Why Old National
Personal Banking FAQ
Answers to questions about your transition from Tower Bank to Old National Bank
If you were a Tower Bank customer who has now become an Old National client, you should have already received a welcome mailing with important information about the transition of your account(s). In addition, if you used Tower online banking and bill pay, you will have received information in the mail about these services. Please review the information you have received from us carefully.
Below you will find answers to questions you may have about the transition of your accounts. You can click on the links to go to a specific topic. If you don't find the answers to your questions here, please call our Client Care team at 1-800-319-2664.
The welcome packet and in some cases letters you received explained any changes you can expect related to your account. The welcome packet includes a guide that shows your former Tower account(s) and your new, corresponding Old National one(s). If you did not receive a welcome packet and want to obtain one, call
Due to differences in bank computer systems, some account numbers have changed. If your number did change, you should have received a letter with your new account number and additional information.
It is important to note that your bank routing number (the nine-digit code that identifies a financial institution) has changed. Old National Bank's routing number is 086300012.
If you were actively using checks on your Tower personal account, Old National is providing complimentary checks and deposit tickets to you. These were mailed between the dates of April 22 - 23, and should have arrived 7 - 10 days from the shipping date.
If you have not received checks and want to verify that they were mailed for your account, we ask that you please call our Client Care Center at 1-800-319-2664. If you have Old National Online Banking, you can also submit a request for information through the “Messages” tab in Online Banking.
Any Tower checks you still have will be accepted through July 25, 2014. Please do not destroy your old Tower checks until you have received your new Old National ones.
If you were signed up for eStatements at Tower Bank, you will receive Old National eStatements in the future. Your final Tower Bank statement, reflecting account activity from your last statement date through April 25, will arrive in the mail even if you are enrolled in eStatements.
You should have received a new card from Old National the week of April 21 with a new card number. Your card PIN will stay the same. You should be using your new Old National card and have cut up your Tower card, as it will no longer be accepted at ATMs or for purchases. If you did not receive your debit card, please visit the nearest Old National banking center or contact us at 1-800-319-2664.
Until maturity your Tower Bank CDs and IRAs remain at the same rates and terms that you had. For IRAs, annual statements and 1099-R forms will mail in mid-January, and 5498 forms will mail by May 1.
The following information explains how soon various types of deposits, such as checks deposited from another bank, will be available for your use at Old National.
Checks drawn on another bank - Deposits made with checks drawn on a bank other than Old National (if there are no holds placed on the checks), when made by the close of business, will not be available until the next business day. This means these funds will not be available to cover checks or other debits being processed that night.1 This is different than what you may have experienced at Tower.
Checks drawn on Old National Bank - Deposits made with checks drawn on Old National Bank (if there are no holds placed on the checks), when made by the close of business, will be credited to your account and have same day availability to cover checks or other debits being processed that night.2
Cash and electronic deposits (such as direct deposit of payroll checks, Social Security or other government checks) - All available same day of deposit.
Old National offers overdraft protection and overdraft courtesy to help you avoid returned checks or declined transactions, if you don't have enough money in your checking account to cover them. These are two, separate services that can also be used together for extra protection.
Overdraft protection automatically transfers money from a linked account, when there is not enough money in your checking account to cover a transaction.
Overdraft courtesy works differently, by approving and paying certain transactions in most instances, if you don't have enough money in your checking account to cover them. Overdraft Courtesy limits are based on several account factors, including how long your account has been open, the average balance and previous returned check activity.
Overdraft courtesy is an automatic feature with most Old National checking products. Overdraft courtesy automatically covers checks written and ACH and recurring debit card payments (such as monthly utility bills). It does not automatically cover ATM withdrawals and one-time debit card transactions (such as everyday purchases at stores and restaurants), unless you request it at Old National or have already requested it at Tower Bank.Did my Tower Bank overdraft protection automatically transfer to
Overdraft courtesy is an automatic feature with most Old National checking products. Even if you don’t have enough money in your checking account, we will still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as monthly utility bills). If you previously instructed Tower Bank to also cover ATM withdrawals and one-time debit card transactions, that choice transferred to your new Old National account. If these transactions were not previously covered and you would like them to be, please call us at 1-800-319-2664 on or after April 28.
The bank routing number for your account changed to Old National’s number, 086300012, on April 26. The bank’s routing number appears on your checks and is used for electronic transactions. It is a very important number because it identifies your account’s financial institution. On or soon after April 26, please confirm that Old National’s bank routing number, 086300012, is being used by all sources of automatic deposits and recurring wire transfers into your account, as well as recipients of automatic payments made from your account.
Please continue using your Tower Bank loan payment book or billing notices until you receive them for Old National.
If you had a safe deposit box at the downtown Fort Wayne location, you should have received a mailing about it. If you have any questions, please visit the banking center or contact our Client Care Center.
If you were enrolled in online banking with Tower, you now have online access to accounts at Old National. From the home page of oldnational.com, log in with the new user ID and password we provided to you in a letter. If you did not receive such a letter or are having trouble logging in, please call us at
Yes, all of your payees automatically transferred to Old National Online Bill Pay as of Monday, April 28, 2014.
If you were enrolled in mobile banking with Tower Bank, you automatically have access to this service at Old National. Using the Online Banking log-in information we provided to you, sign in to your Online Banking at oldnational.com to enroll in Mobile Banking.
Yes, you can access your account(s) by phone when you sign up for our free TouchTone Banking service at 1-800-731-2265. When you call, you will need
Old National has more than 170 banking centers in Indiana, Michigan, Illinois, and Kentucky. The locator tool on our web site provides maps, directions and hours for all of our current locations.Have the phone numbers changed at Old National banking centers that were formerly Tower?
Yes, the phone numbers have changed, but the old numbers will continue to work for a period of time. You can find the new phone number for each banking center through our locator tool on this site. Another option is to call our Client Care team at 1-800-319-2664, and they will be happy to forward you to the appropriate banking center.Can I still use the same local ATMs?
Yes, you can continue to use ATMs at the Tower branches that have now become Old National. Your new debit or ATM card will also be welcome at our extensive network Old National ATMs. To find a current list of our ATMs, use our locator tool. Please note that free use of the Alliance ATM network will not be available with your Old National card.
Deposits made at Tower Bank & Trust Company prior the merger with Old National Bank will be separately insured by the FDIC for a period of time to give you an opportunity to restructure your accounts, if necessary. This grace period is described in more detail here.
After the grace period, accounts will continue to be insured by the FDIC through Old National Bank.
The bank routing number for your account will change to Old National’s number, 086300012, on April 26. The bank’s routing number appears on your checks and is used for electronic transactions. It is a very important number because it identifies your account’s financial institution. Please confirm that Old National’s bank routing number, 086300012, is being used by all sources of automatic deposits and recurring wire transfers into your account, as well as recipients of automatic payments made from your account.
Yes, you will receive the same personalized service from the familiar faces you know and trust.
How can I contact Old National with additional questions?
Call us at 1-800-319-2664. Our Client Care team is available Monday through Friday 8am – 9pm and Saturday 9am – 4pm ET.