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1. What is mortgage pre-qualification?

   Mortgage pre-qualification enables you to begin the application process and gain helpful information even before you start looking at homes. 

   With pre-qualification, you’ll know how large of a mortgage you can may qualify for, which means you’ll know what pricepoint you’ll be looking in. You’ll know your spending limit, and will also be a more attractive buyer to sellers (because they will know you’ll be able to receive the financing you need to buy the property).

   While pre-qualification isn't actual approval, it can help speed up the approval process when you find the perfect home. Getting pre-qualified is quick and easy, and you can have an answer in minutes.
   
   Talk to a mortgage expert about getting pre-qualified.

2. How can I report a lost or stolen debit card?

   You can report your lost or stolen Old National debit card 24-hours a day by calling 1-800-731-2265, option 2, in the US. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your debit card, check for unauthorized transactions and order a new debit card for you.

   If you notice unauthorized activity on your debit card through Online and Mobile Banking, you can turn your card off right away with the Card Controls feature in Online Banking and the Mobile App.

   Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report the unauthorized activity on your card and obtain a new one.

3. What are the different types of ownership for a business?

   The most common structures for a business are Sole Proprietorship, Limited Partnership, Limited Liability Partnership, Limited Liability Company, S-Corporation and Corporation.

4. How can I see when my homeowner's insurance is paid from my mortgage escrow?

   You can find information about payments for your homeowner’s (hazard) insurance in Mortgage Manager, within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.
   
   To find a specific payment amount during a time period you select, go to My Home on the top menu and choose Payment History. Select a date range to see what payments have been made during that time.

5. How can I get more information about an unfamiliar charge on my credit card?

   If you see an unfamiliar charge on your credit card, and you want to obtain more detailed information, please call 1-800-558-3424.

6. Can I receive my mortgage statement electronically rather than by mail?

   Yes. You can enroll in electronic statements for your Old National mortgage loan within Mortgage Manager. Just follow these steps:

   1. Log into Mortgage Manager
   2. Select Account Management
   3. Click on Document Center
   4. Under Mortgage eStatements select Paperless Statements
   5. Open and review eStatement Delivery Terms and Conditions
   6. Select I agree to the terms and conditions
   7. Click Let's do this!

   Use our guide How to Sign Up for Mortgage eStatements for step-by-step instructions as well.

   You will receive an email notification letting you know when your statement will be ready for viewing. If you change your mind and would like to resume receiving paper statements in the mail, you can de-activate this service in Mortgage Manager at any time.

7. What is a mortgage escrow account?

   Your mortgage escrow account makes it easier to manage your mortgage payment along with property tax and insurance premium payments for your home. You don’t have to save for taxes and insurance separately, because your escrow account enables you to make one monthly mortgage payment for all. When you make a mortgage payment, part goes toward your mortgage to pay your principal and interest. The other part goes into your escrow account for property taxes and insurance premiums (for example homeowners insurance).

   When your property tax or insurance bills are due, Old National pays those for you using the funds that have built up in your escrow account.

   You can view your escrow account information within Mortgage Manager.

8. How do I know which of these replacement benchmarks is right for my loan?

   Old National has thoroughly analyzed and evaluated replacement benchmarks. Our goal is to provide you several sound options since one size does not fit all. The replacement benchmarks noted above have different characteristics, advantages, and disadvantages. Your Old National relationship manager will work with you to decide which LIBOR alternative best fits your needs.

9. How do I set up a recurring payment in Online Bill Pay?

   From a Web Browser

   • Log in to your Digital Banking account.
   • Open Online Bill Pay.
   • Locate the payee on your list.
   • Under the Options list, select the Automatic Payment tab.
   • Next, select the account you would like to pay from, the amount and the frequency.
   • If you are sending the payment via check, you may Add a Memo (located under Amount).
   • Under Frequency, you may select start and end dates for the payment, or choose No End Date to continue to make payments until you turn them off.
   • Email notifications are also available for when the payment is scheduled, when the payment has been sent or before the last payment is sent. 
   • When you are satisfied with your payment information, click Save.

   In the list of payments, you can easily see items that are set up with recurring payments. They are identified by the rotating arrow icon.

   • Use the Edit button to edit a recurring payment, or you can change the entire payment rule.
   • Click Add to make additional payments to a payee.

   On the Mobile App
   Recurring payments can be viewed and cancelled in the mobile app, but can only be setup and maintained from a web browser.

   • To view or cancel a recurring payment in the mobile app, tap Payment Center and then select Bill Pay.
   • Tap Schedule.
   • If you wish to cancel, tap the scheduled payment and tap Cancel payment.
   • Tap Yes to confirm.
10. Why was I charged a paper statement fee?

    Some Old National accounts require the use of electronic statements or eStatements to avoid a monthly paper statement fee. This would have been disclosed when the account was opened. If you disable eStatements for Student Checking, Everyday Checking or Personal Plus accounts, there will be a paper statement service charge of $3 per month. Disabling eStatements for certain Health Savings accounts will result in a paper statement service charge of $2 per month.

    You can enroll in eStatements, and select the accounts for which you want to receive eStatements, through Online Banking or the Mobile App. Just follow these simple steps:

    In Online Banking

    • Log in to Online Banking.
    • Click eStatement Preferences under eStatements and check the box next to the account(s) for which you want to receive eStatements. If the box is already checked when you navigate to this page for the first time, please uncheck and re-check the box to ensure your preference is correctly saved.
    • Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions).
    • Enter the six-character Confirmation Code in the box and hit Continue
    • Verify the email address where statement notifications should be sent and hit Accept.

    Enrolling in eStatements from our Mobile App is similar. Watch our tutorial on signing up for eStatements from your phone.

    When you enroll in eStatements, you will no longer receive a paper statement.

    If you have questions or need assistance, please contact Client Care at 1-800-731-2265.