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        1. How do I enroll in Digital Banking?

          In a Banking Center
          Associates in our banking centers can enroll you in Digital Banking with immediate access, whether you already have an Old National account or open one that same day. You can then access your Digital Banking account via a web browser, your smartphone, or you can download our Mobile App for the best banking experience on your phone.

          Opening a Checking Account Online
          If you open a new Old National account online, you can enroll in digital banking immediately.  

          Steps for Online Enrollment of Digital Banking
          There are several options for enrolling online:

          1. From a web browser, go directly to the enrollment page or
          2. Go to the blue box located at the top of our oldnational.com home page, click the Login button and select Enroll in Digital Banking or
          3. Download our Mobile App and tap Sign up.

          Once on the enrollment page:

          1. Enter your desired Online Banking User ID and Password.
          2. Enter your personal information.
          3. Enter your Account Type and Account Number. 
          4. Once all requested information is entered, read and accept the Terms & Conditions, select the box and click Complete Sign Up.

          If the information matches, then you will be directed to the login.

          If the information does not match, you will receive a Pending or Declined message. For Pending applications, you should receive an email within 1 business day advising the status of your registration.

          If you’re a business client, please visit a banking center or call 1-800-731-2265 for assistance with enrollment.

        2. If I receive a stimulus check instead of direct deposit, how can I deposit it?

          In addition to visiting a banking center, there are a number of ways you can deposit your stimulus check or any check.

        3. What type of mortgage should I get?

          As with all financial products, the right mortgage is dependent on your individual needs and situation. It’s best to talk with a mortgage expert to determine which type of mortgage will work for you.

          Of course, that doesn’t mean you can’t educate yourself about the various types of mortgages that are available. You can start by viewing our many mortgage options.

          We also have extensive information about mortgages and homebuying available in our Financial Insights.

        4. Are there limits on how many times I can use an Allpoint ATM?

          Old National clients have access to an unlimited number of surcharge-free transactions at Allpoint ATMs.

          Please be aware that there are limits on the amount of cash you can withdraw daily from both Allpoint and Old National ATMs. The amount can vary between Allpoint locations, but most will allow you to withdraw between $200 and $400 in a single transaction. To learn your daily limit, please contact Old National at 1-800-731-2265.

        5. How can I apply for a credit card?

          You can apply for an Old National Credit Card either online or in a banking center.

          To apply online, visit our Credit Card page to read about the types of cards we offer. Then select Apply Now next to the card that fits your needs.

          All of our credit cards offer the following:

          • Free access to your FICO® Score, anytime, anywhere
          • Online and mobile account access
          • Fraud protection - we monitor your account and alert you of any suspicious activity
        6. Does Old National offer overdraft coverage for checking accounts?

          In an effort to help you avoid returned checks or declined transactions, we provide protection services called Overdraft Courtesy and Overdraft Protection. These two services can also be used together for extra protection. Learn more about our Overdraft Solutions.

          Overdraft Courtesy
          Most Old National checking accounts come with Overdraft Courtesy. With Overdraft Courtesy, even if you don’t have enough available money in your checking account, we may still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as utility bills). Overdraft Courtesy does not cost anything unless you use it. If your account becomes overdrawn by more than $25, we will charge you a $36 fee for each overdraft item, up to 2 per day. You are responsible for paying the amount of any overdraft on your account immediately. If your account is overdrawn 7 or more consecutive business days, we will charge a $7 Daily Overdraft fee each business day the account is overdrawn by more than $25 (beginning on day 7), for up to 5 business days.

          Overdraft Protection
          Overdraft protection allows you to link your account to another Old National account. If you accidentally overdraft, we will draw the funds from your linked account. There is no annual fee for the Overdraft Protection service, and you can link to other Old National checking, savings, or money market accounts or a line of credit. The transfer amount will be the exact amount needed to cover the total overdraft amount at the end of each business day, provided your linked account has a sufficient available balance. If sufficient funds are not available in your linked account, we will transfer what is available. Any items not covered by the funds in your linked account will be paid or returned at the Bank’s discretion and applicable overdraft and other account fees may be charged.

          For business analysis accounts, an Overdraft Protection Transfer Fee of $5 is charged for each transfer from your linked account.

          To sign up for Overdraft Protection, or for more information about either service, please visit any Old National Banking or call Client Care at 1-800-731-2265.

        7. What is a pre-authorization hold on my debit card?

          When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

          For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

          Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

          Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

          If you have questions, call Client Care at 1-800-731-2265.

        8. How can I know when my stimulus payment has been direct deposited to my account?

          Visit the IRS Get My Payment (GMP) portal at https://www.irs.gov/coronavirus/get-my-payment to see if you can expect a 2021 Economic Impact Payment. The GMP portal will provide the date when your payment was or will be sent. If GMP reflects a direct deposit date and partial account information, then your payment has been deposited to that account.

          If you haven't already, make sure you are enrolled in Old National Online and Mobile Banking. This will enable you to see a pending transaction from IRS TREAS, if the U.S. Treasury has sent your payment by ACH. You can monitor through Online and Mobile Banking to see when the deposit actually posts to your account making the funds available for use.

          You can also set up text banking and automated alerts within Online Banking or push notifications (under settings) within our Mobile App, so you will be notified when a large deposit is made to your account or when your balance increases by a certain amount.

        9. Why am I not receiving Card Controls Alerts after enrolling?

          If you have followed instructions for setting up Card Controls in a Browser or Card Controls in the Mobile App, and you are not receiving alerts, we recommend the following:

          Check or update your contact information
          Ensure we have your most current information on file. You can do this in one of two ways.

          1. Log in to Online Banking from a browser and select My Settings in the upper right corner of the screen.
          2. Log in to the Mobile App, select More from the bottom menu, then choose Settings followed by My Settings.

          Know where your Alerts will arrive
          Card Controls 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.

          If you need assistance with setting up Card Controls, please contact Client Care at 1-800-731-2265.

        10. What should I do if I forgot my User ID or Password for Digital Banking?

          Your user ID and Password for Digital Banking and the Mobile App are the same. If you have forgotten your User ID and Password, you can do one of the following:

          • On a computer or other device, go to the home page. Go to the blue Login box on the upper right side of the page. Click on Forgot User ID or Password. You will be asked to provide information to receive a temporary  password or click I forgot my user id.
          • If you are using the Mobile App, on the Login screen, tap Forgot Login. Enter the requested information to receive a temporary password or tap I forgot my user id.
          • If, after trying the above, you are not able to retrieve or reset your password, please call Client Care at 1-800-731-2265, Option 3, for login assistance.

          Please note, when requesting or resetting your User ID or Password, you will be asked to enter your email or phone number. For security purposes, the email or phone number must match the email or phone number you have provided for your account. Additionally, resetting your User ID or Password disables your biometrics. To enable, within your app navigate to "More" and access your settings.