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O2 Digital Banking

O2 Digital Banking

by Old Second National Bank

11K ratings
115 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • July 27, 2020
  • June 12, 2026

Features

Developer

Old Second National Bank
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O2 Digital Banking screenshot #1 for iPhone
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Reviews summary↘︎
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❓5 answered
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About

Manage all your bank accounts in one place. Track transactions, set alerts, make payments, and deposit checks with ease. Secure your finances with passcode and biometric login.

✓Aggregate financial accounts
✓Organize transactions with tags and notes
✓Set balance alerts
✓Make payments and transfer money
✓Mobile check deposit
✓Debit card management
✓View monthly statements
Show original description

What users say

Summarized from real user reviews of O2 Digital Banking. Based on 11K reviews and a 4.7/5 average, it highlights the 7 positives and 11 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Easy home deposits
  • 👍No fees
  • 👍Helpful app
  • 👍Easy to use website
  • 👍Nice app
  • 👍Well worth the effort
  • 👍Great service

Negative things

  • 🐛Mobile deposit issues
  • 🐛Zelle transfer problems
  • 🐛App crashes
  • 🐛Limited app options
  • 🐛Complicated digital banking
  • 🐛Difficult mobile deposit
  • 🐛Worse than previous bank
  • 🐛Poor customer service
  • 🐛Slow transactions
  • 🐛Confusing app
  • 🐛Unreliable mobile deposit
See all reviews

What's New in O2 Digital Banking

3.35.1

June 12, 2026

Version 3.35.1 • Bug fixes and performance improvements

User reviews

Most RecentHighest RatedLowest Rated

Depositing checks

Your app is SO DIFFICULT!! Almost every time I have to try 2 or 3 times. Way too sensitive. My other banks don’t give me this issue
Deposits are difficultDeposits are difficult

Deposit

It was hard getting the correct photo for the deposit. Ask me numerous times to write old second national bank mobile deposit only.
Had go kingHad go king

Update messed it up

Won’t open at all now after last update
JohnnycakeJohnnycake

Limits

$5k daily limit. Not cool. Should be a percentage. IE 15% of total savings = daily limit
N/A JSLN/A JSL

Mobile deposit phasing is ridiculous

Check deposit feature is terrible
12345$!?12345$!?
See 110 more reviews

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O2 Business Deposit

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Corporate O2
Corporate O2

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Old Second Trust Online Access
Old Second Trust Online Access

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See developer apps

User experience

🐞

Reported Bugs

4 issues

Mobile deposit issues

Bug

Frequent app crashes

Bug

Account access problems

Bug

Recurring payment glitches

Bug
✨

Requested Features

4 requests

Ability to deposit checks remotely

Feature

Improved bill pay organization

Feature

Zelle transfer reliability improvements

Feature

Better mobile deposit experience

Feature

FAQ

What does O2 Digital Banking do?

O2 Digital Banking allows you to aggregate all your financial accounts, including those from other banks, into a single view. It provides tools to manage your finances, track transactions, make payments, transfer money, and deposit checks.

What are the key features of O2 Digital Banking?

Key features include aggregating accounts from multiple institutions, organizing transactions with tags and photos, setting balance alerts, making payments, transferring funds, mobile check deposit, debit card management, and viewing monthly statements.

Is O2 Digital Banking free to use?

The app itself is free to download and use. However, it is designed for enrolled Old Second National Bank digital banking users. Any associated costs would be related to your banking services with Old Second National Bank, not the app directly.

What devices is O2 Digital Banking compatible with?

The app is available for mobile devices. It supports secure login options like a 4-digit passcode and fingerprint or face reader on supported devices, indicating compatibility with modern smartphones and tablets.

How can I use O2 Digital Banking to manage my money?

You can use O2 Digital Banking to get a consolidated view of all your accounts, track spending by adding tags and notes to transactions, set up alerts for low balances, and conveniently make payments or deposit checks from your phone.