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1. What if I am locked out of my account in Digital Banking?

   To protect your account against unauthorized access, you may be "locked out" if you have attempted to log in to Digital Banking using incorrect login credentials (user name and password) multiple times. The length of time that you are locked out will depend on how many times you have attempted to log in using incorrect credentials. Here is how to regain access to your account:

   Resetting your credentials
   Most lock-out periods are brief, and after that time period has ended, you can reset your own login credentials in Digital Banking by doing the following:

   From a web browser
   From a web browser such as Chrome, Firefox or Safari, go to the home page. Go to the blue Login box on the upper right side of the page. Click on Forgot User ID or Password. You will be asked to provide information to retrieve or reset your login credentials. 

   In the Mobile App
   If you are using the Mobile App, on the Login screen, select Forgot Login. Enter the requested information to retrieve or reset your login credentials.
   

   Please note, that when requesting or resetting your User ID or Password, you will be asked to enter your email or phone number. For security purposes, the email or phone number you enter must match the email or phone number you have provided for your account.

   Contacting Client Care
   If, after trying the above, you are not able to retrieve or reset your password, or you are not able to wait for the lock-out period to expire, please call Client Care at 1-800-731-2265, Option 3, for login assistance.

2. When using an Allpoint ATM, why did I receive a message screen saying I would be assessed a surcharge fee?

   First, if you receive such a message and are an Old National client, be assured that you will not actually receive a surcharge. Due to technical limitations of certain types of ATMs, Allpoint is currently not able to prevent the “surcharge warning message” screen from appearing in some cases. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e. the withdrawal amount on your receipt will show $20, $40, $60 as opposed to $23.50, $43.50, $63.50, etc. shown when you pay a surcharge).

   If you believe you received a surcharge in error, please contact Old National Client Care at 1-800-731-2265.

3. What types of checks can I deposit through Mobile Deposit?

   You can use Mobile Deposit to deposit checks that are payable to you. You cannot use Mobile deposit for the following:

   • Insurance draft checks
   • Checks payable to a person or entity other than you
   • Checks payable to you and another person
   • Checks or items drawn on a financial institution located outside the United States
   • Checks or items dated more than 6 months prior to the date of deposit
   • Checks or items on which a stop payment order has been issued
   • Checks written from an account in which there are insufficient funds
   • Credit card cash advance checks

   If you have questions about checks or items that are accepted through Mobile Deposit, please contact Client Care at 1-800-731-2265.

4. What is a budget draft payment on my mortgage loan?

   With Budget Draft Payment (Biweekly Drafting), a borrower is allowed to make half-payments every two weeks and apply these payments as a full monthly mortgage payment once a month. Some borrowers find it easier to break a payment up over paychecks, instead of making one large monthly mortgage payment. You can set up budget drafting in Mortgage Manager. Our How to Enroll in Budget Draft guide walks you through the process. 

   If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Client Care at 1-800-731-2265 or visit any Old National banking center.

5. Why am I being asked to verify my identity when logging in to Digital Banking?

   If our Digital Banking does not recognize the device you are using to log in, you are asked to verify your identity for the security of your account. There are several common reasons that this happens such as:

   • You recently cleared your browser's cookies
   • You are using a different browser from the one you used previously
   • You knowingly or unknowingly asked to not skip this extra security step
   • You are using your browser in private or incognito mode

   After you complete the verification steps of receiving a code by phone call, text message or email, and you enter it to confirm your identity, you can choose Yes, register my private device to avoid repeating the verification process each time.

   If you have questions about verification, please call Old National Client Care at 1-800-731-2265.

6. How do I sign up for direct deposit?
   1. Gather your account information, including the Old National routing number of 086300012 and your account number found on the bottom of your Old National check. There are three groupings of numbers on the bottom of your check. Your account number is the center set of 7-10 numbers.
   2. Contact your employer or depositor to verify if they have a process for direct deposit.
   3. If you are switching direct deposit from another bank to Old National, you can use our Direct Deposit Switch Form.
   4. Watch for your first deposit, which can take up to two months.

   Direct deposit contact information:

   Type of Direct Deposit	New Direct Deposit (switch from paper checks to electronic deposit)	Existing Direct Deposit (switch from another bank to Old National)
   Salary, Pension, Dividends, Investment income	Contact your employer or payor directly.
   Social Security or Supplemental Social Security	Visit www.godirect.org or call Go Direct at 1-800-833-1795	Call 1-800-772-1213
   Railroad Retirement		Call 1-800-808-0772
   Civil Service Retirement (Office of Personnel Management)		Call 1-800-767-6738
   Veterans Compensation	Call 1-877-838-2778
   Other Federal Agency Benefits	Contact the agency directly or call Go Direct at 1-800-333-1795 to get the phone number of many federal agencies.

7. After I submit a request for information about my loan, how long will it take for me to hear back from Old National?

   Within 5 business days from when we receive your request for information, we will provide you a letter letting you know that we received your request.

   Then, within 30 business days after we receive your written request, we will:

   • Either provide the information requested
   • Or conduct a reasonable search for the information and provide you with a written notice to inform that the information is not available

   If the information you requested is not available, we will mail you a letter with details about how you can contact us if you need further assistance.

   Please note that if we determine that additional time may be required, we may extend the response period by 15 business days. If this extra time is needed, we will mail you a letter before the end of the 30 business-day research period to let you know. The letter will explain the reasons why the extended review is necessary.

8. Can I use my debit card(s) while traveling internationally?

   Yes, you can use your debit card internationally, but we recommend that you make some preparations before traveling:

   • Call Old National Client Care at 1-800-731-2265 or visit any Old National banking center to notify us of your travels before you leave. This will prevent your card from being blocked as a precaution due to unusual activity.
   • Mastercard^® continues to monitor your debit card for suspicious or fraudulent activity while you are traveling. They may attempt to contact you to verify activity on the card, so be prepared to respond to such a call.
   • Take phone numbers with you to report a lost or stolen debit card. Report your lost or stolen debit card 24-hours a day by calling 1-800-731-2265 in the US or 1-812-422-2197 from outside of the US.  
   • We strongly recommend that you take a second form of payment in the event your card(s) is lost or stolen.
   • Please note that when you use your debit card internationally, foreign transaction fees may apply. Old National clients do have access to the Allpoint ATM Network, which has overseas locations and provides access without additional bank surcharges. You can find international Allpoint ATMs by using the oldnational.com locator or our Mobile App locator. 

   If you have questions about using your debit card while traveling, please contact Client Care at 1-800-731-2265.

9. What is meant by multi-factor authentication?

   Multi-factor authentication is a security method that verifies your identity from more than one source. If our Digital Banking does not recognize the device you are using to log in, we use multi-factor authentication to verify your identity for the security of your account.

   You will receive a verification code by the method you select (phone call, text message or email), that you must then enter to confirm your identity and access Digital Banking. If you choose Yes, register my private device, you will not be required to complete this verification process each time.

   There are several common reasons that you may be asked to verify your identity, such as:

   • You recently cleared your browser's cookies
   • You are using a different browser from the one you used previously
   • You knowingly or unknowingly asked to not skip this extra security step
   • You are using your browser in private or incognito mode

   If you have questions about verification, please call Old National Client Care at 1-800-731-2265.

10. Do I need to inform Old National of damage to my home or vehicle?

    Yes! If you have damage to property that is financed through Old National, we need to be an active part of your insurance claim process. Your loan with us is based on your home, vehicle or other property value, so we want to ensure it is repaired and the value maintained.

    The process for reporting property damage differs based on the type of property, so we have developed the guides below to assist you:

    Home mortgages

    • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including where to report damage to your home.
    • Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

    Consumer loans
    For consumer loans, such as a vehicle or boat, quick home refi, home equity loans, including second mortgages, please use our Guide to Insurance Claims for Consumer Loans.

    Commercial loans
    For commercial or business property, contact your Old National Bank commercial lender for guidance.