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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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      Search for Open a Checking Account

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      1. What should I do if my Old National checks were lost or stolen?

        Call Old National Client Care at 1-800-731-2265 to report lost or stolen checks. We will put a hold on the lost checks and open a new account for you. Checks contain sensitive information so it is important to act quickly.

      2. Does Old National offer overdraft coverage for checking accounts?

        In an effort to help you avoid returned checks or declined transactions, we provide protection services called Overdraft Courtesy and Overdraft Protection. These two services can also be used together for extra protection. Learn more about our Overdraft Solutions.

        Overdraft Courtesy
        Most Old National checking accounts come with Overdraft Courtesy. With Overdraft Courtesy, even if you don’t have enough available money in your checking account, we may still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as utility bills). Overdraft Courtesy does not cost anything unless you use it. If your account becomes overdrawn by more than $25, we will charge you a $36 fee for each overdraft item, up to 2 per day. You are responsible for paying the amount of any overdraft on your account immediately. If your account is overdrawn 7 or more consecutive business days, we will charge a $7 Daily Overdraft fee each business day the account is overdrawn by more than $25 (beginning on day 7), for up to 5 business days.

        Overdraft Protection
        Overdraft protection allows you to link your account to another Old National account. If you accidentally overdraft, we will draw the funds from your linked account. There is no annual fee for the Overdraft Protection service, and you can link to other Old National checking, savings, or money market accounts or a line of credit. The transfer amount will be the exact amount needed to cover the total overdraft amount at the end of each business day, provided your linked account has a sufficient available balance. If sufficient funds are not available in your linked account, we will transfer what is available. Any items not covered by the funds in your linked account will be paid or returned at the Bank’s discretion and applicable overdraft and other account fees may be charged.

        For business analysis accounts, an Overdraft Protection Transfer Fee of $5 is charged for each transfer from your linked account.

        To sign up for Overdraft Protection, or for more information about either service, please visit any Old National Banking or call Client Care at 1-800-731-2265.

      3. 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. 

      4. Are there any fees to send money using Zelle®?

        Old National does not charge any fees1 to use Zelle® with your personal checking account.

        1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

      5. 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.

      6. How can I know when my stimulus payment has been direct deposited to my account?

        Visit the IRS Get My Payment (GMP) portal at https://www.irs.gov/coronavirus/get-my-payment to see if you can expect a 2021 Economic Impact Payment. The GMP portal will provide the date when your payment was or will be sent. If GMP reflects a direct deposit date and partial account information, then your payment has been deposited to that account.

        If you haven't already, make sure you are enrolled in Old National Online and Mobile Banking. This will enable you to see a pending transaction from IRS TREAS, if the U.S. Treasury has sent your payment by ACH. You can monitor through Online and Mobile Banking to see when the deposit actually posts to your account making the funds available for use.

        You can also set up text banking and automated alerts within Online Banking or push notifications (under settings) within our Mobile App, so you will be notified when a large deposit is made to your account or when your balance increases by a certain amount.

      7. How do I change the address, phone number or email address on my account?

        To change your mailing address, Old National offers several options:

        To change your phone number or email address:

        Please note that changes can only be applied to the information for the person requesting the change. If there are additional people listed on the account, those individuals will need to request updates for their own information.

      8. What is the difference between available balance and current balance on my account?

        Your Current Balance shows the amount of money in your account at the end of the previous day (after deposits, withdrawals, and ATM and debit card transactions). This includes only transactions that have cleared.

        Your Available Balance is your Current Balance minus any holds, uncollected deposits and transactions received but not yet processed by Old National, which may include certain ATM or debit card transactions. It also does not include checks you have written but have not been presented by the recipients.

        Please refer to our Deposit Account Agreement and Disclosure for more information about the timing and order of transactions we use to calculate your account balance at the end of each day.

        If you have questions, please call Client Care at 1-800-731-2265 or visit any Old National banking center.

      9. 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.

      10. How can I change information about the bank account my mortgage payment comes from?

        Within Mortgage Manager, go to Payment button. Here you can choose to Add, Edit or Delete payment methods. More than one can be added to use when making a payment.

        Our Mortgage Manager guides show you how to make a payment and where to enter or update your bank account information.