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1. 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.

2. How can I cancel my electronic mortgage statement and receive a paper one by mail?

   You have two options for cancelling electronic mortgage statements.

   First, you can de-activate electronic mortgage statements within Mortgage Manager. Just follow these steps:

   1. Log into Old National Online Banking with your usual User ID and Password
   2. From the summary of accounts, select your Mortgage Loan
   3. This will take you to your Old National Mortgage Loan detail page
   4. Hover over Statements and Documents and select Electronic Mortgage Statements
   5. Select Change Delivery Preferences
   6. Then select Paper Mortgage Statements
   7. Finally, select Save

   Your other option is to call or e-mail Mortgage Servicing at 1-812-468-1800 or mortops@oldnational.com to request the change.

   If you change your mind at any time and would like to resume receiving electronic statements, you can re-activate this service in Mortgage Manager or call us.

3. What is the difference between Card Controls and Automated Fraud Monitoring?

   Both Card Controls and Automated Fraud Monitoring help to protect you from fraudulent activity on your debit card and account.

   Card Controls give you direct control within Online Banking or the Mobile App. You are able to select the types of alerts you want to receive, set spending limits, decline transactions and more.
   
   Automated Fraud Monitoring is a service Old National debit card holders are automatically enrolled in. If we ever suspect that your card is being used by someone other than you, we’ll send you a real-time text alert, email or phone call and ask for your confirmation. Based on your response, we can immediately shut down your card if necessary. If you prefer, you can opt out of Automated Fraud Monitoring alerts.

   Both Card Controls and Automated Fraud Monitoring are free services, and together they provide a double layer of protection for your account and debit card.

4. Do I have to be enrolled in Digital Banking to use Card Controls and Alerts?

   Yes. You must be logged into Online Banking or the Mobile App to set up and use Card Controls.

5. Are there any limits for sending and receiving money with Zelle?

   The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine send limits, call Old National Client Care at 1-800-731-2265.
   
   There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

6. If I want to enroll or need assistance with business online and mobile banking, whom do I contact for support?
   To enroll in or get assistance with online and mobile banking for businesses, contact Client Care at 1-800-731-2265. And a team member can assist you with password resets, login and general questions.
7. Where can I see the breakdown of my mortgage payment - what was applied toward interest, principal and escrow?

   Within Mortgage Manager, you can view your Loan Details under the Payment button. Your Last Payment Breakdown is under Payment History. Loan Activity will provide you with more detailed information. Select the drop-down icon for all details of the payments or select the View Additional Activity to select custom dates in the Activity box.

8. Are your banking centers open?

   Our banking centers are fully open. Please be sure to check our locator before visiting, as some banking centers have adjusted their hours.

9. What are the fees for an international Allpoint ATM transaction?

   If you use an ATM that is part of the Allpoint Network outside of the US, you will not incur any surcharges; however, Old National does charge a fee of 3% of the transaction for all international ATM/debit card transactions.

   Our oldnational.com locator as well as our Mobile App locator enable you to find international ATM locations. Just type the name of the city where you are looking for an ATM into the locator Search bar.

10. I had damage to my house and received a check from the insurance company with Old National’s name on it. How do I cash or deposit it?

    If you have your mortgage with Old National and a homeowners insurance claim, we will be an active part of your claim process. Your loan with us is based on your home’s value, so we want to ensure your property is repaired and the value is maintained.

    We have developed a Guide to Homeowners Insurance Claims that will give you an overview of the claim process and the necessary forms you will need along the way.

    Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

    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. 

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