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1. What is an NSF fee, and why did I receive one?

   If there is not enough of an available balance in your account to cover a withdrawal or payment presented against your account, an overdraft will occur and fees may be assessed. These are called NSF fees or overdraft fees. You may also hear the term "insufficient funds" used.

   An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.

   For specific details regarding an overdraft, or to sign up for overdraft coverage, please visit any Old National banking center or call Client Care at 1-800-731-2265. 

2. What are "cookies" and how do they affect my Digital Banking?

   A "cookie" is a small text file created by a website that you visit, and it is then stored in your computer or phone browser, either temporarily for a single session only or permanently (until deleted). Cookies provide a way for the website to recognize you and keep track of your preferences.

   Cookies (or lack of them) can impact your use of Digital Banking in several different ways including the following:

   • If your browser is set to not accept cookies, or you clear your cookies, your device will no longer be recognized by your Digital Banking. In this case, you may be required to verify your identity by receiving a one-time passcode to the phone number or email address registered in your Digital Banking.

   • In some cases, a cookie in your browser can pull up an old page on a website and prevent you from seeing an updated one. In this case you would need to clear cookies in your browser settings to see the new page.

   Instructions for clearing or accepting cookies varies by device and browser. If you need assistance with either, please contact Client Care at 1-800-731-2265, and we would be happy to assist you.

3. How do I download and install the Old National Mobile Banking App?

   To find and download the Mobile App, just follow these steps.

   • Depending on your device type, visit the App Store, Google Play or the Amazon Appstore.
   • The above links should take you to the Mobile App. If not, search for Old National Mobile.
   • Download the Mobile App to your phone or other device.
   • Once downloaded, log in using your Digital Banking User ID and Password.
   • You will be prompted to verify your identity using the phone number already registered in your Digital Banking.

   You can also follow our brief tutorials:

   For the App Store:

   
   For Google Play:

   
   
   

   Learn more about the Mobile Banking App.

   With the Mobile App, you can do the following and more:

   • Check balances
   • Transfer funds
   • Pay bills
   • Locate branches and ATMs
   • Deposit checks
   • Enroll in and view eStatements
   • Access our Money Management personal financial management tool
   • Access Mortgage Manager

   There is no charge for use of the Mobile App.

   If you need assistance with downloading the Mobile App, please call Client Care at 1-800-731-2265.

4. What is the difference between available balance and current balance on my account?

   Your Current Balance shows the amount of money in your account at the end of the previous day (after deposits, withdrawals, and ATM and debit card transactions). This includes only transactions that have cleared.

   Your Available Balance is your Current Balance minus any holds, uncollected deposits and transactions received but not yet processed by Old National, which may include certain ATM or debit card transactions. It also does not include checks you have written but have not been presented by the recipients.

   Please refer to our Deposit Account Agreement and Disclosure for more information about the timing and order of transactions we use to calculate your account balance at the end of each day.

   If you have questions, please call Client Care at 1-800-731-2265 or visit any Old National banking center.

5. How can I cancel my electronic mortgage statement and receive a paper one by mail?

   You have two options for cancelling electronic mortgage statements.

   First, you can de-activate electronic mortgage statements within Mortgage Manager. Just follow these steps:

   1. Log into Old National Online Banking with your usual User ID and Password
   2. From the summary of accounts, select your Mortgage Loan
   3. This will take you to your Old National Mortgage Loan detail page
   4. Hover over Statements and Documents and select Electronic Mortgage Statements
   5. Select Change Delivery Preferences
   6. Then select Paper Mortgage Statements
   7. Finally, select Save

   Your other option is to call or e-mail Mortgage Servicing at 1-812-468-1800 or mortops@oldnational.com to request the change.

   If you change your mind at any time and would like to resume receiving electronic statements, you can re-activate this service in Mortgage Manager or call us.

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