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        1. What is the timing for the discontinuance of LIBOR?

          There are two main deadlines for the discontinuance of LIBOR. First, the banking regulators including the Office of the Comptroller of the Currency (OCC), the Federal Reserve Bank (Fed) and Federal Deposit Insurance Corporation (FDIC), had directed banks to stop using LIBOR in new financial contracts as soon as practicable, but no later December 31, 2021. Secondly, for all existing contracts that mature after June 30, 2023, LIBOR will need to be replaced with a new benchmark interest rate.

        2. Can I open a savings account online?

          We do provide a way to open a basic savings account online. Go to our Personal Savings Accounts page. In the grid with our various types of accounts, go to Basic Savings and select the Open Now button.

          We offer a variety of savings options to meet different goals. If you would like to talk to someone about the type of savings that would be best for you, please visit a banking center or call us at 1-800-731-2265.

        3. 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.

        4. What is direct deposit?

          Direct deposit is when you have a regular payment, such as a paycheck or a social security payment, deposited directly into your bank account rather than receiving a physical check.

          There are several benefits to direct deposit: it’s more secure than a physical check, since it can’t be lost or stolen; it arrives in your account more quickly than a physical check would arrive via mail; and, you don’t have to spend time depositing your physical check.

          If you’re interested in setting up direct deposit to an Old National account, we have direct deposit instructions.

        5. What is an emergency fund?

          An emergency fund, also known as a rainy day fund, is a savings account where you set aside money for an unexpected event. For example, you might dip into your emergency fund for an unexpected medical bill, a sudden need for car repair, or a job loss. Your emergency fund should not be used for day-to-day expenses, vacations, or other big non-emergency purchases.

          The idea is that by having dedicated savings for the unexpected, you’ve created a buffer, should disaster strike. You’ll have funds to cover an emergency and not be as financially impacted as you would be if you were unprepared. This allows you to avoid debt and continue to pursue your other financial goals in the face of an emergency.

          Experts recommend you keep anywhere from 6 months to a year’s worth of expenses in your dedicated emergency fund. You should also make sure your emergency fund is in an interest-bearing account. At Old National, we offer a variety of savings options.

        6. How can I change my Digital Banking password?

          If you’d like to change your Digital Banking password, sign in to your Digital Banking account and in a web browser, click My Settings or the mobile app, tap More, then Settings, then My Settings. Click Edit for Password. You’ll be asked to enter your current password, then your new password. You’ll need to enter your new password a second time as well to confirm. Click Save to update your password. 

          If you need to change your password because you’ve forgotten it, for a web browser, go to the home page. In the blue Login box on the upper right side of the page, click on Forgot User ID or Password. In the Mobile App, tap Forgot Login. You will be asked to provide information to receive a temporary new password. 

          If, after trying the above, you are not able to reset your password, please call Client Care at 1-800-731-2265, Option 3, for login assistance. 

          Please note, that when requesting or resetting your User ID or Password, you will be asked to enter your email or phone number. For security purposes, the email or phone number you enter must match the email or phone number you have provided for your account. Also, if you reset your password you'll need to re-enable your biometrics. Within the Mobile App, navigate to More to access the settings and update your biometrics feature.

        7. Where do I send Text Banking commands?

          Text Banking commands should be sent to 454545. You should add 454545 to your mobile contacts and save it under Text Banking. Also, Text Banking commands should only be sent via SMS or text messaging on your mobile device. They cannot be sent through Facebook Messenger, WhatsApp or other chat apps.

          Here is the information you can obtain by sending the following text commands:

          • BAL – Balance for primary account in Text Banking
            • Your text will include both the Current and Available balances.
          • BAL ALL – Balance on all accounts within Digital Banking
            • Your text will include only the Current balance which is the balance as of the end of the previous business day. It does not include transactions that are pending or on hold.
          • LAST – Last 5 transactions for primary account in Text Banking
          • TRANS (amount) ex. TRANS 200 – Transfer funds to primary account from secondary account in Text Banking
          • STOP – Deactivate service
          • HELP – Help keywords

          Visit our Text Banking page for more information.

          For assistance with Text Banking, please call Client Care at 1-800-731-2265.

        8. How do I change the address, phone number or email address on my account?

          To change your mailing address, Old National offers several options:

          To change your phone number or email address:

          Please note that changes can only be applied to the information for the person requesting the change. If there are additional people listed on the account, those individuals will need to request updates for their own information.

        9. Can my mortgage payment automatically be drafted from my checking or savings account?

          Yes, mortgage payments can be automatically drafted by signing up for our Autopay service or Flexible Payments (Biweekly Drafting) service within Mortgage Manager.

          With Autopay, your mortgage payment draft will occur on the specified date each month or the next business day if the specified day is a non-business day.

          With Flexible Payments, a borrower is allowed to make half-payments every two weeks and apply these payments as a full monthly payment once a month.

          The following information will help you in setting up automatic payments:

          While Mortgage Manager is the simplest way to set up automatic payments, you can also download and return the Mortgage Loan Auto Pay form. This form can be returned to a banking center, mailed to PO Box 3789, Evansville, IN 47736 or emailed to mortops@oldnational.com to set up automatic payments.

          If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Mortgage Servicing at 1-866-853-3277 or visit any Old National banking center.

        10. How do I change my personal information for my loan?

          To change your mailing address, Old National offers several options:

          • Within Online Banking, go to My Settings. Click on How do I update this next to your address. This will take you to the Online Banking email box for you to send us a message requesting the change.
          • You may visit any Old National banking center and provide an updated photo ID or utility bill that contains the new address.
          • Download a Personal Address Change Form

          To change your phone number or email address:

          Please note that changes can only be applied to the information for the person requesting the change. If there are additional people listed on the account, those individuals will need to request updates for their own information.