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1. Can I use ATMs that are not Old National or Allpoint ATMs?

   Yes. Your Old National ATM/debit card will work at all ATMs. However, doing so may result in several fees.

   Surcharge fees
   Out of network ATMs (ones that are neither Old National nor Allpoint) may assess you a surcharge fee. An ATM surcharge fee is the fee an owner of an ATM charges cardholders from other financial institutions who use their machine. In other words, if you have an Old National debit card and use it at another bank's ATM, that bank may assess a surcharge.

   Foreign fees
   For most types of checking accounts, Old National will charge a $2.50 "foreign" ATM fee (on top of any ATM owner surcharge) if you use a non-Old National Bank or non-Allpoint ATM. 

   To ensure fee-free ATM usage, we recommend always using an Old National or Allpoint ATM when possible. To find an Old National or Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find both Old National and Allpoint ATMs.

2. What if I used my debit card at a business or merchant that was breached?

   What you need to know:
   Unfortunately, merchant breaches happen from time to time but you can feel confident that Old National is protecting the security of your accounts. Old National monitors for unauthorized and suspicious activity.

   Things you can do to help guard against unauthorized use of your debit card:

   • When using your debit card, choose “CREDIT” to receive the benefit of Mastercard^® Zero Liability protection which guarantees 100% protection if your card is lost or stolen so you will never pay for unauthorized purchases

   What you need to do:
   Monitor your account for fraudulent activity and report anything suspicious.

3. Where can I find the phone number or email to contact a branch manager?

   Banking center manager names and emails can be found on each banking center's page. The page will also provide the banking center phone number.

   To find your local banking center's page, go to our locator. In the Search box, enter the branch address (as much as you know), city and state. In the list of banking centers on the right, click on the banking center you are looking for.

   This will take you to that banking center's dedicated page. On the left of that page, you will see the banking center manager's name and a link to send an email.

4. How can I get a replacement for a broken or damaged debit card?

   To order a replacement for a damaged debit card, call Client Care at 1-800-731-2265 or visit any banking center.

   The normal timeframe for delivery is 7-10 business days. To receive a card sooner, you can instead choose to pay a $35 fee and receive the replacement card in two business days. The card must be ordered by 4pm on any business day for it to be delivered in two business days.

   A Lost or Stolen Debit Card
   If instead of a damaged debit card you need help with a lost or stolen card, please call us at 1-800-731-2265, option 2, in the US. You can report a lost or stolen card 24-hours a day. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your card, check for unauthorized transactions and order a new card for you.

5. How do I place a stop payment on a check or pre-authorized payment?

   Please be aware that a stop payment fee of $38 per item applies. You can submit a stop payment request in one of several ways:

   • For checks, log in to Online Banking. Go to Additional Services and choose Stop Payment. Follow the on-screen instructions. You can also place a stop payment for a check within our Mobile App.
   • For checks and electronic transactions, visit any Old National banking center or call Client Care at 1-800-731-2265.
   • When requesting a stop payment, you will need to provide the date, the amount, and the number of the item, together with the name of the payee.
   • Once a stop payment is placed, and the form has been signed (when applicable), stop payment orders remain effective for up to six (6) months from the date authorized.
   • Please note, that even though a stop payment request goes into effect immediately, you may still see the transaction attempting to clear your account within Online Banking. If this happens, rest assured that the transaction will be returned during our nightly processing of accounts.
6. 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.

7. Can I make a payment on my mortgage loan using a credit or debit card?

   At this time, borrowers cannot use a credit or debit card to make a payment on their Old National mortgage loan. Payments can only be accepted from a checking or savings account.

   See our related FAQ: How can I make a payment on my Old National mortgage loan?

8. What do I do if I am concerned my computer or mobile device has been compromised?

   Contact an Information Security professional for help and discontinue use of the current device until you are certain it is safe. Access a different device to change your passwords; if you do not have access to a different device, please call Old National Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm CT or Saturday, 7am to noon CT. You should also monitor account activity and report anything suspicious.

9. Do I need to inform Old National of damage to my home or vehicle?

   Yes! If you have damage to property that is financed through Old National, we need to be an active part of your insurance claim process. Your loan with us is based on your home, vehicle or other property value, so we want to ensure it is repaired and the value maintained.

   The process for reporting property damage differs based on the type of property, so we have developed the guides below to assist you:

   Home mortgages

   • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including where to report damage to your home.
   • Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

   Consumer loans
   For consumer loans, such as a vehicle or boat, quick home refi, home equity loans, including second mortgages, please use our Guide to Insurance Claims for Consumer Loans.

   Commercial loans
   For commercial or business property, contact your Old National Bank commercial lender for guidance.

10. If my business uses ONPointe Treasury or ONPointe Essentials, whom do I contact for support?
    Contact Treasury Management Support at 1-800-844-1720 for assistance with ONPointe login, information reporting, ACH and wire transfer origination, positive pay and general questions.