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        1. What is a line of credit loan?

          A line of credit loan is a flexible loan that allows you to borrow what you need, as you need it, up to a set credit limit. As long as you follow your repayment terms, the loan remains open and you can borrow again. The most common example is a credit card, where you can continue to use it month after month, provided your account is in good standing. Other examples include Home Equity Lines of Credit (HELOCs) and revolving lines of credit for businesses.

          The contrasting loan type is a fixed loan, where you’re given a set amount of funds upfront, with the expectation that you repay the loan amount with interest over a set period of time. Once you’ve paid off the loan, there’s no opportunity to borrow again; you’d need to reapply for another loan. Common examples include mortgages, car loans and personal loans.

        2. 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.

        3. 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.

        4. 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.

        5. 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.

        6. 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).

        7. 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.

        8. 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.

        9. 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.

        10. 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.