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1. What if I used my debit card at a business or merchant that was breached?

   What you need to know:
   Unfortunately, merchant breaches happen from time to time but you can feel confident that Old National is protecting the security of your accounts. Old National monitors for unauthorized and suspicious activity.

   Things you can do to help guard against unauthorized use of your debit card:

   • When using your debit card, choose “CREDIT” to receive the benefit of Mastercard^® Zero Liability protection which guarantees 100% protection if your card is lost or stolen so you will never pay for unauthorized purchases

   What you need to do:
   Monitor your account for fraudulent activity and report anything suspicious.

2. What should I do if I'm the victim of check fraud?

   Check fraud occurs when someone steals your actual checks or reproduces them. They then attempt to cash those checks and, if successful, can pull money out of your account.
   
   If you're the victim of check fraud, please visit any Old National banking center, as an associate will need to complete the appropriate paperwork, which will require your signature. At the same time, we will handle any changes that need to be made to your account. Sometimes it may be necessary to close the account and open a new one or issue a new debit card if the card number was compromised.

3. What paperwork do you need from me to endorse an insurance claims check?

   If you have damage to property that is financed through Old National, we will be an active part of your insurance claim process.The paperwork required and necessary steps differ based on the type of property. We have developed the guides you can download below to assist you:

   Home mortgages

   • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including documents you will need to provide and forms you should complete.
   • Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

   Consumer loans
   For consumer loans, such as a vehicle or boat, quick home refi, home equity loans, including second mortgages, please use our Guide to Insurance Claims for Consumer Loans. 

   Commercial loans
   For commercial or business property, contact your Old National Bank commercial lender for guidance.

4. 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.

5. 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^®.

6. 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^®.
   

7. What is a notice of error regarding the servicing of my loan?

   A notice of error is a written notice from you that details error(s) you believe have been made relating to the servicing of your loan. Your notice must include:

   • Your name
   • Your loan number and/or property address associated with the loan
   • Details about the specific error you are disputing and/or information you are requesting

   Only errors related to the servicing of your loan secured by your home are covered through this process (excluding open-ended lines of credit).

   Where to send a notice of error
   Please mail all notices of error to:
   
   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   We do not charge a fee for responding to notices of error.

8. What is a request for information as it relates to the servicing of my mortgage?

   A request for information applies generally to any written request from you for information about the servicing of your mortgage. When submitting a request for information, please make sure your request includes the following:

   • Your name
   • Your loan number and/or property address associated with the loan
   • Details about the specific type of information you are disputing and/or information you are requesting

   Where to send a request for information
   Please mail all requests for information to:
               
   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   We do not charge a fee for responding to requests for information.

9. 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.

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.