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      Search for CDs and CD Rates

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      1. Where can I get more information about the LIBOR transition and the new benchmark rates?

        For more information about the ARRC: https://www.newyorkfed.org/arrc 

        For more information about SOFR: https://www.newyorkfed.org/markets/reference-rates/sofr

        For more information about Term SOFR: https://www.cmegroup.com/market-data/cme-group-benchmark-administration/term-sofr.html

      2. 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.

      3. Where can I find rates on the website?

        Currently, most deposit and loan rates are not listed on our website, as it is best for us to discuss your specific needs and the best options available to you. Please visit a banking center near you.

        We do provide our latest mortgage rates online. Visit our Mortgage Purchase Rates page or our Mortgage Refinance Rates page, depending on your needs.

      4. What are Text Banking and Automated Alerts?

        Text Banking and Automated Alerts enable you to receive a variety of account-related notifications via your mobile phone. You can receive Automated Alerts by email as well.

        Here are the types of Automated Alerts available:

        • Balance update
        • Low balance
        • High balance
        • Large withdrawal
        • Large deposit
        • Check cleared (by check number)
        • Loan payment due
        • Loan payment overdue
        • Maturity date

        Automated alerts are sent throughout the day. In most cases, this means you will be notified about events such as low balances, large deposits or large withdrawals about 20-30 minutes after they happen.

        Information you can request from Text Banking:

        Here is the information you can obtain by sending the following text commands to 454545:

        • BAL – Balance for primary account in Text Banking
          • Your text will include both the Current and Available balances.
        • BAL ALL – Balance on all accounts within Digital Banking
          • Your text will include only the Current balance which is the balance as of the end of the previous business day. It does not include transactions that are pending or on hold.
        • LAST – Last 5 transactions for primary account in Text Banking
        • TRANS (amount) ex TRANS 200 – Transfer funds to primary account from secondary account in Text Banking
        • STOP – Deactivate service
        • HELP – Help keywords

        Information will be sent to the mobile phone number you designate when setting up Text Banking.

      5. Is online and mobile banking down?

        Typically, if our online or mobile banking will be down for an extended period of time, we post a notification in the blue bar at the top of our home page.

        At times, after we have had an online or mobile banking outage, clients may need to take a few steps to be able to access it again. This is because the browser on your computer/device may have "cached" or held on to the previous page you visited in online or mobile banking when it was not functioning. You will need to clear your cache to enable your computer to access the now functioning page.

        Different browsers require that you clear the cache (or browsing history) in different ways, so we have created an FAQ on how to clear your browser history, cache and cookies.

        Once you have cleared your cache, you should also close down your browser.

        If you need guidance in completing these steps, or you have completed them and still cannot access online or mobile banking, please contact Client Care at 1-800-731-2265.

      6. What are Card Controls and Alerts?

        Card Controls and Alerts enable you to monitor and manage your debit card activity from within Online Banking and the Mobile App. There is no cost to use Card Controls.

        Here are a few of the benefits of using Card Controls:

        Monitor
        Know exactly what is happening with your debit card, anytime and anywhere. Turn on alerts for Internet purchases, ATM transactions and more.

        Manage
        Use Card Controls to immediately turn your debit card on or off in case it is misplaced or lost, or for any other reason. You can also set transaction limits, so all debit card transactions above a certain amount will be declined.

        Visit our Card Controls page for more information, including how to enroll.

        Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report any unauthorized activity.

        Please note that Card Controls are for debit card transactions and HELOC cards only. They are not available for checks clearing or ACH transactions.

      7. What is browser history, cache and cookies, and how do I clear them?

        When you visit a website, your browser (the application you use to browse the Internet) creates an archive of each of the sites you visit, which is known as your browser history. Cookies are files that contain information useful to a website — such as saved password, preferences, browser type, IP Address, date and time of visit. The browser also temporarily stores items such as images, icons, style sheets, scripts or media files that are used to speed up your browsing experience. This is the cache.

        It is a good practice to clear your browser history and the web data collected by the sites you visit every so often. You can opt to have your browser do this automatically, or you can do it yourself through your browser preferences. Doing so will help improve performance, protect your personal information and provide a better online experience.

        There are many different types of browsers available. We have provided links to the major browsers on the most common types of devices. Follow the links to their support pages for instructions on how to clear the cache on your specific device.

        Google Chrome

        Firefox

        Safari

        Microsoft Edge

        Microsoft Edge on PC
      8. How do I sign up for Card Controls and Alerts?

        Card Controls and Alerts are a feature of Online Banking and the Mobile App. You can activate Card Controls within Online Banking and the Mobile App; there is no need for any separate enrollment or downloading of any additional apps.

        Card Controls enable you to manage and monitor debit card activity, such as setting and receiving alerts or suspending certain transactions.

      9. 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.
      10. What is Mobile Deposit and how do I use it?

        Mobile Deposit is a feature within Digital Banking that allows you to deposit checks by using your phone's camera.

        To use Mobile Deposit

        • Log in to your Mobile App.
        • At the bottom of the screen, choose Check Deposit.
        • In the "To" section, select the account you want to deposit to and enter the amount.
        • Endorse the check by signing your name on the back. Then print For Mobile Deposit Only, or check the mobile deposit box if available.
        • Select the photo icon and capture an image of the front and back of your check.
        • Verify the information and select Deposit.

        You will receive an email confirmation once a Mobile Deposit has been submitted. A second email will be generated when the deposit has been reviewed to let you know the status of the deposit. An approval email does not guarantee that the funds are available immediately. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

        Tips for using Mobile Deposit

        • Take photos in a well-lit area
        • Place check on a dark surface
        • Be sure only the check is in the photo (no fingers holding the check)
        • Make sure the whole check is visible in the guidelines; leave a small amount of space between the guidelines and the edges of the check
        • Give the camera time to focus before taking the photo; being too close can make the check image blurry
        • Tap the center of your screen to get a clear picture
        • Make sure the check isn't folded or torn

        If you need assistance with using Mobile Deposit, please call Client Care at 1-800-731-2265.