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        1. 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®.

        2. 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.

        3. After I submit a notice of error about my loan, how long will it take for me to hear back from Old National?

          Within 5 business days from when we receive your request, we will mail you a letter to let you know that your request was received.

          Then, within 30 business days after we receive your request, we will mail you a letter providing details on the outcome of our investigation. If we agree that an error has occurred, the error will be corrected and this will be included in our response.

          Please note that if the error relates to providing an accurate payoff balance, we will respond within 7 business days.

          If we determine that an error has occurred, we will mail you a letter explaining:

          • The correction that was made
          • The date confirming when the correction was made
          • Information about how you can contact us if you need further assistance

          If we discover that no error took place, we will mail you a letter explaining:

        4. That no error occurred
        5. The reason(s) for that determination
        6. Details about your right to ask for the documents we reviewed to determine that no error took place and how to submit that request
        7. Information about how you can contact us if you need further assistance

          8. Please note that if we determine that additional time may be required to properly research your request, we may extend the review period by 15 business days. If this extra time is needed, we will mail you a letter before the end of the 30 business-day review period to let you know. The letter will explain the reasons why the extended review is necessary.

      • When will my monthly mortgage billing statement be sent out?

        Our system automatically generates a new mortgage billing statement immediately after you make a payment. This enables you to receive your mortgage billing notice 10-15 days sooner, and it provides verification that your most recent payment has been posted to your account.

      • What types of payments can I make with Zelle®?

        Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

        Since money is sent directly from your bank account to another person's bank account within minutes,2 Zelle® should only be used to send money to friends, family and others you trust.

        Neither Old National nor Zelle® offers a protection program for any authorized payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

        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®.

      • What changes can I expect inside the banking center?

        Our banking centers are open. Appointments are accepted and encouraged.

        • Masks: Consistent with CDC guidance, we ask those not fully vaccinated to please wear a facemask while in the banking center. Please note that we may ask for additional verification due to mask wearing.
        • Shields and dividers: You also may notice Plexiglass shields and dividers at teller windows and other areas where you may interact with our team members.

        Please visit our locator for the status and hours of a specific location.

      • 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.

      • What is the meaning of ACH transactions or transfers?

        ACH stands for Automated Clearing House. These transactions are made through a nationwide electronic network that facilitates the transfer of funds between U.S. financial institutions. You can either receive an ACH credit to your account or have an ACH debit taken from your account.

        While this may seem complicated, you could already have experience with ACH transfers. For example, if you’ve ever set up direct deposit for your paycheck, you’ve been paid via ACH transfer, also known as receiving an ACH credit.

        If you’ve ever paid a bill by providing your bank account and routing number, you’ve made a payment via ACH transfer, also known as having an ACH debit taken from your account.

        The benefit of ACH transfers is their speed and reliability compared to paper checks. If you’d like to use your Old National account for ACH debits or credits, our routing number is 086300012.

      • When will my deposit be available?

        Funds deposited to your account will be available to you, based on several factors we have listed below.

        A check written from an account at a bank other than Old National:
        Will not be available until the next business day (if it was deposited by the close of business and there are no holds placed on the checks). This means these funds will not be available to cover checks or other debits processed that night. An extended hold also may be needed. You will be notified if an extended hold is placed on the deposit.

        A check written from an account at Old National:
        Will be added to your account and will have same-day availability (if it was deposited by the close of business). This means these funds will be available to cover checks or other debits processed that night.1

        Cash or Direct Deposit (e.g. payroll, Social Security):
        Will be available the same day as deposit.1


        1 Deposits of this type made at an ATM or by mobile deposit prior to daily cutoff times are credited to your account and available to cover checks or other debits being processed that night.

      • How do I use Quick Pay in Online Bill Pay?

        On a Web Browser
        Here’s how you make a payment from the Quick Pay section on the Digital Banking homepage.

        • First, log in to your Digital Banking account.
        • On the account homepage under Pay to select your payee from the drop-down list. If you have not set up a Payee, please go back to the section on how to Add a Payee.
        • In the Pay from section, select the account you would like to make the payment from. 
        • Use the Calendar to select the available date you want the payment to arrive to the payee and click Save. Keep in mind that some payment options take longer to issue than others, so your available dates may reflect this delay.
        • Next, enter the dollar amount you wish to pay.
        • When finished, click Schedule Payment.
        • You will be asked to confirm your payment, click Confirm to schedule and send your payment or Cancel if you need to make changes.

        On the Mobile App

        • From a mobile app, simply log in, tap Payment Center, then Bill Pay. 
        • Select the To/Payee and the From account. 
        • Enter the amount and the date you want the payment to arrive to the payee. 
        • Tap Pay. 
        • You will be asked to confirm your payment, tap Yes to schedule and send your payment or No if you need to make changes.