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1. How can I close a checking or savings account?

   We do our best to ensure that you have the right financial solutions to fit your life. While we understand that closing an account may sometimes serve your needs best, we also hope that you will consider talking with one of our helpful experts at a nearby banking center. They may be able to find an account or service that is a better match for what you need. If you are moving, they can show you how to use digital banking services to make deposits and manage your account wherever you are. You also can review many of our account and service options on our website, including our Compare Checking Accounts page.

   If you do have a situation in which you need to close your checking or savings account, the following information should help you:

   If your account currently has a $0 balance
   You may contact our Client Care center at 1-800-731-2265 or visit a nearby banking center. Your request may take 1-2 days to process. You will want to make sure any outstanding checks or debit card purchases have cleared before closing your account.

   If you still have money in your account
   If your account currently has a balance, we will need a signature from you to close your account, so please visit a nearby Old National.

   If you aren’t able to close your account in person, you may be able to send a letter with your request by mail or fax, but additional verification is often needed with this method. We recommend that you contact the location where your account was opened, to check what specific information is required before sending your request. Contact information for each banking center is available on our website locator.

2. Why am I being asked to verify my identity when logging in to Digital Banking?

   If our Digital Banking does not recognize the device you are using to log in, you are asked to verify your identity for the security of your account. There are several common reasons that this happens such as:

   • You recently cleared your browser's cookies
   • You are using a different browser from the one you used previously
   • You knowingly or unknowingly asked to not skip this extra security step
   • You are using your browser in private or incognito mode

   After you complete the verification steps of receiving a code by phone call, text message or email, and you enter it to confirm your identity, you can choose Yes, register my private device to avoid repeating the verification process each time.

   If you have questions about verification, please call Old National Client Care at 1-800-731-2265.

3. When using an Allpoint ATM, why did I receive a message screen saying I would be assessed a surcharge fee?

   First, if you receive such a message and are an Old National client, be assured that you will not actually receive a surcharge. Due to technical limitations of certain types of ATMs, Allpoint is currently not able to prevent the “surcharge warning message” screen from appearing in some cases. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e. the withdrawal amount on your receipt will show $20, $40, $60 as opposed to $23.50, $43.50, $63.50, etc. shown when you pay a surcharge).

   If you believe you received a surcharge in error, please contact Old National Client Care at 1-800-731-2265.

4. What types of checks can I deposit through Mobile Deposit?

   You can use Mobile Deposit to deposit checks that are payable to you. You cannot use Mobile deposit for the following:

   • Insurance draft checks
   • Checks payable to a person or entity other than you
   • Checks payable to you and another person
   • Checks or items drawn on a financial institution located outside the United States
   • Checks or items dated more than 6 months prior to the date of deposit
   • Checks or items on which a stop payment order has been issued
   • Checks written from an account in which there are insufficient funds
   • Credit card cash advance checks

   If you have questions about checks or items that are accepted through Mobile Deposit, please contact Client Care at 1-800-731-2265.

5. What is a budget draft payment on my mortgage loan?

   With Budget Draft Payment (Biweekly Drafting), a borrower is allowed to make half-payments every two weeks and apply these payments as a full monthly mortgage payment once a month. Some borrowers find it easier to break a payment up over paychecks, instead of making one large monthly mortgage payment. You can set up budget drafting in Mortgage Manager. Our How to Enroll in Budget Draft guide walks you through the process. 

   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.

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