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FAQ

Frequently Asked Questions about the Gift Card

Is the Old Second GiftCard a credit card?
Where can the Old Second GiftCard be used?
Who might like an Old Second GiftCard?
Is there a limit as to how much value the Old Second GiftCard can have?
Who can order or use the card?
What are the fees to buy the Old Second GiftCard?
When does the gift recipient receive the card?
Will the gift recipient receive a statement?
What happens if I need to return an item?
What if the purchase is denied?
Does the Old Second GiftCard have an expiration date?
Can I reload my Old Second GiftCard?
What happens if there are still funds available when my Old Second GiftCard expires?
What happens if my Old Second GiftCard is lost or stolen?
Can the card ever have a negative balance?

Is the Old Second GiftCard a credit card? [back to top]

No. The Old Second GiftCard is a prepaid MasterCard card that carries a fixed cash amount determined by the giver at the time of purchase. Each time the gift recipient uses the card, the purchase amount is deducted from the available balance.

Where can the Old Second GiftCard be used? [back to top]

The Old Second GiftCard can be used to make purchases everywhere MasterCard is accepted, at more than 19 million MasterCard merchant locations.

Who might like an Old Second GiftCard? [back to top]

Anyone. Friends, relatives, business associates. It's a gift that can be used everywhere MasterCard is accepted.

Is there a limit as to how much value the Old Second GiftCard can have? [back to top]

Yes. The minimum value the Old Second GiftCard can have is $25 and the maximum value is $500.

Who can order or use the card? [back to top]

Anyone can order the card through this web site at www.o2bancorp.com, or by phone at 1-866-874-9027.

What are the fees to buy the Old Second GiftCard? [back to top]

(a) Internet Purchase Fee: $2.00 plus $2.00 shipping and handling.

(b) Branch Purchase Fee: $2.00

(c) Replacement Fees. A $7.50 fee will be imposed for the replacement of a lost or stolen Card and will be deducted from the remaining Card balance.

(d) Inactivity Fee. Beginning the 7th month after the Card is issued; a monthly maintenance fee of $2.50 will be deducted from the remaining Card balance.

(e) Account Closure Fee to Refund Unused Card Balance. A $10 fee (or the remaining balance if it is less than $10) will be deducted from your remaining Card balance before sending you a check for the unused balance when you close your card or when the Card expires.

(f) Express Delivery Fee: $15.00

When does the gift recipient receive the card? [back to top]

All cards are mailed the next business day, as long as the order is placed before 4:30 PM EST. Typically, the gift recipient should receive the card within five to seven business days after the order was placed. The card is delivered with a carrier that includes information on who sent the card, the greeting message and the card value amount.

Will the gift recipient receive a statement? [back to top]

Gift recipients can review their current balance online free of charge through this Web site. In addition, the gift recipient can call the toll-free Old Second Cardholder Services number 1-866-874-9027 to receive balance and transaction information.

What happens if I need to return an item? [back to top]

Each merchant location has its own return policies and will handle the returns in the same manner as any other MasterCard transaction. They may credit your Old Second GiftCard, provide a cash refund, or a store credit.

What if the purchase is denied? [back to top]

The card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that use of the Old Second GiftCard at some merchants - for example, restaurants, mail-order companies, and cruise lines - requires the card have an available balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses. Use of the card at automated fuel dispensers requires a minimum balance of $30. However, only the actual amount spent will be deducted from the card.

Does the Old Second GiftCard have an expiration date? [back to top]

Yes. It expires 18 months from the purchase date, as indicated on the front of the card.

Can I reload my Old Second GiftCard? [back to top]

No, the card cannot be reloaded.

What happens if there are still funds available when my Old Second GiftCard expires? [back to top]

We encourage you to use the entire gift amount before the card expires. There's a $10 administrative fee to close out the account (or the remaining balance if it's less than $10). Any remaining balance would be returned to the recipient by check within four to six weeks.

What happens if my Old Second GiftCard is lost or stolen? [back to top]

Old Second provides 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 1-866-874-9027. A replacement card will be issued and any available balance will be transferred to the new card, less a $7.50 replacement card fee that will be deducted from the card's available balance.

Can the card ever have a negative balance? [back to top]

Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a MasterCard merchant puts an item through without prior authorization. If an overdraft occurs, the card recipient will be required to make a payment to cardholder services to cover the negative amount.

Payments should be sent to:
Old Second Cardholder Services
P.O. Box 550129
Fort Lauderdale, FL 33355




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