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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. Where can I find mortgage loan payoff information?

      For the correct amount to pay off a mortgage loan, please do one of the following:

      A loan's payoff information is not available within Online or Mobile Banking. The remaining balance shown on a loan within Online and Mobile Banking may not reflect all interest, fees, payments, etc. To obtain the correct amount to pay off a loan, it is best to call us or visit a banking center.

      Please note that loan payoff amounts over $3,500 must be paid in a banking center and cannot be accepted over the phone.

      Amounts under $3,500 can be accepted by phone as an electronic check (eCheck) only, and not by credit card or debit card. There is also a fee associated with loan payments made by phone. You will need to have your routing number and account number to pay by eCheck.

    3. Do you offer referral bonuses?

      Yes, through our ReferLive program, clients can earn up to $500 per calendar year when they refer friends and family for a new eligible Old National checking account. Visit the ReferLive registration page to enroll and begin making referrals.

      Requirements
      Both the referrer and the new account holder receive a $50 Visa® Reward Card once the person referred completes the following requirements within 75 days of account opening:

      • Completes ten (10) debit card transactions (ATM withdrawals excluded) AND
      • Has one (1) or more direct deposits totaling at least $500

      Note that this offer is not available to any friend or family member who already has an Old National checking account, or is a joint owner for an existing checking account.

      Receiving your Reward Card
      Your Reward Card will be mailed to you. Please allow 4-6 weeks for delivery after all offer requirements are completed.

      Other ways to register
      In addition to using the online registration form, you can also enroll to begin making referrals in the following ways:

    4. How do I enroll in Digital Banking?

      In a Banking Center
      Associates in our banking centers can enroll you in Digital Banking with immediate access, whether you already have an Old National account or open one that same day. You can then access your Digital Banking account via a web browser, your smartphone, or you can download our Mobile App for the best banking experience on your phone.

      Opening a Checking Account Online
      If you open a new Old National account online, you can enroll in digital banking immediately.  

      Steps for Online Enrollment of Digital Banking
      There are several options for enrolling online:

      1. From a web browser, go directly to the enrollment page or
      2. Go to the blue box located at the top of our oldnational.com home page, click the Login button and select Enroll in Digital Banking or
      3. Download our Mobile App and tap Sign up.

      Once on the enrollment page:

      1. Enter your desired Online Banking User ID and Password.
      2. Enter your personal information.
      3. Enter your Account Type and Account Number. 
      4. Once all requested information is entered, read and accept the Terms & Conditions, select the box and click Complete Sign Up.

      If the information matches, then you will be directed to the login.

      If the information does not match, you will receive a Pending or Declined message. For Pending applications, you should receive an email within 1 business day advising the status of your registration.

      If you’re a business client, please visit a banking center or call 1-800-731-2265 for assistance with enrollment.

    5. How do I set up and use Card Controls?

      Card Controls enable you to monitor debit card activity, receive alerts for certain types of
      transactions and turn your card off/on in the event that it is lost or stolen.

      On a Web Browser

      To set up Card Controls through a web browser, log in to your Digital Banking account on oldnational.com. Select Additional Services at the top of the screen and then Card Controls.

      You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

      Setting Card Controls to "ON" or "OFF" 

      • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
      • Setting the debit card status to “OFF” suspends all activity on the card. The status must be set to “ON” to use the card.
      • A debit card must be in “Active” status to add Declines and Alerts.

      Setting debit card Alerts

      • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
      • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
      • To set up an Alert for a specific Transaction Type only, choose that transaction type. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
      • When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.

      Declining debit card transactions

      • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
      • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline. Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
      • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked.

      Setting Spend Limits

      • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
      • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
      • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
      • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

      A note about Email vs. Text Alerts
      Card Control Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

      Mobile App

      Tap on the more button, under Payment Center tap Debit Card Controls

      You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to ON the first time you view them. Suspended cards which are not available for Card Controls are displayed as OFF.

      Setting Card Controls to ON or OFF 

      • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
      • Setting the debit card status to OFF suspends all activity on the card. The status must be set to ON to use the card.
      • A debit card must be in Active status to add Declines and Alerts. 

      Setting debit card Alerts 

      • Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
      • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
      • To set up an Alert for a specific Transaction Type only, choose that transaction type.
      • Set the Send Alerts option to ON.
      • When an Alert is turned on, you will see a blue bell next to it. When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert. 

      Declining debit card transactions 

      • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
      • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline.
      • Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
      • When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked. 

      Setting Spend Limits 
      When Spend Limits are set on your debit card, transactions made over a certain amount will be declined.

      • To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
      • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
      • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT.
      • Enter the minimum dollar amount for which you want to receive an Alert.
      • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100. 

      A note about Email vs. Text Alerts 

      • Card Control Alerts are emailed to the email address listed in Digital Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too.
      • There is not a way to turn off the email alerts.
      • You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.