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        1. What if I want to send money to someone whose financial institution doesn't offer Zelle?

          You can find a full list of participating banks and credit unions live with Zelle® here.

          If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

          To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

        2. How do I sign up for direct deposit?
          1. Gather your account information, including the Old National routing number of 086300012 and your account number found on the bottom of your Old National check. There are three groupings of numbers on the bottom of your check. Your account number is the center set of 7-10 numbers.
          2. Contact your employer or depositor to verify if they have a process for direct deposit.
          3. If you are switching direct deposit from another bank to Old National, you can use our Direct Deposit Switch Form.
          4. Watch for your first deposit, which can take up to two months.

          Direct deposit contact information:

          Type of Direct Deposit New Direct Deposit
          (switch from paper checks to electronic deposit)          		 Existing Direct Deposit
          (switch from another bank to Old National)
          Salary, Pension, Dividends, Investment income Contact your employer or payor directly.
          Social Security or Supplemental Social Security Visit www.godirect.gov/gpw/ or call Go Direct at 1-800-833-1795 Call 1-800-772-1213
          Railroad Retirement Call 1-800-808-0772
          Civil Service Retirement (Office of Personnel Management) Call 1-800-767-6738
          Veterans Compensation Call 1-877-838-2778
          Other Federal Agency Benefits Contact the agency directly or call Go Direct at 1-800-333-1795 to get the phone number of many federal agencies.
        3. Where can I find mortgage loan payoff information?

          For the correct amount to pay off a mortgage loan, please do one of the following:

          A loan's payoff information is not available within Online or Mobile Banking. The remaining balance shown on a loan within Online and Mobile Banking may not reflect all interest, fees, payments, etc. To obtain the correct amount to pay off a loan, it is best to call us or visit a banking center.

          Please note that loan payoff amounts over $3,500 must be paid in a banking center and cannot be accepted over the phone.

          Amounts under $3,500 can be accepted by phone as an electronic check (eCheck) only, and not by credit card or debit card. There is also a fee associated with loan payments made by phone. You will need to have your routing number and account number to pay by eCheck.

        4. Why am I being asked to verify my identity when logging in to Digital Banking?

          If our Digital Banking does not recognize the device you are using to log in, you are asked to verify your identity for the security of your account. There are several common reasons that this happens such as:

          • You recently cleared your browser's cookies
          • You are using a different browser from the one you used previously
          • You knowingly or unknowingly asked to not skip this extra security step
          • You are using your browser in private or incognito mode

          After you complete the verification steps of receiving a code by phone call, text message or email, and you enter it to confirm your identity, you can choose Yes, register my private device to avoid repeating the verification process each time.

          If you have questions about verification, please call Old National Client Care at 1-800-731-2265.

        5. What are my options for contacting Old National?

          We offer several convenient ways to connect with us. 

          • Visit a nearby location. (Note: Please check our locator for information about specific locations. All banking centers are accepting appointments for lobby transactions and will serve you at our drive-thru windows (where available). See our FAQ with information on scheduling an appointment.)
          • Call our Client Care team at 1-800-731-2265. Phones are answered Monday through Friday, 7am to 6pm, and Saturday, 7am to noon (all Central time).
          • Use our email form to submit comments or request a call.
          • Sign in to to your Digital Banking account from the Old National home page, and choose Secure Chat from the top menu.
        6. What should I do if I think someone has gained unauthorized access to my Digital Banking?

          Please contact us as soon as possible by calling Client Care at 1-800-731-2265, Option 3, to report any suspicious activity on your account.

          If you believe someone has gained unauthorized access to your Digital Banking or Mobile App, you should change your Digital Banking credentials. From the web browser, log in to Digital Banking. Go to My Settings in the upper right. Under Log In & Security, edit your User ID and Password. From the Mobile app, Go to My Settings in the upper right. Tap my settings, edit your User ID and Password. 

          If you believe the unauthorized activity may be a result of someone using your debit card, you can turn your card off (and back on again) with our Card Controls feature in Online Banking and the Mobile App.

          Of course, prevention is the best approach. To find information on steps you can take to protect against having your account or information compromised, visit our security center.

        7. What are eBills and how do I use them?

          eBills are online versions of your paper bills that you receive. eBills enable you to review and pay bills directly from your Digital Banking account within Online Bill Pay.

          When setting up a new payee, Bill Pay will check to see if this payee offers eBills. If eBills are available, simply click Get eBill to begin enrollment.

          • To start filling in the required information, click Get Started!
          • Fill out the required information and agree to the terms. 
          • When ready, click Submit to complete the enrollment. 

          Keep in mind that it may take up to two billing cycles before you begin receiving eBills.

          Set up an automatic payment for an eBill payee:

          • Start by clicking Options.
          • Then select Automatic Payment.
          • You can choose your options for how you would like to pay your bill.
        8. Why is my request for Digital Banking access showing as declined or pending?

          When you complete the Digital Banking enrollment process, we must verify the information you provide in order to prevent any unauthorized access to your account. The security of client information is one of our highest priorities. If your request for Digital Banking has been declined, it most likely means we were not able to successfully verify the information you provided during the enrollment process. A pending status most likely means we are working to verify your information. We will email you to notify you when your Digital Banking enrollment request is approved or declined.

          If you have questions or concerns about your Digital Banking enrollment, please call Client Care at 1-800-731-2265, and one of our associates would be happy to assist you.

        9. How do I improve my credit score?

          Regular, timely payments on your bills are the best way to improve your credit score. These payments won’t necessarily immediately give you a boost—the credit scoring agencies want to see that you can consistently make regular payments over several years. Over the long run, however, on-time, in-full payments are the most reliable way to achieve a higher credit score. 

          You may see a faster boost to your credit score by reducing your credit utilization ratio. This means the amount of money you owe, compared to the amount you’re allowed to borrow. For example, if your credit card limit is $2,000 and you regularly spend nearly that amount per billing cycle, your credit score will likely be lower than if you have a credit limit of $20,000 and you regularly spend nearly $2,000 per billing cycle. In each case, you’re spending the same amount, but in the second example you’re using less of your available credit—that’s something credit scoring agencies like to see.

          In cases like this, a simple step like requesting an increased line of credit on your credit card (but not spending more), or like regularly paying half your credit card bill in the middle of the billing cycle, could boost your score relatively quickly.

          Other things that impact your credit score: how long you’ve had credit (the longer the better, particularly if you’ve had most of your accounts a long time), how many recent credit inquiries you’ve had on your account (the fewer, the better) and the total amount you still owe (the lower the better). 

        10. What is meant by multi-factor authentication?

          Multi-factor authentication is a security method that verifies your identity from more than one source. If our Digital Banking does not recognize the device you are using to log in, we use multi-factor authentication to verify your identity for the security of your account.

          You will receive a verification code by the method you select (phone call, text message or email), that you must then enter to confirm your identity and access Digital Banking. If you choose Yes, register my private device, you will not be required to complete this verification process each time.

          There are several common reasons that you may be asked to verify your identity, such as:

          • You recently cleared your browser's cookies
          • You are using a different browser from the one you used previously
          • You knowingly or unknowingly asked to not skip this extra security step
          • You are using your browser in private or incognito mode

          If you have questions about verification, please call Old National Client Care at 1-800-731-2265.