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        1. 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.

        2. How do I set up automatic payments for my Old National loan?

          For mortgage loans:

          For all other personal loans, such as auto loans:

          • Download and return the Consumer Loan Auto Pay form to set up automatic payments. This form can be returned to a banking center or mailed to PO Box 3728, Evansville, IN 47736.
          • You can also set up a repeat transfer of funds within Online Banking to make a regular payment on your Old National loan. Within Online Banking, go to Move Money and in the drop down select Make a Transfer to set up a repeat transfer from an Old National account. Select Loan Payment (under Move Money) to set up a repeat transfer from an account outside of Old National.

          If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Client Care at 1-800-731-2265 or visit any Old National banking center.

        3. Can I use Digital Banking to make an Old National loan payment from a non-Old National checking account?

          Yes, we provide options to pay on your Old National loan from a checking account outside of Old National.

          For auto loan and other consumer loan payments:

          • Sign in to Digital Banking, go to Pay or Transfer in top navigation and select Loan Payment at the bottom of the drop down.

          You will be taken to a screen where you can input information for the external account you want to take your payment from. Please note that the account at another financial institution will need to be verified, so you may not be able to make your payment immediately.

          For mortgage loan payments:

          Currently, only mortgage loans can be paid from within the Mobile app. Payments for other types of loans can only be made within a web browser.

        4. 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). 

        5. When will the check I deposited through Mobile Deposit be available?

          Checks deposited using Mobile Deposit are available for withdrawal based upon our typical funds availability policy. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

          Checks written from an Old National account:
          If you submit a check written from an Old National account through Mobile Deposit by the 8pm cut-off time, Monday through Friday (excluding holidays), the deposit will be available the same day. In other words, it will be credited to your account and available to cover checks or other debits being processed that night.

          Checks written from an account at a bank other than Old National:
          If made by the 8pm CST Mobile Deposit cut-off time, Monday through Friday (excluding holidays), these deposits will typically be available the next business day. This means these funds will not be available to cover checks or other debits processed that night. In some cases, an extended hold may need to be placed on a mobile deposit, meaning funds will not be available the next business day. 

          Viewing your mobile deposit
          You should be able to view your mobile deposit in your Digital Banking transaction history within one to two business days of your deposit.

          If you have questions about your Mobile Deposit, please call Client Care at 1-800-731-2265, or take the check into an Old National banking center.

          ATM Deposits
          As an alternative to Mobile Deposit, many of our ATMs also accept deposits. When viewing our Branch and ATM locator and select the ATM filter.

        6. To submit a notice of error or request for information about my loan, do I have to write a letter, or can I instead call Old National or visit a banking center?

          We are happy to continue to service your account through email, phone and our banking centers. However, we encourage you to submit any notices of error or requests for information in writing to:

          Old National Bank
          Attn: Client Success
          P.O. Box 143
          Evansville, IN 47701

          Written communication ensures that you receive all the protections under the Real Estate Settlement Procedures Act (RESPA).

        7. What are the supported browsers for Old National Digital Banking?

          For security purposes, Old National Digital Banking has certain system and browser (e.g. Chrome, Firefox, Safari) requirements. If you are having issues, we recommend the following:

          You can test your browser to ensure it is fully compatible with Old National Digital Banking. If not, you may need to upgrade your current browser.

          If you have trouble testing your browser, view our list of suggested solutions. If after following the suggested solutions, you still aren't able to view the test, please contact Client Care at 1-800-731-2265 for additional assistance.

        8. What if I am having browser problems in Digital Banking?

          For security purposes, Old National Digital Banking has certain system and browser (e.g. Chrome, Firefox, Safari) requirements. If you are having issues, we recommend the following: 

          First, test your browser to ensure it is fully compatible with Old National Digital Banking. If not, you may need to upgrade your current browser.

          If you have trouble testing your browser, view our list of suggested solutions. If after following the suggested solutions, you still aren't able to view the test, please contact Client Care at 1-800-731-2265.

        9. What should I do if I am having financial difficulties making my loan payment?

          We are here to discuss any options available to you. Please contact our Client Care at 1-800-731-2265, Option 4.

          For a mortgage loan, you can also explore your options by speaking to a housing counselor. To find a list of counselors in your area, visit the U.S. Department of Housing and Urban Development's website at https://hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call 1-800-569-4287.

        10. Do I have the option to make extra principal payments on my mortgage loan?

          Yes, you have the option to make extra principal payments. Your loan must be current before any additional principal payment will be applied.

          The easiest way to do this is within Mortgage Manager. Our Mortgage Manager guides show you how to make a payment and where to enter any additional principal amount: