O2 Digital Banking App Reviews

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Hate this Bank. Get your money out now. I’m on the phone sometimes multiple times a month checking on funds they moved without permission. I miss west suburban so much.

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.

Hard to use. I use the Chase mobile deposit all the time for my business — easy and no issues. I had to try multiple times with this one — very frustrating.

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

Mobile deposit is harder than it should be. I have accounts with chase and old second. Old second Mobile deposit is harder than it needs to be. The back must be endorsed perfectly or it will reject. The images don’t auto capture, and if it’s slightly blurry it will reject. When the images are rejected, you then need to drive to a bank to deposit- the whole process shouldn’t be so difficult. I’ve been spoiled with the ease of Chases mobile deposit system

Mobile deposit directions. Directions should be before photos.

Mobile Deposit. The mobile deposit feature needs serious work. I follow all of the instructions but can never get my deposit accepted. It rejects instantly and I need to retry about 15 times.

West suburban was better. App is confusing and 80% of the features don’t work yet

Deposits.. No one at the bank can tell me the max mobile deposit. Then it takes 4 times to submit because the app can’t read

Horrible for depositing mobile checks. This was the main reason I opened a local account with them and this is the worst app for trying to deposit a check. If there is a piece of dust on the check it will be rejected.

Thanks. Thanks for making banking so simple!

System Upgrade. I cannot get into my account. It says I have to upgrade to the next version but gives me no way to do that. I just go in circles and never get in. How do you initiate the system upgrade? There is no place it tells you or let’s you do that!

Bank Switched, this is way worse. It's very hard to navigate my purchases on this app. Everything is titled with "debit" and a bunch of numbers rather than where i made my transactions. Depositing checks online should be way easier than they make it too. I tried to deposit something, and it took 3 tries because of error codes that don't tell the user anything and just make it more frustrating.

Easy to use website. Mobil app is easy to download and easy in functionality and navigate .

The App. I haven’t had it very long, so it’s different than what I’m used to.

Helpful!. The Old Second app is super helpful. Nice to be able to take care of so many things and have banking capability at my fingertips 24/7.

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?

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.

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!

Transferred from WSB. Not impressed. No one responds to messages. Cant reach anyone from the supplied phone number. No one calls back when you leave a message. Can’t deposit checks because my account is locked even though I was a loyal customer of WSB for 20+ years. Just a number now I guess.

Leaving. One of these days I’m going to leave this bank. Take forever to get a live person in the phone. Mobile deposit checking is tough if you do t have the best hand writing. My 7 year old children has a savings account and it’s flagged for inactivity. Come on…..

WELL WORTH THE EFFORT. I gave Old Second Digital Banking 5 stars despite their use of a font that is so small and pale that it’s a real challenge to see correctly if you are over 40. However, once you are into the system, it is a treasure trove of information, clearly and logically displayed. You will experience the joy of not having to calls the bank!

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.

Bye bye. Can no longer use with older iPhone so I opened an account with earth movers credit union today, should have done so long ago.

Merge. Worst transaction for customer service from one bank to another possible

Always a problem. The app doesn’t read the “For Mobile Deposit” checkbox on the back of the ADP check and so it would not allow the deposit unless i hand write it which took more time and complexity.

Digital deposit. The camera feature is awful. It says to tap in order to take the check picture. It does not work smoothly. After tapping a few times then suddenly it will turn on the flash to take the picture. This causes the phone to shake and will possibly make the picture unclear. The system that WSB used was actually a lot easier and overall a far superior system. I am sure nothing will change but I thought you should know. Ian Goldberg

Worthless mobile deposit. I’m annoyed to begin with since this bank took over my longtime local bank. To then have the gall to have a mobile app that barely lets you deposit anything since it can’t tell that you HAVE written “for mobile deposit only” on the endorsement and refuses to deposit your check only makes things worse. (Also you’re limited to $9000 a month in mobile deposits? Never seen a monthly cap at a bank before. Reasonably well designed app beyond that, but it’s a one star for me until you fix the key feature of a mobile banking app.

Very upset with the app. The mobile app will have me change my password every week! I keep the app updated and I still always get locked out of my account every few days! Causing me to have to do the password recovery and create new passwords over and over again. Now it cannot even locate my account even with the same credentials I’ve used for unlocking my account all the other previous times. I’ve deleted and downloaded the app again and the same stupid issue always returns. Highly disappointed if I could rate 0 stars I would. Please fix this app!

Come back WSB. This bank took over and now I cannot pay my bills or see any transactions…I will be closing my account if this doesn’t get fixed ASAP…BTW they don’t answer the phone either

Very nice app, shame mobile deposit is difficult. I just switched from US Bank due to a lack of branches near me so I was very surprised and impressed with all the features available on O2 digital. The iOS app is useful and modern looking too, but my only complaint is that depositing checks is way more complicated than US bank. The “For Mobile Deposit” endorsement is not very clear and doesn’t work sometimes

Bad. Can’t schedule payments for a later date. Horribly inconvenient.

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

Digital banking. Your digital banking is much more complicated than what I had with West Suburban. It takes me much longer to pay my bills and make sure I’ve done everything correctly. There are too many steps to go through.

Mobile deposit. I have a check that has a check box for “mobile deposit” your software failed to see that. A rejection box showed up saying that a endorsement signed was needed even though I already placed a signature. Had to write my signature twice and physically write “ for mobile deposit only”

Orchard Branch. Olympia and Taylor… Best of The Best! The whole team there knows me and my two Boston terriers, Bailey and Molly. It’s a pleasure every time I go into the bank or through the drive-through I left fifth third with my business and personal account, moved it to the Orchard branch. Because Jane used to be there and Taylor is there now I worked with them both in a previous life.

A few things would help. Pretty easy to use. Really wish bill pay was organized by date so I could see what will be going out in the next week!!

Confusing. Cannot isolate deposits for online income verification for online applications

Can’t photo deposit checks anymore. I was so happy when O2 seemed more competent than WSB after they bought WSB. Weird stuff has been happening with the deposit check app. Last couple of weeks it shows my check availability almost immediately but can’t use the funds. This week I have lost the ability to photo check deposit. Right before the holiday weekend. Cool. I guess I’ll starve. I do not have the ability to come to the bank to fix this in person hence using the mobile app for photo deposits.

Merger. Customer service non existent. Took five days for a call back. Other times over 20 minutes on hold (at least twice)without talking to a person before finally hanging up.

A joke. The banking app is a joke. Only the “Primary” person on the account can see all the options on the dashboard. The payees are not the same for 2 profiles. It’s ridiculous. Options are not available to all the people on the account. Boy do I miss West Suburban!!

Bad customer service. Terrible customer service. Terrible percentage rates on accounts. I give this bank .02 stars

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!

Limited options on the app. Use the web interface to the online banking portal. The app is good at checking your accounts but the bill pay functions are limited. You can do more on the web than in the ap. That alone is why I gave it two stars. The west suburban bank app was much better. Too bad that they did not check to see who had the better apps after the merger and not force us to use the worst of the two. If it were not such a bother to change banks I would have done so already.

Deposit amount. Deposit amount is to low.

Thank you!. Very helpful! Love this Bank!

Such great service. This bank makes my life easier with how helpful the people are at the bank and online.

Terrible check cashing. Had to resubmit checks over 5 times. Kept getting server error.

Dashboard. I don’t like that if you have multiple accounts on the dashboard it includes all transactions for all accounts.

West Suburban Bank Legacy customer here. Transfers from accounts take longer, bill payments take longer, and overall miss WSB.

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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.

Love the new app!. Brilliant!

Nice. Nice

Good thanks. 🙏🙏🙏

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

It’s time to give up.. They broke out the B team for this new app. Totally useless.