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        1. 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.

        2. How do I sign up for Online Bill Pay within Digital Banking?

          Bill Pay is a free service that enables you to pay your credit card bill, cell phone bill, mortgage payment, utilities, individuals or really any bill you want to pay. Payment is taken directly from your Old National account. It's easy to begin using Online Bill Pay:

          From a web browser

          • Log in to Digital Banking
          • Choose Bill Pay in the top menu
          • You may need to enter a few pieces of identification, otherwise, review and check the box agreeing to the Terms & Conditions
          • Click Complete Sign Up
          • Begin adding information for the business or person you want to pay

          Within Digital Banking, you can make one-time payments and set up automated, repeat payments. You can also enroll to receive eBills (electronic bills) from payees with Bill Pay and view your eBills history.

          Please note: Depending on the party you are paying, payments may be sent electronically or a physical check will be produced and mailed.

          Our Bill Pay has its own FAQ as well. You can find it on the Bill Pay screen in the lower right corner under I want to. . .

          In the Mobile App

          • Open the Mobile App
          • iOS users, choose Bill Pay at the bottom of the screen. Android users, tap the menu icon in the upper left and choose Bill Pay.
          • Select Payees at the top right of the screen
          • In the Add a person or business field begin adding information for those you want to pay

          If you need assistance with enrolling in Bill Pay, please contact Client Care at 1-800-731-2265.

        3. How do I apply for a mortgage loan?

          You can apply for an Old National mortgage loan in several ways:

          Apply through our website

          1. Visit the Mortgage Loan Options page.
          2. If you prefer, you can also designate the mortgage lender you prefer to work with. In that case, go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of the mortgage loan officer you prefer to work with, select Apply Online.

          Call us
          You can also contact a mortgage loan officer directly to schedule an appointment. Go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of each mortgage loan officer, you will find a direct phone number.

        4. If I have a notice of error or request for information about my loan, can I submit it on my payment coupon or other payment form?

          No, a notice on a payment coupon or any other payment form is not considered a notice of error or request for information.

          If you have a question or concern about a loan payment, please contact our Client Care Center at 1-800-731-2265. (Monday – Friday, 7am-6pm CT/8am-7pm ET and on Saturday, 7am-noon CT/8am-1pm ET).

        5. What transactions can I complete at a drive-thru window?

          Most of your banking transactions can be completed through our drive-thru windows, including:

          • Check deposits
          • Standard withdrawals
          • Bill payments
          • Transfers
          • Loan payments

          Our Convenient Ways to Bank guide provides a list of the transactions you can complete in the drive-thru, as well as through other Old National channels.

          Use our locator to find your banking center and their direct phone number.

        6. How can I cancel a pending mortgage payment?

          The easiest way to cancel or edit a scheduled mortgage payment is within Mortgage Manager. Follow the How to Make a Mortgage Payment guide and select Scheduled payments. There you will be able to edit or delete a pending payment.  

          For assistance in changing or cancelling a pending online payment, please call 1-866-853-3277 at least one full business day prior to the scheduled draft payment.

        7. Why can't I see Mortgage Manager in my Online Banking?

          If you have an Old National Mortgage, and don't see Mortgage Manager in Online Banking, you may need to adjust your browser settings. You can find browser troubleshooting guides in our Mortgage Manager Resource Center.

          If, after adjusting your settings, you are still unable to see Mortgage Manager, please contact Mortgage Servicing at 1-866-853-3277.

        8. 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.

        9. 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.

        10. How do I set up automatic payments for my Old National loan?

          For mortgage loans:

          For all other personal loans, such as auto loans:

          • Download and return the Consumer Loan Auto Pay form to set up automatic payments. This form can be returned to a banking center or mailed to PO Box 3728, Evansville, IN 47736.
          • You can also set up a repeat transfer of funds within Online Banking to make a regular payment on your Old National loan. Within Online Banking, go to Move Money and in the drop down select Make a Transfer to set up a repeat transfer from an Old National account. Select Loan Payment (under Move Money) to set up a repeat transfer from an account outside of Old National.

          If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Client Care at 1-800-731-2265 or visit any Old National banking center.