# O2 Digital Banking — user reviews > 120 indexed App Store user reviews of O2 Digital Banking by Old Second National Bank, rated 4.70/5 from 11,275 ratings. - Source: https://appshunter.io/ios/app/o2-digital-banking/id1500046724/reviews - App overview in markdown: https://appshunter.io/ios/app/o2-digital-banking/id1500046724.md - Rating breakdown: 5★ 9,611 · 4★ 867 · 3★ 275 · 2★ 140 · 1★ 382 ## What do users think of O2 Digital Banking? Overall sentiment: negative **Pros** - 🚀 Easy home deposits - 👍 No fees - 👍 Helpful app - 👍 Easy to use website - 👍 Nice app - 👍 Well worth the effort - 👍 Great service **Cons** - 🐛 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 **Commonly reported bugs** - Mobile deposit issues - Frequent app crashes - Account access problems - Recurring payment glitches **Most requested features** - Ability to deposit checks remotely - Improved bill pay organization - Zelle transfer reliability improvements - Better mobile deposit experience ## Newest reviews (15 of 120) ### 4/5 — Good Morning *2026-08-26, version 3.37.0* I love the convenience ### 2/5 — Update messed it up *2026-06-23, version 3.35.1* Won’t open at all now after last update ### 2/5 — Limits *2026-06-17, version 3.35.1* $5k daily limit. Not cool. Should be a percentage. IE 15% of total savings = daily limit ### 4/5 — Great except for remote dep issue *2026-06-09, version 3.34.1* I like the capability of the app to access info and to execute transactions. I do not like how remote deposits are rejected because I supposedly did not write “Mobile Deposit Only Old Second” on the back. Except I did, in big block printing. I make the letters thicker and it usually helps. A couple of times I have had to strike thru the original and rewrote it much lower on the check. I really wish they would fix this. ### 2/5 — Mobile deposits *2026-06-09, version 3.34.1* Mobile deposits are challenging. Even when you endorse the back of the check properly, it wants to reject it. ### 2/5 — Photos not accepted *2026-06-03, version 3.34.1* I use several different mobile banking apps. I don't have any difficulties with any of them other than the one with old second. Frequently I get error messages that say that the Check image isn't clear. Frequently I get error messages that say it's not endorsed properly. I can see the image that I submit and it is perfectly fine. Regarding the endorsement, I am using the exact verbiage I was directed to use by old second. It's very frustrating to have to try several times to submit the photos. Sometimes I have to log out and log back in. And frequently that doesn't even work. I really don't think it's user error because I do use other mobile banking apps and never have a problem submitting the photos. ### 2/5 — Please fix!! *2026-05-31, version 3.34.1* app not working at ALL after update. just a green screen ### 3/5 — Mobile deposit endorsement *2026-05-26, version 3.34.1* On every check that I use mobile deposit I write mobile deposit only old second and many times. I have to write it again even though it was already there. ### 3/5 — Deposits not user friendly *2026-05-12, version 3.33.0* Although the mobile deposit feature is relatively easy, the banks daily limits are not accommodating to real life needs! ### 5/5 — Digital Banking *2026-03-04, version 3.31.2* I have been using this app for about 6 months now and find it to be very helpful and effective. ### 3/5 — Deposit *2026-02-28, version 3.30.2* System cannot read mobile deposit only Old 2nd ### 5/5 — Pros and Cons *2026-02-26, version 3.30.2* This is a very convenient app and it works really good. There is one thing it’s missing however and that is the fact that there’s no place to put a memo so that we can identify each deposit. Overall, this is working really well and saving me lots of time. ### 5/5 — Love Old Second! *2026-02-24, version 3.30.2* I’ve been with Old Second twenty years now and have had pleasant experiences throughout. I moved out of the area but didn’t want to transfer banks and Old Second’s mobile/online banking has allowed me to keep my accounts where I WANT them! In the rare occasions online banking didn’t work for me, the personal bankers have went out of their way to assist me in getting things done. ### 5/5 — Fantastic *2026-02-13, version 3.30.2* Fantastic and very good system, easy to navigate. ### 5/5 — 1969 *2026-02-07, version 3.30.2* Repelas ## Most critical reviews (10 lowest-rated) ### 1/5 — Broken deposit app *2026-08-01, version 3.36.0* You have broken my ability to deposit into the right account. Sigh. ### 1/5 — Depositing checks *2026-07-12, version 3.35.1* 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 ### 1/5 — Mobile deposit phasing is ridiculous *2026-06-10, version 3.35.0* Check deposit feature is terrible ### 1/5 — Update *2026-05-30, version 3.28.0* I don’t want to update my phone, why am I not able to keep the app as is? Forcing people to update is ridiculous! ### 1/5 — Older I pads can’t update the app *2026-05-29, version 3.28.0* Can’t use app anymore on a gen 6 I pad due to can’t update to IOS 18.4 . Forcing me to send money to purchase another I pad . ### 1/5 — Customer service *2025-12-26, version 3.30.0* It’s hard to reach customer service , they take like one week to increase your transfers and even then they’ll forget to change it so you have to call and message them to remind them. Also, transfer system is iffy I’m missing some money from one of the transfers. Don’t go with this bank. ### 1/5 — Mobile deposit *2025-11-08, version 3.28.0* Rejects many payments endorsed properly ### 1/5 — Bricked *2025-09-20, version 3.27.0* The most recent update bricked my app, locking it in a state of updating. I open the app, and all I can see is “completing app update” with an empty, frozen loading bar. ### 1/5 — Bad banking app *2025-08-09, version 3.25.1* Horrible banking app. Transfers take forever sometimes, mobile deposits are frustrating. ### 1/5 — Worst bank *2025-06-10, version 3.23.1* Horrible bank and worse app. ## Most praised reviews (10 highest-rated) ### 5/5 — Thanking you *2026-08-22, version 3.37.0* Always there to help!!! ### 5/5 — Buen servicio *2026-08-21, version 3.37.0* Me encanta ### 5/5 — Easy, quick, & user friendly !! *2026-08-20, version 3.37.0* I love using this app for urgent transfers or to look up any details ! So easy to navigate the app as well ! ### 5/5 — Deposit *2026-06-24, version 3.35.1* It was hard getting the correct photo for the deposit. Ask me numerous times to write old second national bank mobile deposit only. ### 5/5 — On line check deposits! *2026-06-05, version 3.34.1* Love how easy this is and saves so much time! Thanks for this option. ### 5/5 — Can't update app *2026-06-03, version 3.28.0* It just takes me in an endless loop ### 5/5 — Old second online banking *2026-04-23, version 3.33.0* Enjoying the app. Easy to navigate ### 5/5 — A large small town bank. *2026-04-11, version 3.32.0* We’ve been with Old Second since they merged with West suburban bank. We loved the customer centric atmosphere at West suburban and find Old Second to be exactly the same. Although they feel like a small town bank, they have all of the amenities and services of the big guys. A great combination of atmosphere and service services. ### 5/5 — O2 *2026-03-22, version 3.32.0* love this bank they take very good care of us. ### 5/5 — Good banking app *2026-03-16, version 3.32.0* Really pleasant experience with the app and the staff as well, really nice and kind people, ready to help! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*