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1. What is a notice of error regarding the servicing of my loan?

   A notice of error is a written notice from you that details error(s) you believe have been made relating to the servicing of your loan. Your notice must include:

   • Your name
   • Your loan number and/or property address associated with the loan
   • Details about the specific error you are disputing and/or information you are requesting

   Only errors related to the servicing of your loan secured by your home are covered through this process (excluding open-ended lines of credit).

   Where to send a notice of error
   Please mail all notices of error to:
   
   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   We do not charge a fee for responding to notices of error.

2. What is a request for information as it relates to the servicing of my mortgage?

   A request for information applies generally to any written request from you for information about the servicing of your mortgage. When submitting a request for information, please make sure your request includes the following:

   • Your name
   • Your loan number and/or property address associated with the loan
   • Details about the specific type of information you are disputing and/or information you are requesting

   Where to send a request for information
   Please mail all requests for information to:
               
   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   We do not charge a fee for responding to requests for information.

3. What do I do if I received an unsolicited or suspicious email claiming to be from Old National?

   If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

   Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:

   • Awkward greeting or salutation
   • Typos
   • Incorrect grammar
   • Strange or unfamiliar links
   • Compelling or urgent language
   • Misspelled company name

   You are your first line of defense:

   • Stop before you click on links or attachments
   • Call the company using a phone number you know to be valid to confirm they sent the email
   • Don't reply
4. What should I do if I'm the victim of check fraud?

   Check fraud occurs when someone steals your actual checks or reproduces them. They then attempt to cash those checks and, if successful, can pull money out of your account.
   
   If you're the victim of check fraud, please visit any Old National banking center, as an associate will need to complete the appropriate paperwork, which will require your signature. At the same time, we will handle any changes that need to be made to your account. Sometimes it may be necessary to close the account and open a new one or issue a new debit card if the card number was compromised.

5. What types of payments can I make with Zelle®?

   Zelle^® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

   Since money is sent directly from your bank account to another person's bank account within minutes,² Zelle^® should only be used to send money to friends, family and others you trust.

   Neither Old National nor Zelle^® offers a protection program for any authorized payments made with Zelle^® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

   ¹ Must have a bank account in the U.S. to use Zelle^®.
   ² Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®.

6. What if I want to send money to someone whose financial institution doesn't offer Zelle?

   You can find a full list of participating banks and credit unions live with Zelle^® here.

   If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

   To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

7. Why is LIBOR being discontinued?

   LIBOR was introduced in the 1980’s as a benchmark interest rate that was intended to reflect banks’ average cost of short-term, wholesale unsecured borrowing. Over time, and particularly during the financial crisis that began in 2007, banks became less and less reliant on inter-bank lending. As a result, the number and dollar volume of transactions from which LIBOR was derived declined dramatically. To make up for this shortfall, LIBOR panel banks resorted to using “expert judgment” when submitting various rates used in calculating LIBOR. This left it susceptible to manipulation and fraud.

   In 2017, the UK Financial Conduct Authority (FCA), the regulator for LIBOR, announced that after December 31, 2021, the panel banks would no longer be required to submit settings for LIBOR. (This has since been revised to June 30, 2023, for most LIBOR tenors.) This announcement effectively started the countdown to the end of LIBOR.

8. Am I eligible for an SBA loan?

   SBA lenders and SBA loan programs have different eligibility requirements. However, there are some basic requirements:

   • Location: Your business must be physically located and operate in the U.S.
   • Business type: Your business must be for-profit and in an eligible industry.
   • Investment: You, as the business owner, must have invested time or money into the business.
   • Size: Only small businesses qualify. The definition of a "small business" is based on number of employees or average annual receipts. Size standards information can be found on the sba.gov website.
   • Loan application history: You must not be able to get more traditional financing at favorable terms.

   You should also be able to demonstrate your ability to repay the loan and have a sound business purpose and plan.

   To learn more about SBA loans at Old National, please visit our SBA Loans website page.

9. 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.

10. How do I set up eStatements for my Old National loan account?

    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.

    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
    • 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 down 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 your our 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.
    • Click on the More menu button at the bottom of the screen.
    • 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 down 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.

    Note that enabling eStatements will stop the delivery of a paper statement to your mailing address.

    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.