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1. How do I apply for a business loan?

   You will want to talk to a member of our business banking team, since the best loan solution can depend on your specific needs and goals. To help expedite the process when you apply for a business loan, visit our documents you will need page. Here we provide a checklist of items we 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 get our conversation started, please call us at 1-800-731-2265 or send an information request form.

2. How can I apply for a business credit card?

   You can apply for a business or commercial credit card through our website. Visit our business credit card page to see the types of cards we offer and use the "Apply Online" button to apply for a card.
   
   You an also visit any banking center to apply for a business credit card.

3. How can I send a wire transfer for my business?

   To learn more about your options for sending domestic and international wires, including wire transfer fees, visit our Business Wire Transfers page. 
   
   Here you can also find information about ONPointe, our Treasury Management solution that enables clients to initiate secure wire transfers from their own computers.
   
   If your company regularly sends international wires, you may also want to talk with our Foreign Exchange (FX) Department directly at 1-800-704-3084. Along with helping clients make and receive payments in foreign exchange, the Old National FX Department can assist with ways to mitigate exchange rate risk.

4. Can I make a deposit at an Allpoint ATM?

   No. Allpoint ATMs can be used for withdrawals, transfers and balance inquiries only. 

   Old National does have many ATMs that will accept deposits, and we continue to add more. To find an ATM that accepts deposits, follow these steps:

   • Go to the oldnational.com locator
   • Next to the locator map, select the ATMs filter and unselect the Allpoint Surcharge-Free ATM filter. Our Partner ATMs, which are part of the Allpoint network, do not accept deposits.
   • Type your zip code or city/state into the Search bar to find the nearest ATMs

   Deposits made at an ATM are available for withdrawal based upon our typical funds availability policy. This means they may not be available for immediate withdrawal and use.
   
   To make a deposit, you can also use Mobile Deposit or visit an Old National banking center.

   If you have questions about making deposits at an ATM, please contact Client Care at 1-800-731-2265. 

5. How do I apply for a mortgage loan?

   You can apply for an Old National mortgage loan in several ways:

   Apply through our website

   1. Visit the Mortgage Loan Options page.
   2. If you prefer, you can also designate the mortgage lender you prefer to work with. In that case, go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of the mortgage loan officer you prefer to work with, select Apply Online.

   Call us
   You can also contact a mortgage loan officer directly to schedule an appointment. Go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of each mortgage loan officer, you will find a direct phone number.

6. What is a pre-authorization hold on my debit card?

   When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

   For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

   Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

   Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

   If you have questions, call Client Care at 1-800-731-2265.

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