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      1. What if I used my debit card at a business or merchant that was breached?

        What you need to know:
        Unfortunately, merchant breaches happen from time to time but you can feel confident that Old National is protecting the security of your accounts. Old National monitors for unauthorized and suspicious activity.

        Things you can do to help guard against unauthorized use of your debit card:

        • When using your debit card, choose “CREDIT” to receive the benefit of Mastercard® Zero Liability protection which guarantees 100% protection if your card is lost or stolen so you will never pay for unauthorized purchases

        What you need to do:
        Monitor your account for fraudulent activity and report anything suspicious.

      2. Where can I find the phone number or email to contact a branch manager?

        Banking center manager names and emails can be found on each banking center's page. The page will also provide the banking center phone number.

        To find your local banking center's page, go to our locator. In the Search box, enter the branch address (as much as you know), city and state. In the list of banking centers on the right, click on the banking center you are looking for.

        This will take you to that banking center's dedicated page. On the left of that page, you will see the banking center manager's name and a link to send an email.

      3. How can I cancel my electronic mortgage statement and receive a paper one by mail?

        You have two options for cancelling electronic mortgage statements.

        First, you can de-activate electronic mortgage statements within Mortgage Manager. Just follow these steps:

        1. Log into Old National Online Banking with your usual User ID and Password
        2. From the summary of accounts, select your Mortgage Loan
        3. This will take you to your Old National Mortgage Loan detail page
        4. Hover over Statements and Documents and select Electronic Mortgage Statements
        5. Select Change Delivery Preferences
        6. Then select Paper Mortgage Statements
        7. Finally, select Save

        Your other option is to call or e-mail Mortgage Servicing at 1-812-468-1800 or mortops@oldnational.com to request the change.

        If you change your mind at any time and would like to resume receiving electronic statements, you can re-activate this service in Mortgage Manager or call us.

      4. How do I set up and use Card Controls?

        Card Controls enable you to monitor debit card activity, receive alerts for certain types of
        transactions and turn your card off/on in the event that it is lost or stolen.

        On a Web Browser

        To set up Card Controls through a web browser, log in to your Digital Banking account on oldnational.com. Select Additional Services at the top of the screen and then Card Controls.

        You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

        Setting Card Controls to "ON" or "OFF" 

        • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
        • Setting the debit card status to “OFF” suspends all activity on the card. The status must be set to “ON” to use the card.
        • A debit card must be in “Active” status to add Declines and Alerts.

        Setting debit card Alerts

        • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
        • To set up an Alert for a specific Transaction Type only, choose that transaction type. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
        • When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.

        Declining debit card transactions

        • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline. Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
        • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked.

        Setting Spend Limits

        • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
        • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
        • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
        • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

        A note about Email vs. Text Alerts
        Card Control Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

        Mobile App

        Tap on the more button, under Payment Center tap Debit Card Controls

        You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to ON the first time you view them. Suspended cards which are not available for Card Controls are displayed as OFF.

        Setting Card Controls to ON or OFF 

        • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
        • Setting the debit card status to OFF suspends all activity on the card. The status must be set to ON to use the card.
        • A debit card must be in Active status to add Declines and Alerts. 

        Setting debit card Alerts 

        • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
        • To set up an Alert for a specific Transaction Type only, choose that transaction type.
        • Set the Send Alerts option to ON.
        • When an Alert is turned on, you will see a blue bell next to it. When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert. 

        Declining debit card transactions 

        • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline.
        • Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
        • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked. 

        Setting Spend Limits 
        When Spend Limits are set on your debit card, transactions made over a certain amount will be declined.

        • To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
        • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
        • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT.
        • Enter the minimum dollar amount for which you want to receive an Alert.
        • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100. 

        A note about Email vs. Text Alerts 

        • Card Control Alerts are emailed to the email address listed in Digital Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too.
        • There is not a way to turn off the email alerts.
        • You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.
      5. How do I set up a sub-user in Shared Access?

        As the primary user of digital banking, you have the ability to grant another person or persons (sub-users) access to your digital banking account. You have sole authority and control in sharing access with, managing and disabling sub-users and/or their respective authority. In setting up sub-users to your account, you authorize Old National to act on transaction instructions initiated under the credentials of authenticated sub-users, just as if it was initiated under your credentials. 

        Sub-users access is limited to web browser only.

        • From within a web browser, select Additional Services, then Share Access with Others. 
        • Select Add person. 
        • Enter the identifying information about the sub-users. 
        • Select Grant full access to all accounts or next to each account, select
        • Click to grant access to each individual account. 
        • You will need to setup if the account is View Only, can make internal transfers or bill payments.
        • If you choose to allow bill payments, you will need to set an approval limit as well. 
        • Click Save and then Continue to agree to the Terms of Use. 

        The sub-users will receive an email at the address you provided and will need to setup their access within 30 minutes. They will log in and verify identity with the phone number you provided. The sub-users will then be able to log in to your account with their own user ID and password.

      6. What costs will I have to pay at a mortgage closing?

        Closing costs include a number of fees and will vary based on your agreement, your loan, your lender and even what state you live in. But you typically can expect to pay between 2 and 5 percent of the home’s purchase price to cover these costs.

        You can expect to see fees for the third parties and reports involved in your home purchase (including attorneys, couriers, title searches, inspections, appraisals, surveys, transfer records, property research, underwriting and more), and you also may have to pay for any upcoming property taxes.

        Insurance also plays a large role in closing costs. For example, you may need to pay your premium for the first year of homeowner’s insurance at closing, as well as title insurance, and Private Mortgage Insurance (if your down payment is less than 20 percent).

        Your mortgage expert can provide an estimate of these closing costs after you apply for your mortgage.

      7. What information do I need to apply for a business loan?

        Our documents you will need page can help you prepare to apply for a business loan. Here you will find a checklist of items we will need to consider your business loan request, including small business administration and commercial real estate loans.

        You will also find a link to our Personal Financial Statement form, Personal Financial Statement WI Residents Only residents and our SBA Loan Submission Packet.

        To start your business loan application, please call us at 1-800-731-2265, visit a banking center or send an information request form.

      8. What do I do if I received a suspicious phone call claiming to be from Old National?

        What you need to know:
        If you receive an unexpected phone call that appears to be from Old National seeking personal information, follow these steps:

        • Be suspicious
        • Hang up
        • Call Old National at 1-800-731-2265 Monday-Friday, 7am to 6pm CT or Saturday, 7am to noon CT

        What you need to do:
        If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm CT or Saturday, 7am to noon CT.

      9. What types of business accounts do you offer?

        Old National offers a wide range of business and commercial banking products including:

        • Loans and lines of credit
        • SBA loans
        • Business credit cards
        • Investment real estate
        • Community development lending
        • Business checking
        • Online and mobile banking
        • Treasury Management solutions and
        • Merchant Services

        We also provide products and services for your employees, such as Health Savings Accounts and retirement planning. Our Partnership Banking program offers special perks and services to help your employees save money and achieve their financial goals.

        To learn more, please call us at 1-800-731-2265, stop by any banking center or visit the Business Banking Solutions page on our website.

      10. What is the "Pending" transaction in my Digital Banking transaction history?

        When you see “Pending" transactions in your Digital Banking history, it can represent two different types of activities on your account:

        ATM or Debit Card Transactions
        This "Pending" transaction could be a recent ATM or Debit Card transaction that has not yet posted to your account. For example, it could be an ATM withdrawal or a Debit Card purchase you made from a merchant. You will be able to see specific details, such as the name of the store where you made a purchase, after the transaction has posted to your account. 

        Certain Deposits
        A "Pending" transaction can also be a recent deposit which has checks or other items from a bank other than Old National and are, therefore, not available for you to immediately withdraw. This type of transaction will show under "Pending," as both a deposit and as a withdrawal, until Old National collects the funds from the other bank. Once these funds are collected, they will become part of your available balance and will no longer show as a withdrawal on your account. This could be as soon as the next business day after your deposit is made, but in some instances it may be longer.

        To obtain additional details about "Pending" transactions, you can contact Client Care at 1-800-731-2265.