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      1. How can I get a replacement for a broken or damaged debit card?

        To order a replacement for a damaged debit card, call Client Care at 1-800-731-2265 or visit any banking center.

        The normal timeframe for delivery is 7-10 business days. To receive a card sooner, you can instead choose to pay a $35 fee and receive the replacement card in two business days. The card must be ordered by 4pm on any business day for it to be delivered in two business days.

        A Lost or Stolen Debit Card
        If instead of a damaged debit card you need help with a lost or stolen card, please call us at 1-800-731-2265, option 2, in the US. You can report a lost or stolen card 24-hours a day. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your card, check for unauthorized transactions and order a new card for you.

      2. How do I set up Online and Mobile Banking to monitor my account?

        In a Banking Center
        Team members in our banking centers can enroll you in Online and Mobile Banking with immediate access, but please note that banking centers are currently open only by appointment. You can then access your account via your smartphone, or you can download our Mobile App for the best banking experience on your phone.

        Steps for Online Enrollment of Online Banking
        There are several options for enrolling online:

        1. Go directly to the enrollment page or
        2. Go to the blue box located at the top of our oldnational.com home page, click the Login button and select Enroll in Digital Banking or
        3. Download our Mobile App and enroll in Online Banking.

        Once on the enrollment page:

        1. Enter your desired Online Banking User ID and Password.
        2. Enter your personal information including name, date of birth and address.
        3. Enter a contact phone number(s) and/or email address, which will enable us to verify your identity. Based on the option you select, you will receive a phone call, text message or email with a verification code that you must enter to confirm your identity and access Digital Banking. 
        4. Once all requested information is entered, read and accept the Terms & Conditions, select the box and click Complete Sign Up.

        If you choose to register your device as a trusted (i.e., private, nonpublic) device, you will not be required to complete the verification process each time.

      3. How do I set up and use Card Controls in the Mobile App?

        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.

        After logging in to the Mobile App, go to More on the lower right of the Accounts screen. On the Account Services screen, select Card Controls.

        You will then see a list of your debit cards. Active debit 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" 

        • Next to Card Status, use the ON/OFF toggle to set the debit card status as being active or suspended.
        • Setting the card status to “OFF” suspends all activity on the debit 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 & Controls

        • 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.
        • The Set Declines and Alerts screen will open with three options:
          • Send Alerts for all transactions, next to a toggle bar
          • Transaction Type
          • Spend Limits
        • Next to Send Alerts for all transactions, you can set the toggle 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 Transaction Type for a list of options. Tap the option(s) for which you want to receive an Alert. 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 debit 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.
        • To decline a specific Transaction Type, tap Transaction Type for a list of options. Tap each option you want to block and next to Decline Transaction set the toggle 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 debit 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 option.
        • 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 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 Controls Alerts are emailed to the email address you have 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 Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by logging in to Online Banking from a browser and removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

      4. Where can I get more information about the LIBOR transition and the new benchmark rates?

        For more information about the ARRC: https://www.newyorkfed.org/arrc 

        For more information about SOFR: https://www.newyorkfed.org/markets/reference-rates/sofr

        For more information about Term SOFR: https://www.cmegroup.com/market-data/cme-group-benchmark-administration/term-sofr.html

      5. Will Card Controls and Alerts replace the current ON Guard Visa Purchase Alerts app?

        Yes, beginning August 12, 2020, the on/off card controls previously available in the separate ON Guard app will be found as a new Card Controls feature in Old National Online Banking and the Mobile App.

        That means you’ll be able to turn your debit card on and off, and set transaction alerts, in the same place where you already do all of your other digital banking. There will be no need for a separate enrollment or additional app.

        Visit our Card Controls and Fraud Monitoring page, for step-by-step instructions for activation.

      6. What is account to account transfers and how do I use it?

        Moving money to your Old National account is quick, secure and simple. You can also set up automatic or recurring transfers, schedule transfers in advance and get notifications of those transactions.

        First, log in to your Digital Banking account.

        Go to the Move Money tab and click External Funds Transfers.

        Before you can transfer money, you will need to add the accounts you want to move money between. 

        Click Settings, Accounts.

        Click, Add a New Account

        Select the account type and enter the account information.

        You are now ready to setup one-time or recurring transfers.

      7. What is an NSF fee, and why did I receive one?

        If there is not enough of an available balance in your account to cover a withdrawal or payment presented against your account, an overdraft will occur and fees may be assessed. These are called NSF fees or overdraft fees. You may also hear the term "insufficient funds" used.

        An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.

        For specific details regarding an overdraft, or to sign up for overdraft coverage, please visit any Old National banking center or call Client Care at 1-800-731-2265. 

      8. What are "cookies" and how do they affect my Digital Banking?

        A "cookie" is a small text file created by a website that you visit, and it is then stored in your computer or phone browser, either temporarily for a single session only or permanently (until deleted). Cookies provide a way for the website to recognize you and keep track of your preferences.

        Cookies (or lack of them) can impact your use of Digital Banking in several different ways including the following:

        • If your browser is set to not accept cookies, or you clear your cookies, your device will no longer be recognized by your Digital Banking. In this case, you may be required to verify your identity by receiving a one-time passcode to the phone number or email address registered in your Digital Banking.
        • In some cases, a cookie in your browser can pull up an old page on a website and prevent you from seeing an updated one. In this case you would need to clear cookies in your browser settings to see the new page.

        Instructions for clearing or accepting cookies varies by device and browser. If you need assistance with either, please contact Client Care at 1-800-731-2265, and we would be happy to assist you.

      9. How do I download and install the Old National Mobile Banking App?

        To find and download the Mobile App, just follow these steps.

        • Depending on your device type, visit the App Store, Google Play or the Amazon Appstore.
        • The above links should take you to the Mobile App. If not, search for Old National Mobile.
        • Download the Mobile App to your phone or other device.
        • Once downloaded, log in using your Digital Banking User ID and Password.
        • You will be prompted to verify your identity using the phone number already registered in your Digital Banking.

        You can also follow our brief tutorials:

        For the App Store:


        For Google Play:



        Learn more about the Mobile Banking App.

        With the Mobile App, you can do the following and more:

        • Check balances
        • Transfer funds
        • Pay bills
        • Locate branches and ATMs
        • Deposit checks
        • Enroll in and view eStatements
        • Access our Money Management personal financial management tool
        • Access Mortgage Manager

        There is no charge for use of the Mobile App.

        If you need assistance with downloading the Mobile App, please call Client Care at 1-800-731-2265.

      10. What are eStatements and how do I sign up for them?

        eStatements are online, electronic copies of your account statements that you can quickly view, search, save and print. You can view them on your computer and your mobile device.

        Signing up for eStatements

        To enroll in eStatements through Online Banking or the Mobile App, just follow these simple steps:

        On a web browser

        • Log in to Digital Banking.
        • Click eStatement Preferences under eStatements and check the box next to the account(s) for which you want to receive eStatements. If the box is already checked when you navigate to this page for the first time, please uncheck and re-check the box to ensure your preference is correctly saved.
        • Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions). Your confirmation code will be visible at the end of the document. Copy this number and scroll up the page.
        • Enter the six-character Confirmation Code in the box and hit Continue.
        • Verify the email address where statement notifications should be sent and hit Accept.

        On the Mobile App
        Enrolling in eStatements from the Mobile App is similar. Watch our tutorial on signing up for eStatements from your phone.

        • Click on the Mobile Banking app and log in to your account.
        • iOS users, choose More in the bottom right corner. Android users, tap the menu icon in the upper left. 
        • Click eStatement Preferences and check the box next to the account(s) for which you want to receive eStatements.
        • Click Save Changes.
        • On the confirmation page, click View Disclaimer to receive your Confirmation Code. Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions). Your confirmation code will be visible at the end of the document. Copy this number and scroll up the page. 
        • Enter or paste the six-character Confirmation Code and select Continue.
        • Read the Consent and Authorization.
        • Enter and verify the email address where statement notifications should be sent and click Accept.

        Up to 18 months of eStatements may be immediately available upon enrollment. Note that enabling eStatements will stop the delivery of a paper statement to your mailing address.  

        Viewing eStatements

        On a web browser

        • You can view, search, save and print eStatements in Digital Banking.
        • Under eStatements on the top menu, choose eStatements in the drop down.
        • You will land on a page with links to eStatements you have previously viewed (under the Documents heading) and those you haven't yet viewed (under the Unviewed Documents heading).
        • Choose eStatements under the appropriate heading.
        • This will pull up a copy of the most recent eStatement. On the right side of the screen, you can select any other statements you want to view by date. 
        • Once you have found and opened the desired eStatement, you can find options for downloading and saving it or printing it on the upper right of the statement.

        Note: Another way to search for a specific eStatement is to use the Document Search option at the top of the eStatements page.

        In the Mobile App

        • Sign in to your Mobile App. iOS users, choose More in the bottom right corner. Android users, tap the menu icon in the upper left. If you experience issues accessing your eStatements in the Mobile App, we encourage you to use a mobile browser instead.
        • Tap eStatements under Account Services.
        • You will land on a page with links to eStatements you have previously viewed (under the Documents heading) and those you haven't yet viewed (under the Unviewed Documents heading).
        • Choose eStatements under the appropriate heading.
        • Select the statement you want to view by date, which will open a copy of the statement on your phone. 

        If you need assistance with signing up for eStatements or using them, please contact Client Care at 1-800-731-2265.

        You can also visit the eStatements page on our website.