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Are Card Controls secure?
Card Controls is a feature within our Online Banking and Mobile Banking platforms. We regularly test, update and validate our security model to ensure we maintain a banking grade level of security.
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What transactions can I complete at a drive-thru window?
Most of your banking transactions can be completed through our drive-thru windows, including:
- Check deposits
- Standard withdrawals
- Bill payments
- Transfers
- Loan payments
Our Convenient Ways to Bank guide provides a list of the transactions you can complete in the drive-thru, as well as through other Old National channels.
Use our locator to find your banking center and their direct phone number.
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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. -
Why can't I see Mortgage Manager in my Online Banking?
If you have an Old National Mortgage, and don't see Mortgage Manager in Online Banking, you may need to adjust your browser settings. You can find browser troubleshooting guides in our Mortgage Manager Resource Center.
If, after adjusting your settings, you are still unable to see Mortgage Manager, please contact Mortgage Servicing at 1-866-853-3277.
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What is meant by multi-factor authentication?
Multi-factor authentication is a security method that verifies your identity from more than one source. If our Digital Banking does not recognize the device you are using to log in, we use multi-factor authentication to verify your identity for the security of your account.
You will receive a verification code by the method you select (phone call, text message or email), that you must then enter to confirm your identity and access Digital Banking. If you choose Yes, register my private device, you will not be required to complete this verification process each time.
There are several common reasons that you may be asked to verify your identity, 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
If you have questions about verification, please call Old National Client Care at 1-800-731-2265.
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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.
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What is a line of credit loan?
A line of credit loan is a flexible loan that allows you to borrow what you need, as you need it, up to a set credit limit. As long as you follow your repayment terms, the loan remains open and you can borrow again. The most common example is a credit card, where you can continue to use it month after month, provided your account is in good standing. Other examples include Home Equity Lines of Credit (HELOCs) and revolving lines of credit for businesses.
The contrasting loan type is a fixed loan, where you’re given a set amount of funds upfront, with the expectation that you repay the loan amount with interest over a set period of time. Once you’ve paid off the loan, there’s no opportunity to borrow again; you’d need to reapply for another loan. Common examples include mortgages, car loans and personal loans.
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What is the difference between a Money Market vs. CD?
While both are savings accounts that offer the opportunity to earn interest on your deposit, they have important differences. A money market account typically has a variable interest rate, while allowing you to write checks and have regular access to your money. A certificate of deposit, or CD, typically has a fixed rate for a guaranteed term, provided you don’t make any withdrawals of your money during the term—typically, there is a penalty for an early withdrawal of deposited funds.
For a more in-depth look at the differences, check out our side-by-side Money Market vs CD comparison.
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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.
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What is Money Management within Digital Banking?
Money Management is a robust tool within Digital Banking that enables you to have an overall picture and greater control over your finances.
- View all of your accounts, including those with other financial institutions, in one convenient location.
- Categorize your spending.
- Set goals and use budget alerts.
- See a history of spending and prediction of future spending.
And much more!
Money Management is also on the Mobile App, so you have complete control of your financial life wherever you are!
To learn more, view our Money Management demo and resource guides.