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FIND THE RIGHT CHECKING ACCOUNT

You work hard for your money. It deserves a safe home. But not everyone has the same needs and goals when it comes to cash management. That's why we offer six distinct checking options1 with different features and rewards.

Our Most Popular Checking Options

  • ONB EVERYDAY CHECKING

    Open Account

    • Basic Savings – an easy way to save
    • Market Monitor – a simple, market-rate account
  • ONB STUDENT CHECKING

    Open Account

    • No minimum balance
    • No monthly service fee4
    • Kids Start Savings – a fun way to develop a saving habit
  • ONB PREFERRED CHECKING

    Open Account

    • Select Savings – the perfect blend of security and return
    • Market Monitor – a simple, market-rate account

Our Specialized Account Options

  • ONB CLASSIC CHECKING

    Open Account

    • Earn interest with tiered rates5
    • Complimentary Old National standard checks or 25% off other styles
    • Check images mailed with statements or online images with eStatements
  • ONB EZ ACCESS ACCOUNT

    Make an Appointment

    • No minimum balance requirement
    • 5 money orders per month included*
    • No paper checks, just use your debit card
    • Free eStatements or paper statements
    • Open an account with as little as $10
    • Monthly service charge of $4.95
    • No overdraft fees
    • Debit card included
    • eStatements or paper statements

Checking Benefits With Every Account

All of our checking accounts1 include:

  • Debit Mastercard® with chip technology7
  • Surcharge-free transactions at any Old National ATM and more than 55,000 Allpoint® ATMs worldwide8
  • Digital Banking with Bill Pay and Mobile Deposit9
  • Apple Pay, Google Pay and Samsung Pay so you can shop in-store, in-app or online10
  • Zelle® so you can securely send money to the people you trust11
  • Real-time transaction alerts; turn your card on/off with Card Controls
  • Automated Fraud Monitoring alerts you to potentially unauthorized transactions
  • $50 ReferLive referral bonus12
  • Overdraft Solutions to help you manage your accounts

The Old National Bank Routing Number is 086300012. See it on a check. See our other account FAQs.  

Tips and Advice for Your Money

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FIND THE RIGHT CHECKING ACCOUNT

Choose a checking account that fits your spending habits and lifestyle.

Go to Our Selector

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SAVINGS CALCULATORS

How much could your savings be worth? How much should you deposit each month? Get your questions answered!

Go to Calculators

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4 MONEY MYTHS AND HOW TO TACKLE THEM

Many people put off their money goals until later. Achievement happens when you start now. Learn how.    

Start Your Journey

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MOBILE CHECK DEPOSIT

Use your mobile phone to deposit checks — and save yourself a trip to your local branch.

Learn More

Our 5 Most Frequently Asked Questions

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.
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.