O2 Digital Banking Reviews

O2 Digital Banking Reviews

Published by on 2026-05-22

🏷️ About: O2 Digital Banking is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances.


       


Is O2 Digital Banking Safe to Use?

We Investigate the app owner's website (Oldsecond.com), verify their legitimacy, and uncover hidden scams and complaints.


Overall Customer Experience 😎


🤬 Negative experience
64.3%

😎 Positive experience
35.7%

🫥 Neutral
0.0%

~ from Justuseapp.com NLP analysis of 10,736 combined software reviews.

Is O2 Digital Banking Safe?
O2 Digital Banking appears generally safe, but use with caution.
35.7/100

  Safety Analysis »»

Is O2 Digital Banking Legit?
O2 Digital Banking appears legitimate, though exercise caution.
35.7/100



Summary of Customer Reviews (Takeaways): 💎

- Friendly and professional service at the Ottawa, Illinois drive-up facility.

- Efficient app that makes paying bills and checking balances and payments easy.

- Easy transfer between accounts.



Read 17 Customer Service Reviews 😠💢

4.7 out of 5
Hate it

My balances aren’t showing. I prefer Ally. Their app is so much better. I’m trying to convince my parents that Old Second is not beneficial to us anymore.

Doesn’t update

I hate it...doesn’t work properly on iPad and can’t find my statements!

New app

Don’t really care for the layout of this new app!

Terrible

The “transaction” page never shows current charges I have been living for a week with out really knowing my current balance because of it’s terrible lag.

It’s time to give up.

They broke out the B team for this new app. Totally useless.

Recurring payment glitches

Not able to start recurring payments with first payment in the current month. Doesn’t work properly, had to choose one time payment. Very frustrating!

Basic

This is the most basic app I’ve have ever seen in banking. Can you please get Zelle. Ask your customers what they see in the marketplace that excites them and add those features.

Mobile deposit directions

Directions should be before photos.

Update

Every time I open 02 I am asked to update and in 6 days now my login won’t work. I updated the first time I saw the message but it won’t go away?

Update: 11.10.20

Originally, I wrote that the facial recognition for logging in no longer works. It turns out that it was “turned off,” somehow by itself, in my account settings; I didn’t do that. I was able to toggle the switch to facial recognition “on,” and now it works.

Good thanks

🙏🙏🙏

Ottawa drive up

The ladies at the Ottawa, Illinois drive up are so friendly and professional. They answer all my questions and are very helpful. It’s a joy to do business at that facility!

Incredible and efficient

What an efficient app! It makes paying bills and just checking on balances and payments super easy!

Love the new app!

Brilliant!

Thank you!

Very helpful! Love this Bank!

Thanks

Thanks for making banking so simple!

Transferring

It’s so easy to transfer between accounts. Everything seems so easy now.



Is O2 Digital Banking Safe? 🙏

O2 Digital Banking appears generally safe, but use with caution. JustUseApp Safety Score for O2 Digital Banking is 35.7/100.
This assessment is based on our NLP analysis of 10,736 user reviews. Combined with the app store average rating of 4.7/5.

Safety Analysis

84.1% of users say app is safe 👍
84.1%

10.7% of users have some concerns ⚠️
10.7%

5.1% of users say app is risky 🚨
5.1%


Is O2 Digital Banking Legit? 💯

O2 Digital Banking appears legitimate, though exercise caution. Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for O2 Digital Banking is 35.7/100 .
This conclusion is based on analysis of 10,736 user reviews.

🔏 Privacy & Data Safety

O2 Digital Banking collected the following data from you:

  • Data Linked to You:
    • Financial Info
    • Contact Info
    • Contacts
    • User Content
    • Identifiers
    • Usage Data
    • Diagnostics
  • Data Not Linked to You:
    • Location



How was your experience with O2 Digital Banking? Post a Review




Features

O2 Digital Banking is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view.

To use the O2 Digital Banking app, you must be enrolled as a Old Second National Bank digital banking user.

If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances.

Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices.

  Contact Support
Developer:
Old Second National Bank


Website: