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1. What is the difference between Card Controls and Automated Fraud Monitoring?

   Both Card Controls and Automated Fraud Monitoring help to protect you from fraudulent activity on your debit card and account.

   Card Controls give you direct control within Online Banking or the Mobile App. You are able to select the types of alerts you want to receive, set spending limits, decline transactions and more.
   
   Automated Fraud Monitoring is a service Old National debit card holders are automatically enrolled in. If we ever suspect that your card is being used by someone other than you, we’ll send you a real-time text alert, email or phone call and ask for your confirmation. Based on your response, we can immediately shut down your card if necessary. If you prefer, you can opt out of Automated Fraud Monitoring alerts.

   Both Card Controls and Automated Fraud Monitoring are free services, and together they provide a double layer of protection for your account and debit card.

2. How can I dispute a transaction that I don't recognize on my account?

   For Check Disputes
   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.

   For Electronic and Debit Card Transaction Disputes
   You may call Client Care at 1-800-731-2265, Option 2, or visit an Old National banking center. Our associates can assist in filing the paperwork as well as issuing a new debit card if applicable.

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

3. 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.

4. How do I apply for a business loan?

   You will want to talk to a member of our business banking team, since the best loan solution can depend on your specific needs and goals. To help expedite the process when you apply for a business loan, visit our documents you will need page. Here we provide a checklist of items we need to consider your business loan request, including small business administration and commercial real estate loans.

   You will also find a link to our Personal Financial Statement form, Personal Financial Statement WI Residents Only residents and our SBA Loan Submission Packet.

   To get our conversation started, please call us at 1-800-731-2265 or send an information request form.

5. How can I see when my homeowner's insurance is paid from my mortgage escrow?

   You can find information about payments for your homeowner’s (hazard) insurance in Mortgage Manager, within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.
   
   To find a specific payment amount during a time period you select, go to My Home on the top menu and choose Payment History. Select a date range to see what payments have been made during that time.

6. My loan contract matures after June 30, 2023. What happens if I choose not to do anything to amend my contract to incorporate a new benchmark before that time?

   As mentioned above, on June 30, 2023, LIBOR will cease to exist as a reference rate in all financial contracts. This means that all existing loans referencing LIBOR will automatically convert or “fallback” to a new, replacement benchmark. Old National will be following industry standards, including guidance provided by the US Adjustable Interest Rate (LIBOR) Act, which has identified the process as well as “fallback” index to be utilized. Old National will notify you of the new replacement benchmark selected for your loan.

7. Can I make a deposit through an Old National ATM?

   Old National has many ATMs that will accept deposits, and we continue to add more. To find an ATM that accepts deposits, follow these steps:

   • Go to the oldnational.com locator
   • Next to the locator map, select the ATMs filter and unselect the Allpoint Surcharge-Free ATM filter. Our Partner ATMs, which are part of the Allpoint network, do not accept deposits.
   • Type your zip code or city/state into the Search bar to find the nearest ATMs

   Deposits made at an ATM are available for withdrawal based upon our typical funds availability policy. This means they may not be available for immediate withdrawal and use.

   If you have questions about making deposits at an ATM, please contact Client Care at 1-800-731-2265.

8. What is a mortgage escrow account?

   Your mortgage escrow account makes it easier to manage your mortgage payment along with property tax and insurance premium payments for your home. You don’t have to save for taxes and insurance separately, because your escrow account enables you to make one monthly mortgage payment for all. When you make a mortgage payment, part goes toward your mortgage to pay your principal and interest. The other part goes into your escrow account for property taxes and insurance premiums (for example homeowners insurance).

   When your property tax or insurance bills are due, Old National pays those for you using the funds that have built up in your escrow account.

   You can view your escrow account information within Mortgage Manager.

9. How can I find year-end tax information for my mortgage?

   The fastest way to find year-end tax information is within Mortgage Manager after you log in to Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Taxes report.

   In addition to providing information in Mortgage Manager, we also mail all year-end statements by January 31.

10. Will Card Controls and Alerts replace the current ON Guard Visa Purchase Alerts app?

    Yes, beginning August 12, 2020, the on/off card controls previously available in the separate ON Guard app will be found as a new Card Controls feature in Old National Online Banking and the Mobile App.
    
    That means you’ll be able to turn your debit card on and off, and set transaction alerts, in the same place where you already do all of your other digital banking. There will be no need for a separate enrollment or additional app.

    Visit our Card Controls and Fraud Monitoring page, for step-by-step instructions for activation.