Open Your Checking Account Today
Offer expires June 30, 2026. Click below to choose your account option — or to learn more.
Frequently Asked Questions
A: The direct deposit must be a recurring ACH direct deposit made within the first four months after account opening (“Qualification Period”). All deposits must come electronically from an employer or government agency. Examples of qualifying deposits include:
Non-qualifying deposits include teller deposits, ATM deposits, mobile check deposits, micro deposits, internal transfers, external transfers, wire transfers, debit card transfers, and peer-to-peer services such as Zelle or Venmo.
A: To set up direct deposit, provide your employer or benefits provider with your checking account number and the Old National Bank routing number. Our routing number is 086300012.
Click here for step-by-step instructions on how to set up direct deposit.
A: After you successfully complete the qualifying direct deposit requirements, your cash bonus will be deposited between 121 and 140 days from when you opened your account. Your account must be open and have a balance greater than zero at that time of bonus processing.
A: To receive the bonus, your account must be open and have a balance greater than $0 at the time of bonus processing. Accounts that are closed, restricted, have a zero or negative balance at time of bonus processing will not receive the bonus.
A: You can open your Old National checking account online if you live in one of these states: IA, IL, IN, KY, MI, MN, ND, TN, or WI.
A: No. Customers are not eligible if they:
DIGITAL BANKINGOnline and mobile access 24/7, including bill pay and mobile deposit.3
ZELLE®Send and receive money securely with friends, family, and the people you trust.2
EASY ATM ACCESSSurcharge-free transactions at any Old National ATM and more than 55,000 Allpoint® ATMs worldwide.4
CARD CONTROLSTurn your card on and off. Set geographic controls, merchant controls, and spending limits.
A basic checking account with money and time-saving benefits
Monthly Service Charge: $6.95 or $0 if you:
A flexible checking account with the added bonus of earning interest1 each month.
Monthly Service Charge: $15 or $0 if you:
* 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 6/30/2026 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.
1 ONB Preferred Checking is an interest-bearing account, 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. Fees may reduce earnings on this account.
2 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.
3 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.
4 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.
5 Monthly service charge will be reinstated at the end of scheduled duty.
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 fees from the owner or operator of the ATM.
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