Find the Right Checking Account
Your personal checking account should help you manage your finances. Open a checking account1 that’s right for your lifestyle today! Or compare our account options below.
Your personal checking account should help you manage your finances. Open a checking account1 that’s right for your lifestyle today! Or compare our account options below.
Or visit us to open yours.
All of our checking accounts1 include:
The Old National Bank Routing Number is 086300012. See it on a check. See our other account FAQs.
Related Personal Financial Services
Other ONB products and services.
Choose a checking account that fits your spending habits and lifestyle.
How much could your savings be worth? How much should you deposit each month? Get your questions answered!
Let's keep it uncomplicated; these 5 core principals will put you ahead of the curve.
Digital banking is the best way to stay on top of your finances. We have five reasons you should take advantage!
Use your mobile phone to deposit checks — and save yourself a trip to your local branch.
Our 4 Most Frequently Asked Questions About Checking
A: The Old National Bank routing number is 086300012.
A: Your account number is a ten-digit number along the bottom of your check. It is the second number, following our routing number. (See it on a check.)
You can also find your account number along the top of your statement, whether you have online or paper statements.
A: Check deposits made at a banking center or at an ATM post to your account on the following business day.
Cash deposits made at a banking center on Monday through Friday generally post that business day. The cutoff time varies depending on the closing hours of a given banking center. In-center cash deposits made on Saturday post the following business day; cash deposits made at a night depository typically post one hour after the banking center’s next scheduled opening time Monday through Friday.
Deposits after the cutoff time will post to the account on the following business day.
Please note: Cash deposits made at an Old National ATM after the cutoff time may reflect as available on your receipt and within online banking but will not be available to pay items posting on that business day.
“Pending” means we have received your deposit request, but it has not yet been fully processed.
A: Please visit our instructions for using Zelle®. (Note: if you haven’t already, you will need to be enrolled in online banking and download the ONB Mobile App to use Zelle®.)
Curious about how peer-to-peer payments work? Learn more.
*Additional money orders above five, $0.99 each.
1 $50 minimum opening deposit required for all accounts, except for ONB EZ Access Checking. $25 fee assessed if account is closed within 180 days of open date.
2 Monthly service charge will be reinstated at the end of scheduled duty.
3 Account converts to ONB Everyday Checking at age 25.
4 Overdraft and returned item fees will be charged if account is overdrawn.
5 For interest-bearing accounts, the interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account periodically. Interest begins to accrue no later than the business day we receive credit (collected funds) for the deposit of noncash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the Collected Balance in the account each day. The current Annual Percentage Yield [APY] for ONB Preferred Checking accounts accurate as of 2/1/2025 is 0.01% on account balances in all balance tiers. The current APY for ONB Classic Checking accounts accurate as of 2/1/2025 is 0.01% on account balance tiers over and under $2,500.00. Fees may reduce earnings on these accounts.
6 Old National will waive our Foreign ATM Fee for the first 5 cash withdrawals per calendar month from other banks’ U.S. ATMs. You may incur separate ATM surcharge fee from the owner or operator of the ATM.
7 Subject to account review. Not available with all account types. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. All other brand and product names are property of their respective owners.
8 No ATM Transaction Fees charged for Old National debit Mastercard® and ATM card transactions made at Old National Bank ATMs and Allpoint® ATMs. If you use an ATM from a different ATM operator, you may be charged a fee by the ATM operator and you may also be charged an ATM Transaction Fee by Old National. Access to Allpoint Network is not available for Home Equity Line Access cards.
9 There are no Old National fees to use Mobile Banking; however, there may be charges associated with data usage on your phone. Check with your wireless carrier for more information. Not all accounts or customers are eligible for Mobile Deposit. Deposits subject to verification and may not be available for immediate withdrawal. See Terms in App for deposit limits and other restrictions.
10 Apple Pay® is not available at all retailers. Apple Pay is a trademark of Apple Inc. Samsung Pay® is a trademark or registered trademark of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. Google Pay™ is a trademark of Google, LLC.
11 Zelle® is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle® to send money to anyone you don’t know. Transfers require enrollment with Zelle® and must be made from an eligible Old National Bank consumer deposit account to a domestic bank account or debit card. Dollar and frequency limits apply. See your Mobile Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply. Neither Old National Bank nor Zelle® offers protection program for any authorized payments made with Zelle®.
All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.
12 To receive the $50 Reward Card: Both Referrer and Referred individual (Referee) must register for the program. Referee must then open an eligible account, complete ten (10) debit card purchases (ATM withdrawals not eligible) AND have one (1) or more direct deposits totaling $500 or more within 60 days of account opening to receive the bonus.
13 TO QUALIFY FOR THE CONSUMER CHECKING CASH BONUS OF UP TO $600: To earn the checking account bonus, the customer must be new to personal checking and open an ONB Everyday or Preferred Checking account with a minimum deposit of $50 between 2/3/2026 and 10/30/2026 at any Old National banking center or online (online account opening available to applicants residing in Iowa, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Dakota, Tennessee, or Wisconsin) and complete the following:
TO QUALIFY FOR $600 CASH BONUS: Make 3 or more qualifying direct deposits totaling at least $12,000 into the new account within the first four months of account opening. Maintain a positive account balance at the time of bonus processing.
TO QUALIFY FOR $300 CASH BONUS: Make 3 or more qualifying direct deposits totaling at least $3,500 into the new account within the first four months of account opening. Maintain a positive account balance at the time of bonus processing.
The qualifying 3 or more ACH direct deposits must be made to the new account within the first four months of the new account being opened ("Qualification Period"). For example, if the account was opened in February, the four-month qualification period would be February, March, April, and May.
Qualifying ACH direct deposits include recurring electronic direct deposits of a paycheck, pension payment, social security payment or other government benefits payment deposited into the checking account from an employer or government agency. Deposits made by teller/ATM/mobile deposits, micro-deposits, online and mobile banking transfers, wire transfers, debit card transfers, transfers between Old National accounts, external transfers from other accounts at other financial institutions or brokerages, or Peer to Peer (i.e. Zelle, Venmo) transfers do not qualify as a qualifying direct deposit.
After successful completion of the recurring qualifying ACH direct deposit requirement, cash bonus will be credited into the new ONB Everyday or Preferred Checking account between the 121st and 140th day after account opening. Eligibility for the bonus requires that the account be open and maintain a balance greater than $0 at the time the bonus is credited, which will occur between the 121st and 140th day after account opening. Accounts that are closed, restricted, have a zero or negative balance at the time of bonus processing are not eligible to receive the bonus.
The bonus may be taxable and may be reported on IRS Form 1099. Please consult your tax advisor regarding any tax consequences associated with the bonus. Old National Bank nor their employees provide tax advice. Limit one cash bonus per customer [Taxpayer Identification Number (TIN)/Social Security Number (SSN)] regardless of the number of checking accounts opened. Recipient(s) (customer TIN/SSN) of cash bonus shall not be eligible to receive a cash bonus on any other Old National personal checking account.
Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
Old National reserves the right to extend or discontinue offer at any time without notice. Not valid with any other Old National checking account offers. Old National Bank reserves the right, in its discretion, to disqualify any account and withhold the promotional bonus if Old National Bank determines that the account was established for the purpose of exploiting the promotional offer or otherwise constitutes promotional abuse.
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Residents of California have certain rights regarding the sale of personal information to third parties. Old National Bank, our affiliates, and service providers use information collected through cookies or in forms to improve the experience on our site and pages, to analyze how our site is used, and to present personalized advertising.
At any point, you can opt-out of the sale of your personal information by selecting Do Not Sell My Personal Information.
You can find more information and how to manage your privacy choices by reviewing our California Consumer Privacy Disclosures located on our Privacy information page by following the link on the bottom of any page.