O2 Digital Banking
How much does O2 Digital Banking cost?
Prices are current as of 12 Sept 2026.
O2 Digital Banking has no in-app products on record in the United States.
10+ alternatives to O2 Digital Banking
| O2 Digital Banking |   First Merchants Mobile App |   Wintrust Community Banks |   Greenwood - Mobile Banking |   Byline: Personal & Business |   First American Bank |   DuPage Credit Union |   Earthmover Credit Union Mobile |   FreedomRoad Financial Mobile |   Evergreen Bank Group - Mobile |   NuMark Credit Union | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.7 | 4.7 | 4.8 | 4.8 | 4.7 | 4.8 | 4.9 | 4.8 | 4.6 | 4.6 | 3.7 |
| Reviews | 11K | 28K | 23K | 7.5K | 7.1K | 6.6K | 3.9K | 2.1K | 620 | 164 | 27 |
| Released | 2020 | 2015 | 2022 | 2022 | 2019 | 2022 | 2016 | 2017 | 2022 | 2014 | 2015 |
O2 Digital Banking reviews
4.7 out of 5, based on 11,421 reviews.
What people like
- Customer service staff are kind and helpful
- The interface is easy to navigate
- Bank provides great care and convenience
What they complain about
- Mobile check deposits are frustrating and often rejected
- App crashes or freezes after recent updates
- You cannot type directly into input fields
- Daily deposit limits are too low for needs
Thanking you
Always there to help!!!
Broken deposit app
You have broken my ability to deposit into the right account. Sigh.
Good Morning
I love the convenience
Update messed it up
Won’t open at all now after last update
Mobile deposit endorsement
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.
Buen servicio
Me encanta
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
Great except for remote dep issue
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.
Limits
$5k daily limit. Not cool. Should be a percentage. IE 15% of total savings = daily limit
Deposits not user friendly
Although the mobile deposit feature is relatively easy, the banks daily limits are not accommodating to real life needs!
Easy, quick, & user friendly !!
I love using this app for urgent transfers or to look up any details ! So easy to navigate the app as well !
Mobile deposit phasing is ridiculous
Check deposit feature is terrible
Review
Like the app. I don’t like that you have to deposit by 7PM to have it post to your account the next day. Other banks do not have a cut off. Do better!
Mobile deposits
Mobile deposits are challenging. Even when you endorse the back of the check properly, it wants to reject it.
Deposit
System cannot read mobile deposit only Old 2nd
Deposit
It was hard getting the correct photo for the deposit. Ask me numerous times to write old second national bank mobile deposit only.
Update
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!
Photos not accepted
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.
Depositing checks
The software on the phone app is not very good. You have to retake the back side picture way to many times before thy accept it. Everything else is great!!!
On line check deposits!
Love how easy this is and saves so much time! Thanks for this option.
Older I pads can’t update the app
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 .
Please fix!!
app not working at ALL after update. just a green screen
Mobile deposit
The picture is always rejected on the back of the check. I have to take multiple retakes in order for it to be accepted. Also, what has to be written on the back of the check is entirely too long!
Can't update app
It just takes me in an endless loop
Customer service
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.
Can’t type in fields
Can’t type in fields. Must cut and paste into fields. For example, asks for my phone number, but you can’t enter it. I had to go to my address book, copy my phone number, and paste it into the field.
Old second online banking
Enjoying the app. Easy to navigate
Mobile deposit
Rejects many payments endorsed properly
Badly tuned character recognition
Often does not accept checks with the error message that it needs “For Mobile Deposit Only “ which is already clearly printed on the check.
A large small town bank.
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.
Bricked
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.
O2
love this bank they take very good care of us.
Bad
This is by far the worst mobile banking app I’ve ever used. Almost childlike in its quality.
Good banking app
Really pleasant experience with the app and the staff as well, really nice and kind people, ready to help!
Horrible
Very few features. Horrible check depositing. I have been banking here my entire life since it was West Suburban but I may change banks this is so bad.
O2 Digital Banking FAQ
- Is O2 Digital Banking free?
- Yes. The app is free, in all 6 countries it sells in, and it sells nothing inside it.
- Does O2 Digital Banking have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to O2 Digital Banking?
- First Merchants Mobile App (4.7 from 28,481 reviews), Wintrust Community Banks (4.8 from 23,410 reviews) and Greenwood - Mobile Banking (4.8 from 7,464 reviews).
O2 Digital Banking download
Last updated 1 month ago.
O2 Digital Banking sells in 6 countries. It was released 6 years and 2 months ago, on 27 Jul 2020. It holds a 4.7 rating from 11,421 reviews.
Supports 2 languages: English, Spanish.
How much does O2 Digital Banking make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.