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1. What if I get an error message when I try to enroll an email address or U.S. mobile number in Zelle®?

   Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call the Old National Client Care team at 1-800-731-2265 and ask them to move your email address or U.S. mobile phone number to Old National so you can use it for Zelle^®.

   Once Client Care moves your email address or U.S. mobile phone number, it will be connected to your Old National bank account so you can start sending and receiving money with Zelle^® through Online or Mobile Banking.
   
   Please call Old National Client Care toll-free at 1-800-731-2265 for help.

2. 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^®.

3. Someone sent me money with Zelle, how do I receive it?

   If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.¹

   If you have not yet enrolled with Zelle^®, follow these steps:

   1. Click on the link provided in the payment notification you received via email or text message.
   2. Select Old National.
   3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

   ¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®.
   

4. Why am I receiving calls regarding my loan account being past due when I have a grace period?

   The grace period on your loan doesn't provide additional time beyond the due date to make a payment. The grace period only provides additional time before a late charge is assessed. If we don't receive your payment by the due date, it is considered late, and you may receive correspondence by phone or mail regarding the status of your payment.

5. Can I open a checking account online?

   We do provide a way to open most checking accounts online. Go to our Compare Checking Accounts page, find the account that best suits your needs and select the Open Account button.

   We offer a variety of checking accounts to meet different needs. If you would like to talk to someone about the type of checking that would be best for you, please visit a banking center or call us at 1-800-731-2265.

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 find the phone number for a certain Old National branch?

   There are several ways to find the direct phone number for an Old National banking center by using our website locator or our Mobile App:

   On the website
   Visit oldnational.com/locations to go to our Branch & ATM locator page. Enter the following information into the Search box. 

   • To find a specific location, including phone number, enter the address (as much as you know), city and state of the location you are searching for. Select Search.
   • A listing of locations will be provided, and each location will include the direct phone number.

   In the Mobile App

   • Open the App on your device. You do not have to log in. At the bottom of the Login screen, select Locations. You can use the Search at the top of the screen to find a branch or ATM by address, zip code or city.
   • If you are already logged in to the Mobile App, go to More at the bottom right of the screen and then Locations under Contact Us.
   • Tap the map pin for the location you are searching for. Then tap the white box that appears to see the location phone number.

   Results of Location searches will be more accurate if you have enabled your mobile device to show your current location.

9. Is there a way to stop an automatic loan payment if I don't have funds in my account to cover it?

   We are not able to stop a single payment, but we can cancel the entire automatic payment service at your request. You can re-establish automatic payments when you are ready.

   Requests should be received at least 5 business days prior to the payment due date. 

   For mortgage loans:
   Requests to cancel automatic payments can be submitted within Online and Mobile Banking using Mortgage Manager. They can also be submitted by completing our Mortgage Loan Auto Pay form and either returning it to a banking center or mailing it to PO Box 3728, Evansville, IN 47736.

   For all other personal loans:
   Requests to cancel automatic payments can be submitted by completing our Consumer Loan Auto Pay form and either returning it to a banking center or mailing it to PO Box 3728, Evansville, IN 47736.

   Please note that late payment fees may apply if we do not receive your loan payment by the due date.

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

10. Can I use ATMs that are not Old National or Allpoint ATMs?

    Yes. Your Old National ATM/debit card will work at all ATMs. However, doing so may result in several fees.

    Surcharge fees
    Out of network ATMs (ones that are neither Old National nor Allpoint) may assess you a surcharge fee. An ATM surcharge fee is the fee an owner of an ATM charges cardholders from other financial institutions who use their machine. In other words, if you have an Old National debit card and use it at another bank's ATM, that bank may assess a surcharge.

    Foreign fees
    For most types of checking accounts, Old National will charge a $2.50 "foreign" ATM fee (on top of any ATM owner surcharge) if you use a non-Old National Bank or non-Allpoint ATM. 

    To ensure fee-free ATM usage, we recommend always using an Old National or Allpoint ATM when possible. To find an Old National or Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find both Old National and Allpoint ATMs.