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1. Does Old National offer overdraft coverage for checking accounts?

   In an effort to help you avoid returned checks or declined transactions, we provide protection services called Overdraft Courtesy and Overdraft Protection. These two services can also be used together for extra protection. Learn more about our Overdraft Solutions.

   Overdraft Courtesy
   Most Old National checking accounts come with Overdraft Courtesy. With Overdraft Courtesy, even if you don’t have enough available money in your checking account, we may still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as utility bills). Overdraft Courtesy does not cost anything unless you use it. If your account becomes overdrawn by more than $25, we will charge you a $36 fee for each overdraft item, up to 2 per day. You are responsible for paying the amount of any overdraft on your account immediately. If your account is overdrawn 7 or more consecutive business days, we will charge a $7 Daily Overdraft fee each business day the account is overdrawn by more than $25 (beginning on day 7), for up to 5 business days.

   Overdraft Protection
   Overdraft protection allows you to link your account to another Old National account. If you accidentally overdraft, we will draw the funds from your linked account. There is no annual fee for the Overdraft Protection service, and you can link to other Old National checking, savings, or money market accounts or a line of credit. The transfer amount will be the exact amount needed to cover the total overdraft amount at the end of each business day, provided your linked account has a sufficient available balance. If sufficient funds are not available in your linked account, we will transfer what is available. Any items not covered by the funds in your linked account will be paid or returned at the Bank’s discretion and applicable overdraft and other account fees may be charged.

   For business analysis accounts, an Overdraft Protection Transfer Fee of $5 is charged for each transfer from your linked account.

   To sign up for Overdraft Protection, or for more information about either service, please visit any Old National Banking or call Client Care at 1-800-731-2265.

2. When will I receive year-end tax information from Old National?

   We will mail tax information to the mailing address you have on file with us. Old National does not currently provide access to tax documents online.

   You can also view year-end tax information for your mortgage within Mortgage Manager.

   Please be aware that the the USPS announced they are experiencing processing and delivery delays nationwide due to higher-than-normal volumes and COVID-19 impacts.

   If you have not received your tax documents in a reasonable time period, or you have misplaced them, you can contact Client Care at 1-800-731-2265, Option 4, or visit any Old National banking center to request a copy. Please note that most banking center lobbies are currently open by appointment only due to COVID-19. You can make an appointment through our website locator.

3. What if I notice unauthorized debit card transactions?

   If you notice unauthorized debit card activity on your statement or through Online and Mobile Banking, you can turn your debit card off right away using our Card Controls. Card Controls is a feature you can access at any time in Online Banking or the Mobile App.

   You should also contact us at 1-800-731-2265 to report the unauthorized activity on your debit card. We can then cancel or restrict your card, check for other unauthorized transactions and order a new card for you.

   If your debit card has been lost or stolen, you can report it 24-hours a day by calling 1-800-731-2265, option 2, in the US. If you are outside of the US, call 1-812-422-2197.

4. Someone sent me money with Zelle, how do I receive it?

   If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.¹

   If you have not yet enrolled with Zelle^®, follow these steps:

   1. Click on the link provided in the payment notification you received via email or text message.
   2. Select Old National.
   3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

   ¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®.
   

5. What types of payments can I make with Zelle®?

   Zelle^® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

   Since money is sent directly from your bank account to another person's bank account within minutes,² Zelle^® should only be used to send money to friends, family and others you trust.

   Neither Old National nor Zelle^® offers a protection program for any authorized payments made with Zelle^® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

   ¹ Must have a bank account in the U.S. to use Zelle^®.
   ² Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®.

6. What if I get an error message when I try to enroll an email address or U.S. mobile number in Zelle®?

   Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call the Old National Client Care team at 1-800-731-2265 and ask them to move your email address or U.S. mobile phone number to Old National so you can use it for Zelle^®.

   Once Client Care moves your email address or U.S. mobile phone number, it will be connected to your Old National bank account so you can start sending and receiving money with Zelle^® through Online or Mobile Banking.
   
   Please call Old National Client Care toll-free at 1-800-731-2265 for help.

7. What is a notice of error regarding the servicing of my loan?

   A notice of error is a written notice from you that details error(s) you believe have been made relating to the servicing of your loan. Your notice must include:

   • Your name
   • Your loan number and/or property address associated with the loan
   • Details about the specific error you are disputing and/or information you are requesting

   Only errors related to the servicing of your loan secured by your home are covered through this process (excluding open-ended lines of credit).

   Where to send a notice of error
   Please mail all notices of error to:
   
   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   We do not charge a fee for responding to notices of error.

8. What is a request for information as it relates to the servicing of my mortgage?

   A request for information applies generally to any written request from you for information about the servicing of your mortgage. When submitting a request for information, please make sure your request includes the following:

   • Your name
   • Your loan number and/or property address associated with the loan
   • Details about the specific type of information you are disputing and/or information you are requesting

   Where to send a request for information
   Please mail all requests for information to:
               
   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   We do not charge a fee for responding to requests for information.

9. Home Loans for ITIN Holders
   Old National Bank has a special mortgage program for people with Individual Taxpayer Identification Number (ITIN) status. Contact us to get started.
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