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      1. How do I enroll in Digital Banking?

        In a Banking Center
        Associates in our banking centers can enroll you in Digital Banking with immediate access, whether you already have an Old National account or open one that same day. You can then access your Digital Banking account via a web browser, your smartphone, or you can download our Mobile App for the best banking experience on your phone.

        Opening a Checking Account Online
        If you open a new Old National account online, you can enroll in digital banking immediately.  

        Steps for Online Enrollment of Digital Banking
        There are several options for enrolling online:

        1. From a web browser, 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 tap Sign up.

        Once on the enrollment page:

        1. Enter your desired Online Banking User ID and Password.
        2. Enter your personal information.
        3. Enter your Account Type and Account Number. 
        4. Once all requested information is entered, read and accept the Terms & Conditions, select the box and click Complete Sign Up.

        If the information matches, then you will be directed to the login.

        If the information does not match, you will receive a Pending or Declined message. For Pending applications, you should receive an email within 1 business day advising the status of your registration.

        If you’re a business client, please visit a banking center or call 1-800-731-2265 for assistance with enrollment.

      2. 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.

      3. How do I set up and use Card Controls in the Mobile App?

        Card Controls enable you to monitor debit card activity, receive alerts for certain types of transactions and turn your card off/on in the event that it is lost or stolen.

        After logging in to the Mobile App, go to More on the lower right of the Accounts screen. On the Account Services screen, select Card Controls.

        You will then see a list of your debit cards. Active debit cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

        Setting Card Controls to "ON" or "OFF" 

        • Next to Card Status, use the ON/OFF toggle to set the debit card status as being active or suspended.
        • Setting the card status to “OFF” suspends all activity on the debit card. The status must be set to “ON” to use the card.
        • A debit card must be in “Active” status to add Declines and Alerts.

        Setting debit card Alerts & Controls

        • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
        • The Set Declines and Alerts screen will open with three options:
          • Send Alerts for all transactions, next to a toggle bar
          • Transaction Type
          • Spend Limits
        • Next to Send Alerts for all transactions, you can set the toggle to ON to receive Alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
        • To set up an Alert for a specific Transaction Type only, choose Transaction Type for a list of options. Tap the option(s) for which you want to receive an Alert. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
        • When a transaction is set to ON, EVERY transaction of that type on the debit card will trigger an Alert.

        Declining debit card transactions

        • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
        • To decline a specific Transaction Type, tap Transaction Type for a list of options. Tap each option you want to block and next to Decline Transaction set the toggle to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
        • When a transaction is set to BLOCK, EVERY transaction of that type on the debit card will be declined/blocked.

        Setting Spend Limits

        • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits option.
        • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
        • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
        • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

        A note about Email vs. Text Alerts
        Card Controls Alerts are emailed to the email address you have listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by logging in to Online Banking from a browser and removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

      4. How do I set up and use Card Controls?

        Card Controls enable you to monitor debit card activity, receive alerts for certain types of
        transactions and turn your card off/on in the event that it is lost or stolen.

        On a Web Browser

        To set up Card Controls through a web browser, log in to your Digital Banking account on oldnational.com. Select Additional Services at the top of the screen and then Card Controls.

        You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

        Setting Card Controls to "ON" or "OFF" 

        • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
        • Setting the debit card status to “OFF” suspends all activity on the card. The status must be set to “ON” to use the card.
        • A debit card must be in “Active” status to add Declines and Alerts.

        Setting debit card Alerts

        • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
        • To set up an Alert for a specific Transaction Type only, choose that transaction type. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
        • When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.

        Declining debit card transactions

        • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline. Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
        • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked.

        Setting Spend Limits

        • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
        • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
        • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
        • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

        A note about Email vs. Text Alerts
        Card Control Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

        Mobile App

        Tap on the more button, under Payment Center tap Debit Card Controls

        You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to ON the first time you view them. Suspended cards which are not available for Card Controls are displayed as OFF.

        Setting Card Controls to ON or OFF 

        • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
        • Setting the debit card status to OFF suspends all activity on the card. The status must be set to ON to use the card.
        • A debit card must be in Active status to add Declines and Alerts. 

        Setting debit card Alerts 

        • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
        • To set up an Alert for a specific Transaction Type only, choose that transaction type.
        • Set the Send Alerts option to ON.
        • When an Alert is turned on, you will see a blue bell next to it. When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert. 

        Declining debit card transactions 

        • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
        • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline.
        • Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
        • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked. 

        Setting Spend Limits 
        When Spend Limits are set on your debit card, transactions made over a certain amount will be declined.

        • To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
        • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
        • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT.
        • Enter the minimum dollar amount for which you want to receive an Alert.
        • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100. 

        A note about Email vs. Text Alerts 

        • Card Control Alerts are emailed to the email address listed in Digital Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too.
        • There is not a way to turn off the email alerts.
        • You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.
      5. What is a pre-authorization hold on my debit card?

        When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

        For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

        Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

        Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

        If you have questions, call Client Care at 1-800-731-2265.