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1. How do I use Zelle®?

   You can send, request or receive money with Zelle^®.

   To get started, log in to Old National’s Online or Mobile Banking, navigate to Send Money With Zelle^® in the Mobile App Payment Center or the Move Money tab in Online Banking. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle^®.

   To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.¹

   To request money using Zelle^®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request.²

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

   ¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®.
   ² In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.

2. How do I get started with Zelle?

   It's easy — Zelle^® is already available within the Mobile app and digital banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

3. I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

   If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^® for these types of transactions.

   These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Old National nor Zelle^® offers a protection program for any authorized payments made with Zelle^® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

4. Why is LIBOR being discontinued?

   LIBOR was introduced in the 1980’s as a benchmark interest rate that was intended to reflect banks’ average cost of short-term, wholesale unsecured borrowing. Over time, and particularly during the financial crisis that began in 2007, banks became less and less reliant on inter-bank lending. As a result, the number and dollar volume of transactions from which LIBOR was derived declined dramatically. To make up for this shortfall, LIBOR panel banks resorted to using “expert judgment” when submitting various rates used in calculating LIBOR. This left it susceptible to manipulation and fraud.

   In 2017, the UK Financial Conduct Authority (FCA), the regulator for LIBOR, announced that after December 31, 2021, the panel banks would no longer be required to submit settings for LIBOR. (This has since been revised to June 30, 2023, for most LIBOR tenors.) This announcement effectively started the countdown to the end of LIBOR.

5. Am I eligible for an SBA loan?

   SBA lenders and SBA loan programs have different eligibility requirements. However, there are some basic requirements:

   • Location: Your business must be physically located and operate in the U.S.
   • Business type: Your business must be for-profit and in an eligible industry.
   • Investment: You, as the business owner, must have invested time or money into the business.
   • Size: Only small businesses qualify. The definition of a "small business" is based on number of employees or average annual receipts. Size standards information can be found on the sba.gov website.
   • Loan application history: You must not be able to get more traditional financing at favorable terms.

   You should also be able to demonstrate your ability to repay the loan and have a sound business purpose and plan.

   To learn more about SBA loans at Old National, please visit our SBA Loans website page.

6. How do I set up automatic debit card payments?

   Autopay is a great way to avoid late fees and save time managing your bills and subscriptions for things like internet, phone, and streaming services. To set it up, contact your service provider and ask them to put your bill on autopay.

   You can easily see which merchants you have automatic payments with in the Old National Mobile app.

7. Where can I find rates on the website?

   Currently, most deposit and loan rates are not listed on our website, as it is best for us to discuss your specific needs and the best options available to you. Please visit a banking center near you.

   We do provide our latest mortgage rates online. Visit our Mortgage Purchase Rates page or our Mortgage Refinance Rates page, depending on your needs.

8. How do I manage sub-user access in Shared Access?

   In Shared Access, sub-users are not allowed to use the mobile app, so managing your sub-user is done via the web browser.

   To manage your sub-user, log into Digital Banking on a web browser.

   • Select Additional Services, then Share access with others.
   • You can toggle the access from Yes to No.
   • The Options button allows you to Update Profile, Reset Password or Delete the sub-user.
   • Update Profile allows you to manage the users personal information or what accounts they have access to.
   • Reset Password allows you to provide the sub-user with a temporary password. The user will receive an email that the password was changed, but you will need to verbally provide the password to the sub-user.
9. How can I find fee free ATMs?

   With your Old National debit/ATM card, you can use any Old National or Allpoint ATM with no fees. (Please be aware that Old National charges a $2.50 fee when you use a non-Old National Bank or non-Allpoint ATM.)

   You can find Old National and Allpoint ATMs near you by using the locator on oldnational.com. When searching, select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find your nearest ATMs.

   The Allpoint ATM network provides 55,000 surcharge-free ATMs located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS, Kroger, Target, Walgreens, Winn-Dixie and many others.

10. What are your hours?

    Our lobby and drive-thru hours vary by location. You can find banking center and Wealth Management hours on our locator page.
    
    Once on our locator page, enter the branch address (as much as you know), city and state in the Search box. In the list of banking centers on the right, you will see drive-thru and lobby hours.
    
    You can also find locations and hours in our Mobile App. Just select Locations on the log in screen. Enter a zip code or city. Tap the purple pin of your desired banking center. Then tap the information icon (i in a circle). This will bring up the location hours.