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1. Empowerment Loan Program
   This program offers access to capital for small businesses that may not qualify for credit under traditional underwriting guidelines.
2. How can I make a payment on my credit card?

   You can make a payment on your Old National Credit Card online, by mail or over the phone.

   Pay online
   Please access the Online Account Center for credit cards. You will first need to enroll.

   With online account access for your credit card, you can also do the following:

   • Transfer balances
   • Request Credit Limit Increases
   • View Statements
   • And much more

   By phone
   To make a Credit Card payment by phone, please call Cardmember Service at 1-800-558-3424.

   By mail
   Credit card payments can be sent to:

   Cardmember Service
   P.O. Box 790408
   St. Louis, MO 63179-0408

3. 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.

4. How can I get a copy of a check in Digital Banking?

   Once a check you have written to make payment has cleared on your Old National checking account, you will automatically have an image of it within your Digital Banking transaction history.

   On a web browser

   • Sign in to Digital Banking, go to My Accounts and select the checking account the check was written on. Here you can narrow your search for the image of the check.
   • Under Account History, set the date range when the check cleared your account.
   • Next, under "Narrow by items containing," enter keywords to help you find a specific check. You can search by check payee, check number or check amount. You can also simply search by the word "check" to pull up all checks within your designated time frame.

   Once you have located the check image you are searching for, you can select it to open an image of the front and back of the check. Above the check, to the right, is a printer icon you can use to print a copy of the check.

   Mobile App

   • Within the Mobile App, go to Accounts and select the checking account the check was written on.
   • At the very top of the screen, you will see a Search box with the words Search transactions. Here you can enter the check number (if you know it). You can also simply enter the word "check," to pull up all checks that have cleared your account.
   • When searching for a check image within your Mobile App, you will not have the option to search by date range or as far back as you can within Digital Banking.
   • Once you find the check you are searching for in the Mobile App, tap it to open an image of the front of the check only.
   • From here, you can view or take a screenshot of the check image.

   If you have trouble locating your check image within Digital Banking, please contact Client Care at 1-800-731-2265.

5. 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:

   • Enroll in Autopay - How to Enroll in Autopay guide
   • Set up Flexible Payments - To learn more on how to enroll contact Mortgage Servicing at 1-866-853-3277.

   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.

6. What is the meaning of ACH transactions or transfers?

   ACH stands for Automated Clearing House. These transactions are made through a nationwide electronic network that facilitates the transfer of funds between U.S. financial institutions. You can either receive an ACH credit to your account or have an ACH debit taken from your account.

   While this may seem complicated, you could already have experience with ACH transfers. For example, if you’ve ever set up direct deposit for your paycheck, you’ve been paid via ACH transfer, also known as receiving an ACH credit.

   If you’ve ever paid a bill by providing your bank account and routing number, you’ve made a payment via ACH transfer, also known as having an ACH debit taken from your account.

   The benefit of ACH transfers is their speed and reliability compared to paper checks. If you’d like to use your Old National account for ACH debits or credits, our routing number is 086300012.

7. 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:

   • Within Online Banking, go to My Settings and click Edit next to either your phone number or email address to update this information.
   • You may also visit any Old National banking center or call Client Care at 1-800-731-2265.

   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.
   

8. What do I do if I received an unsolicited or suspicious email claiming to be from Old National?

   If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

   Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:

   • Awkward greeting or salutation
   • Typos
   • Incorrect grammar
   • Strange or unfamiliar links
   • Compelling or urgent language
   • Misspelled company name

   You are your first line of defense:

   • Stop before you click on links or attachments
   • Call the company using a phone number you know to be valid to confirm they sent the email
   • Don't reply
9. What is a secured credit card?

   A secured credit card is a special type of credit card that allows users with no credit (or poor credit) to build (or repair) their credit score.

   It works like this: The cardholder puts down a cash deposit as collateral to “secure” the card. The amount of cash put down is typically the cardholder’s credit limit. The cardholder then uses the card normally and their activity is reported to credit agencies, as it would be for any credit card.  

   As a result, the cardholder has the opportunity to build (or repair) their credit by making regular, on-time payments, among other things.

   At Old National Bank, we offer two secured credit card options.

10. Business Credit Cards
    Old National Bank provides four different credit card options depending on your business needs. Apply online today!