To ensure your security online:

• Old Second only allows you to access your account information online if you have registered for O2 Online Banking services. You will always need login and password information in order to be able to access your information.
• Old Second sends an e-mail if your e-mail address is changed through O2 Online Banking to ensure the change was made by you.
• Old Second provides token devices to offer a unique, one-time use password for entry into O2 Online Banking. This drastically reduces the risk of an unauthorized access due to password guessing.
• Old Second business customers may request that online services are only accessible from the IP addresses they provide. Requests may also be made that restrict access to the service during specific times of day.
• Old Second automatically places new business cash management users in a “hold” status until Old Second verifies the new user account was created by an authorized person.
• Old Second does not recommend sending confidential/personal information through unsecure methods. E-mail sent to us through your O2 Online Banking account by clicking on Contact Us is a secure e-mail method and therefore, is the recommended method of sending e-mail. Other secure methods of transmitting this information would be by visiting any of our locations or by calling us at 630-892-0202.

For more information, read our Full Privacy Statement or contact an O2 Fraud Specialist at 630-892-0202.

Here are 12 tips that can help you from becoming a fraud victim:

• Limit the amount of personal information submitted online.
• Be suspicious about emails you receive that contain an urgent request for your personal financial information. Even though they may resemble messages from a financial institution you deal with, reputable financial institutions do not request information through e-mail.
• Before submitting information online, be sure the site is secure by locating an icon at the top or bottom of the screen that looks similar to a padlock. This identifier ensures that the site is secure.
• Be sure that your Internet browser is up to date with the latest security updates, as well as your antivirus and anti-spyware programs. Scan your computer regularly for malicious code.
• Log out of online banking once you complete your business and close the browser.
• Never leave your computer connected to the Internet when you are not using it.
• Set up your online accounts for alerts to be sent to you notifying you whenever a specific action—like an ACH Debit or transfer—takes place.
• Review account statements often and carefully, including bank and credit card statements to ensure no unauthorized charges or withdrawals appear.
• Review your credit report periodically to ensure no new accounts have been opened in your name.
• Only provide personal information by phone (or e-mail) when you have initiated the contact.
• Shred any personal/financial information that is no longer needed by you. Try not to leave your personal information (including mail) in open or obvious places.
• Investigate any suspicious activity on any account immediately.

If you think your personal financial information has been compromised, contact an Old Second Fraud Specialist at 630-892-0202 for information on initiating a credit freeze.

What is Phishing?

Phishing (pronounced "Fishing") is a form of criminal activity that employs social engineering techniques to acquire sensitive information such as passwords and credit card details. By masquerading as a trustworthy person or business in an apparently official electronic communication like e-mail, criminals use sophisticated lures to "fish" for users' financial information and passwords.

What is Spoofing?

Spoofing is the attempt to send an e-mail from an invalid source. These types of messages appear to be coming from a valid source, but actually attempt to lure you into providing personal information.

What do I do if I have responded to a phishing attempt?

Based on the information that was compromised and the data that was shared, each situation could have a different response. At Old Second, we'll help you decide what the best approach is to take to help correct what has been done. Contact security@oldsecond.com, or call 630-892-0202 to have an O2 Fraud Specialist help you determine the course of action needed.

Should I ever provide my User ID or Password information in an e-mail?

You should not provide your User ID or Password information in an e-mail unless the means of sending the message is secure.

Are there times where Single-factor Authentication would be adequate?

Single-factor authentication alone would be adequate for electronic banking applications that do not process high-risk transactions, (i.e.: systems that do not allow funds to be transferred to other parties or that do not permit access to customer information.)

What Purpose do Security Questions Serve?

Security Questions are used to help prevent unauthorized users from accessing your Online account. Even if your Online ID and password have been stolen, the system will now recognize the location in which you are signing in. This will prompt a Security Question for a second level of authenticating your access.

What is a Watermark?

A Watermark is a security feature that is part of your sign on information. A Watermark’s purpose is to reassure you that you are at Old Second’s actual site. This is an added feature to enhance your security.

Would someone from Old Second be able to change my Security Questions or Watermark?

No, bank personnel do not have the ability to change the information that a user selects. However, we can assist with password resets.

How do I know I am at the valid O2 Online Banking Internet site?

Your previously selected image will appear confirming that you are at the Old Second Bank’s Website.

For more information regarding financial fraud and current scams, please visit the sites of the FDIC, FTC and Federal Reserve.

Who to Contact Regarding Fraud or Suspected Fraud

To report a suspicious e-mail or to contact O2 Security regarding possible fraudulent activity, please e-mail security@oldsecond.com.

Who to Contact Regarding a Lost Checkbook or O2 Debit Card

To report a lost or stolen checkbook or O2 Debit Card, e-mail supportcenter@oldsecond.com or call 630-892-0202 (for missing checkbooks) or 800-754-4128 (for a missing O2 Debit Card).