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        1. What is direct deposit?

          Direct deposit is when you have a regular payment, such as a paycheck or a social security payment, deposited directly into your bank account rather than receiving a physical check.

          There are several benefits to direct deposit: it’s more secure than a physical check, since it can’t be lost or stolen; it arrives in your account more quickly than a physical check would arrive via mail; and, you don’t have to spend time depositing your physical check.

          If you’re interested in setting up direct deposit to an Old National account, we have direct deposit instructions.

        2. How do I set up and use Card Controls?

          Card Controls enable you to monitor debit card activity, receive alerts for certain types of
          transactions and turn your card off/on in the event that it is lost or stolen.

          On a Web Browser

          To set up Card Controls through a web browser, log in to your Digital Banking account on oldnational.com. Select Additional Services at the top of the screen and then Card Controls.

          You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

          Setting Card Controls to "ON" or "OFF" 

          • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
          • Setting the debit card status to “OFF” suspends all activity on the card. The status must be set to “ON” to use the card.
          • A debit card must be in “Active” status to add Declines and Alerts.

          Setting debit card Alerts

          • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
          • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
          • To set up an Alert for a specific Transaction Type only, choose that transaction type. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
          • When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.

          Declining debit card transactions

          • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
          • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline. Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
          • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked.

          Setting Spend Limits

          • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
          • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
          • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
          • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

          A note about Email vs. Text Alerts
          Card Control Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

          Mobile App

          Tap on the more button, under Payment Center tap Debit Card Controls

          You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to ON the first time you view them. Suspended cards which are not available for Card Controls are displayed as OFF.

          Setting Card Controls to ON or OFF 

          • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
          • Setting the debit card status to OFF suspends all activity on the card. The status must be set to ON to use the card.
          • A debit card must be in Active status to add Declines and Alerts. 

          Setting debit card Alerts 

          • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
          • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
          • To set up an Alert for a specific Transaction Type only, choose that transaction type.
          • Set the Send Alerts option to ON.
          • When an Alert is turned on, you will see a blue bell next to it. When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert. 

          Declining debit card transactions 

          • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
          • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline.
          • Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
          • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked. 

          Setting Spend Limits 
          When Spend Limits are set on your debit card, transactions made over a certain amount will be declined.

          • To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
          • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
          • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT.
          • Enter the minimum dollar amount for which you want to receive an Alert.
          • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100. 

          A note about Email vs. Text Alerts 

          • Card Control Alerts are emailed to the email address listed in Digital Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too.
          • There is not a way to turn off the email alerts.
          • You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.
        3. Does Old National offer foreign currency exchange services?

          Yes. We buy and sell select foreign currencies at any of our banking centers. This service is available only to Old National clients.

          For next-day service, you can visit any of our banking center locations. Orders are debited from your checking, savings or money market account. In addition, when you return from your trip, you can exchange leftover paper currency at any Old National branch.

          For more information, visit our foreign currency page.

        4. What is an NSF fee, and why did I receive one?

          If there is not enough of an available balance in your account to cover a withdrawal or payment presented against your account, an overdraft will occur and fees may be assessed. These are called NSF fees or overdraft fees. You may also hear the term "insufficient funds" used.

          An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.

          For specific details regarding an overdraft, or to sign up for overdraft coverage, please visit any Old National banking center or call Client Care at 1-800-731-2265. 

        5. What do I do if I received a suspicious phone call claiming to be from Old National?

          What you need to know:
          If you receive an unexpected phone call that appears to be from Old National seeking personal information, follow these steps:

          • Be suspicious
          • Hang up
          • Call Old National at 1-800-731-2265 Monday-Friday, 7am to 6pm CT or Saturday, 7am to noon CT

          What you need to do:
          If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm CT or Saturday, 7am to noon CT.

        6. What is the "Pending" transaction in my Digital Banking transaction history?

          When you see “Pending" transactions in your Digital Banking history, it can represent two different types of activities on your account:

          ATM or Debit Card Transactions
          This "Pending" transaction could be a recent ATM or Debit Card transaction that has not yet posted to your account. For example, it could be an ATM withdrawal or a Debit Card purchase you made from a merchant. You will be able to see specific details, such as the name of the store where you made a purchase, after the transaction has posted to your account. 

          Certain Deposits
          A "Pending" transaction can also be a recent deposit which has checks or other items from a bank other than Old National and are, therefore, not available for you to immediately withdraw. This type of transaction will show under "Pending," as both a deposit and as a withdrawal, until Old National collects the funds from the other bank. Once these funds are collected, they will become part of your available balance and will no longer show as a withdrawal on your account. This could be as soon as the next business day after your deposit is made, but in some instances it may be longer.

          To obtain additional details about "Pending" transactions, you can contact Client Care at 1-800-731-2265.

        7. How do I set up and use Card Controls in the Mobile App?

          Card Controls enable you to monitor debit card activity, receive alerts for certain types of transactions and turn your card off/on in the event that it is lost or stolen.

          After logging in to the Mobile App, go to More on the lower right of the Accounts screen. On the Account Services screen, select Card Controls.

          You will then see a list of your debit cards. Active debit cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

          Setting Card Controls to "ON" or "OFF" 

          • Next to Card Status, use the ON/OFF toggle to set the debit card status as being active or suspended.
          • Setting the card status to “OFF” suspends all activity on the debit card. The status must be set to “ON” to use the card.
          • A debit card must be in “Active” status to add Declines and Alerts.

          Setting debit card Alerts & Controls

          • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
          • The Set Declines and Alerts screen will open with three options:
            • Send Alerts for all transactions, next to a toggle bar
            • Transaction Type
            • Spend Limits
          • Next to Send Alerts for all transactions, you can set the toggle to ON to receive Alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
          • To set up an Alert for a specific Transaction Type only, choose Transaction Type for a list of options. Tap the option(s) for which you want to receive an Alert. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
          • When a transaction is set to ON, EVERY transaction of that type on the debit card will trigger an Alert.

          Declining debit card transactions

          • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
          • To decline a specific Transaction Type, tap Transaction Type for a list of options. Tap each option you want to block and next to Decline Transaction set the toggle to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
          • When a transaction is set to BLOCK, EVERY transaction of that type on the debit card will be declined/blocked.

          Setting Spend Limits

          • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits option.
          • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
          • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
          • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

          A note about Email vs. Text Alerts
          Card Controls Alerts are emailed to the email address you have listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by logging in to Online Banking from a browser and removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

        8. Do you offer referral bonuses?

          Yes, through our ReferLive program, clients can earn up to $500 per calendar year when they refer friends and family for a new eligible Old National checking account. Visit the ReferLive registration page to enroll and begin making referrals.

          Requirements
          Both the referrer and the new account holder receive a $50 Visa® Reward Card once the person referred completes the following requirements within 75 days of account opening:

          • Completes ten (10) debit card transactions (ATM withdrawals excluded) AND
          • Has one (1) or more direct deposits totaling at least $500

          Note that this offer is not available to any friend or family member who already has an Old National checking account, or is a joint owner for an existing checking account.

          Receiving your Reward Card
          Your Reward Card will be mailed to you. Please allow 4-6 weeks for delivery after all offer requirements are completed.

          Other ways to register
          In addition to using the online registration form, you can also enroll to begin making referrals in the following ways:

        9. Who can I send money to with Zelle?

          You can send money to friends, family and others you trust.1

          Since money is sent directly from your bank account to another person's bank account within minutes,2 it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

          1 Must have a bank account in the U.S. to use Zelle®.
          2 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

        10. What is an overdraft?

          An overdraft is when you’ve spent money from a bank account that is short on funds, but your bank allows the payment to go through anyway. For example, if you wrote a check for $100, but you only had $80 in your account, your bank may allow you an overdraft of $20 to cover the difference.

          Typically, there’s a fee associated with an overdraft, but not always. Click to learn more about Old National overdraft solutions.