our services. We also reserve the right to select the method in which to remit funds on your behalf and the method to return funds to you in the event that your Transaction Account is closed or otherwise unavailable to Old Second National Bank. These payment methods may include, but may not be limited to, an electronic payment or a check payment.

Is there a daily transfer deadline? — So long as a Receiver registers for receipt of payment through the service as described above, the cut-off time to process a payment on the following business day is 2:00 p.m. Central Time. Payment Instructions completed prior to the cut-off time will be processed by the next Business Day. Payment Instructions completed after 2:00 p.m. Central Time will be processed and paid within the following two (2) business days.