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      1. How do I set up a recurring transfer in Digital Banking?

        From a Web Browser
        To make a recurring transfer, start by clicking the Transfer icon in the My Accounts section of your Digital Banking homepage or click on the Move Money tab, and select Make a Transfer.

        Here you can select the accounts and date, and type in the amount you would like to transfer.

        To create a recurring transfer, check the Repeat box next to the date.

        Select the frequency, date and duration of your recurring transfers and click Save.

        Your recurring transfer frequency will be displayed next to the Repeat box. Click the link if you would like to edit the schedule details, or click Schedule transfer to save.

        To view your upcoming scheduled transfers, just hover over Move Money in the main navigation and click View scheduled transfers.

        The Scheduled Transfers page will display all scheduled transfers, and allow you to make a transfer or cancel a previously scheduled transfer.

        You have the option to include a message, you may do so in the Memo section.

        Click Make Transfer.

        Take a moment to verify that your transfer details are correct, then click Confirm.

        Once you have confirmed, we’ll let you know that your transfer is complete. Now you can choose to Print this receipt, Make another transfer, or Exit by clicking Go to My Accounts.

        On the Mobile App
        Recurring transfers can be viewed and cancelled in the Mobile App, but can only be setup and maintained from a web browser.

        • To view or cancel a recurring transfer in the mobile app, tap Transfers.
        • Tap Schedule.
        • If you wish to cancel, tap Scheduled Transfer and then Cancel Transfer.
        • Tap Yes to confirm.
      2. How can I access my loan online?

        You can access your loan through our Digital Banking services. 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. Is there a limit on how many people can be in a banking center?

        We have re-opened our banking centers and are no longer limiting the number of people who can be inside the lobby at one time. Appointments continue to be accepted and encouraged.

      4. Is my information secure in Zelle®?

        Keeping your money and information safe is a top priority for Old National. When you use Zelle® within online and mobile banking, your information is protected with the same technology we use to keep your Old National account safe.

      5. How do I set up automatic credit card payments?

        To set up automatic payments on your credit card, log into your account, select your card, and choose “Manage payments”. There, you can choose the date and amount of your automatic monthly payments.

      6. 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.

      7. What are the replacement rates for LIBOR?

        Although options for replacing LIBOR continue to evolve, Old National has currently identified the following potential replacement options for our clients:

        1. Secured Overnight Financing Rate (SOFR)
        2. Term SOFR

        The Secured Overnight Financing Rate or SOFR is the replacement benchmark recommended by the New York Federal Reserve’s Alternative Reference Rate Committee (ARRC). (See references below for more information on the work of the ARRC.) SOFR is derived from transactions that are executed in the overnight repurchase agreement (repo) market. These transactions are executed between banks and other intermediaries and are often collateralized by US Treasury securities. The market for SOFR is very deep and liquid with nearly $1 trillion in underlying transactions executed daily. 

        While SOFR has been identified as the replacement index for LIBOR, there are multiple calculation methodologies which have been developed given that SOFR is a daily rate. The CME Term SOFR Reference Rates benchmark is a daily set of forward-looking interest rate estimates based on the SOFR futures contracts. CME Term SOFR Reference Rates are calculated and published for 1-month, 3-month, 6-month and 12-month tenors. Like LIBOR, CME Term SOFR Reference Rates are forward-looking, and the rate is set at the beginning of the period and interest is paid in arrears.

      8. What can I do in Digital Banking?

        With Digital Banking, you can bank anytime and anywhere that you have access to the Internet. The following are some of our Digital Banking features:

        Mobile Deposit
        Deposit a check safely and securely with your smartphone.

        Transfers
        Transfer money from accounts you have at other financial institutions to your Old National account, including loan payments. Or transfer money between your Old National accounts.

        Bill Pay
        Pay bills easily from Digital Banking. Set up who you want to pay, when and how much. Payments are deducted from your checking account and sent to payees for you.

        eStatements
        View, download and print an electronic version of your statement.

        Money ManagementTM
        See all your financial accounts in one place, including those at other financial institutions. Track and analyze your total spending, loans and investments.

        Zelle®
        Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

        Text Banking
        Use simple text commands to check account balances, transfer funds between accounts and view recent transaction history.

        Card Controls
        Manage your debit cards to immediately turn off your card or to set transaction limits and alerts. 

        How to enroll in Digital Banking

        When you open an Old National checking account in a banking center, you can be enrolled in Digital Banking immediately.

        When you open an Old National checking account in a banking center, you can be enrolled in Digital Banking immediately.

        If you open a new Old National account online, you can enroll in Digital Banking immediately.

        You are able to access a mobile version of Digital Banking via your smartphone; however, for the best experience we suggest that you download our mobile app.

        There is no charge for use of Digital Banking, including the Mobile App.

      9. How can I find year-end tax information for my mortgage?

        The fastest way to find year-end tax information is within Mortgage Manager after you log in to Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

        To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Taxes report.

        In addition to providing information in Mortgage Manager, we also mail all year-end statements by January 31.

      10. How do I know what a monthly mortgage payment will be?

        Your monthly payment will depend on a number of factors, even beyond the price of the home and your down payment. You’ll also need to take into account taxes, insurance and any other fees included in the payments, as well as loan details like the length of the loan and the interest rate.

        While your payment will be determined based on the specifics laid out in the mortgage, you can estimate the amount of a mortgage payment by using our helpful mortgage-payment calculator.