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      1. What if I get an error message when I try to enroll an email address or U.S. mobile number in Zelle®?

        Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call the Old National Client Care team at 1-800-731-2265 and ask them to move your email address or U.S. mobile phone number to Old National so you can use it for Zelle®.

        Once Client Care moves your email address or U.S. mobile phone number, it will be connected to your Old National bank account so you can start sending and receiving money with Zelle® through Online or Mobile Banking.

        Please call Old National Client Care toll-free at 1-800-731-2265 for help.

      2. How do I use Zelle®?

        You can send, request or receive money with Zelle®.

        To get started, log in to Old National’s Online or Mobile Banking, navigate to Send Money With Zelle® in the Mobile App Payment Center or the Move Money tab in Online Banking. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle®.

        To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.1

        To request money using Zelle®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request.2

        To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

        1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
        2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

      3. My debit card was lost/stolen. How can I get a new one?

        Please report your lost or stolen Old National debit card (24-hours a day) by calling 1-800-731-2265, option 2, in the US. If you are outside of the US, call 1-812-422-2197. We can order a new card for you at that time.

        If you notice unauthorized activity on your debit card through Online and Mobile Banking, you can turn your card off right away with our Card Controls feature in Online Banking and the Mobile App. 

        Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report the unauthorized activity on your card and obtain a new one.

      4. 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.

      5. 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.

      6. 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.

      7. 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.

      8. Can I use Zelle® internationally?

        In order to use Zelle®, the sender's and recipient's bank accounts must be based in the U.S.

      9. How do I sign up for direct deposit?
        1. Gather your account information, including the Old National routing number of 086300012 and your account number found on the bottom of your Old National check. There are three groupings of numbers on the bottom of your check. Your account number is the center set of 7-10 numbers.
        2. Contact your employer or depositor to verify if they have a process for direct deposit.
        3. If you are switching direct deposit from another bank to Old National, you can use our Direct Deposit Switch Form.
        4. Watch for your first deposit, which can take up to two months.

        Direct deposit contact information:

        Type of Direct Deposit New Direct Deposit
        (switch from paper checks to electronic deposit)        		 Existing Direct Deposit
        (switch from another bank to Old National)
        Salary, Pension, Dividends, Investment income Contact your employer or payor directly.
        Social Security or Supplemental Social Security Visit www.godirect.org or call Go Direct at 1-800-833-1795 Call 1-800-772-1213
        Railroad Retirement Call 1-800-808-0772
        Civil Service Retirement (Office of Personnel Management) Call 1-800-767-6738
        Veterans Compensation Call 1-877-838-2778
        Other Federal Agency Benefits Contact the agency directly or call Go Direct at 1-800-333-1795 to get the phone number of many federal agencies.
      10. 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.