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  1. What is the timing for the discontinuance of LIBOR?

    There are two main deadlines for the discontinuance of LIBOR. First, the banking regulators including the Office of the Comptroller of the Currency (OCC), the Federal Reserve Bank (Fed) and Federal Deposit Insurance Corporation (FDIC), had directed banks to stop using LIBOR in new financial contracts as soon as practicable, but no later December 31, 2021. Secondly, for all existing contracts that mature after June 30, 2023, LIBOR will need to be replaced with a new benchmark interest rate.

  2. What is the Main Street Lending Program?
    The Federal Reserve Main Street Lending Program is structured to keep credit flowing and provide low-cost loans to small and mid-size businesses that were in good financial standing before the onset of the COVID-19 crisis. If you are considering applying for a Main Street Loan, please contact your Old National Relationship Manager or mainstreetlendingprogram@oldnational.com. You can also visit the Federal Reserve website for more information including downloadable FAQs or The Federal Reserve Bank of Boston website.
  3. Does Old National still offer gift cards?

    As of 10/31/19, Old National stopped offering gift cards, due to the increased availability of such cards in many retailers.

    If you have already purchased a gift card from Old National, you can continue to use it until its expiration date. You can also visit the gift card site to check the balance of any existing card you may have.

    If you have an issue with an existing gift card, please call the Visa number on the back of the card.

  4. What are the replacement rates for LIBOR?

    Although options for replacing LIBOR continue to evolve, Old National has currently identified the following potential replacement options for our clients:

    1. Secured Overnight Financing Rate (SOFR)
    2. Term SOFR

    The Secured Overnight Financing Rate or SOFR is the replacement benchmark recommended by the New York Federal Reserve’s Alternative Reference Rate Committee (ARRC). (See references below for more information on the work of the ARRC.) SOFR is derived from transactions that are executed in the overnight repurchase agreement (repo) market. These transactions are executed between banks and other intermediaries and are often collateralized by US Treasury securities. The market for SOFR is very deep and liquid with nearly $1 trillion in underlying transactions executed daily. 

    While SOFR has been identified as the replacement index for LIBOR, there are multiple calculation methodologies which have been developed given that SOFR is a daily rate. The CME Term SOFR Reference Rates benchmark is a daily set of forward-looking interest rate estimates based on the SOFR futures contracts. CME Term SOFR Reference Rates are calculated and published for 1-month, 3-month, 6-month and 12-month tenors. Like LIBOR, CME Term SOFR Reference Rates are forward-looking, and the rate is set at the beginning of the period and interest is paid in arrears.

  5. Is online and mobile banking down?

    Typically, if our online or mobile banking will be down for an extended period of time, we post a notification in the blue bar at the top of our home page.

    At times, after we have had an online or mobile banking outage, clients may need to take a few steps to be able to access it again. This is because the browser on your computer/device may have "cached" or held on to the previous page you visited in online or mobile banking when it was not functioning. You will need to clear your cache to enable your computer to access the now functioning page.

    Different browsers require that you clear the cache (or browsing history) in different ways, so we have created an FAQ on how to clear your browser history, cache and cookies.

    Once you have cleared your cache, you should also close down your browser.

    If you need guidance in completing these steps, or you have completed them and still cannot access online or mobile banking, please contact Client Care at 1-800-731-2265.

  6. What are Card Controls and Alerts?

    Card Controls and Alerts enable you to monitor and manage your debit card activity from within Online Banking and the Mobile App. There is no cost to use Card Controls.

    Here are a few of the benefits of using Card Controls:

    Monitor
    Know exactly what is happening with your debit card, anytime and anywhere. Turn on alerts for Internet purchases, ATM transactions and more.

    Manage
    Use Card Controls to immediately turn your debit card on or off in case it is misplaced or lost, or for any other reason. You can also set transaction limits, so all debit card transactions above a certain amount will be declined.

    Visit our Card Controls page for more information, including how to enroll.

    Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report any unauthorized activity.

    Please note that Card Controls are for debit card transactions and HELOC cards only. They are not available for checks clearing or ACH transactions.

  7. What do I do if I received an unsolicited or suspicious email claiming to be from Old National?

    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 or Saturday, 7am to noon CT.

    Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:

    • Awkward greeting or salutation
    • Typos
    • Incorrect grammar
    • Strange or unfamiliar links
    • Compelling or urgent language
    • Misspelled company name

    You are your first line of defense:

    • Stop before you click on links or attachments
    • Call the company using a phone number you know to be valid to confirm they sent the email
    • Don't reply
  8. What paperwork do you need from me to endorse an insurance claims check?

    If you have damage to property that is financed through Old National, we will be an active part of your insurance claim process.The paperwork required and necessary steps differ based on the type of property. We have developed the guides you can download below to assist you:

    Home mortgages

    • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including documents you will need to provide and forms you should complete.
    • 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.

  9. Where do I go to get my insurance check endorsed by Old National?

    If you have damage to property that is financed through Old National, you may have been issued an insurance check with Old National's name on it. The process for getting the check endorsed will differ based on the type of property that has been damaged. We have developed the guides you can download below to assist you:

    Home mortgages

    • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including how to get your insurance check endorsed.
    • 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 refer to our Guide to Insurance Claims for Consumer Loans.

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

  10. How can I get Old National to cash an insurance check?

    If you have damage to property that is financed through Old National, you may have been issued an insurance check with Old National's name on it. The process for cashing the check will differ based on the type of property that has been damaged. We have developed the guides you can download below to assist you:

    Home mortgages

    • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including how to cash an insurance check.
    • 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 refer to our Guide to Insurance Claims for Consumer Loans.

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