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1. 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.

2. 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.

3. Why Financial Reporting is the Golden Ticket to Success in Any Business
   Business success can be attributed to a wide range of factors, especially since each business defines ‘success’ differently. For example, although
4. Home Loans for ITIN Holders
   Old National Bank has a special mortgage program for people with Individual Taxpayer Identification Number (ITIN) status. Contact us to get started.
5. Student Loans
   The Old National Student Loan options by Sallie Mae help you pay for college expenses not covered by scholarships and federal loans.
6. Overdraft Solutions
   Old National offers a $25 grace amount, should you overdraw your account. We also have financial tools to track your spending, as well as overdraft solutions.
7. Wealth Management
   Old National Wealth Management specializes in managing money for people with more important things to manage. Talk to us for unparalleled wealth management services.
8. 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.

9. 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.

10. When will I receive year-end tax information from Old National?

    We will mail tax information to the mailing address you have on file with us. Old National does not currently provide access to tax documents online.

    You can also view year-end tax information for your mortgage within Mortgage Manager.

    Please be aware that the the USPS announced they are experiencing processing and delivery delays nationwide due to higher-than-normal volumes and COVID-19 impacts.

    If you have not received your tax documents in a reasonable time period, or you have misplaced them, you can contact Client Care at 1-800-731-2265, Option 4, or visit any Old National banking center to request a copy. Please note that most banking center lobbies are currently open by appointment only due to COVID-19. You can make an appointment through our website locator.