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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. Direct Deposit
   Set up Direct Deposit for a faster, easier, and safer way to get your paycheck or monthly benefit check. Do it in 3 easy steps!
3. Looking To Create Great Company Culture? Studies Show To Start With Your Office Space
   When it comes to growing and running a successful business, customer-facing aspects are widely-discussed in the business world – whether that’s how to optimize prospect targeting, enhance your product suite or facilitate a flawless customer experience. While customers are the economic drivers who keep your business afl
4. 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.

5. My loan contract matures after June 30, 2023. What happens if I choose not to do anything to amend my contract to incorporate a new benchmark before that time?

   As mentioned above, on June 30, 2023, LIBOR will cease to exist as a reference rate in all financial contracts. This means that all existing loans referencing LIBOR will automatically convert or “fallback” to a new, replacement benchmark. Old National will be following industry standards, including guidance provided by the US Adjustable Interest Rate (LIBOR) Act, which has identified the process as well as “fallback” index to be utilized. Old National will notify you of the new replacement benchmark selected for your loan.

6. Smishing Attempts Are on the Uptick
   Smishing Attempts are on the rise. Like many financial institutions, Old National has recently seen an increase in “smishing” fraud
7. I had damage to my house and received a check from the insurance company with Old National’s name on it. How do I cash or deposit it?

   If you have your mortgage with Old National and a homeowners insurance claim, we will be an active part of your claim process. Your loan with us is based on your home’s value, so we want to ensure your property is repaired and the value is maintained.

   We have developed a Guide to Homeowners Insurance Claims that will give you an overview of the claim process and the necessary forms you will need along the way.

   Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

   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. 

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

8. How do I set up automatic payments for my Old National loan?

   For mortgage loans:

   • You can set up automatic payments using Mortgage Manager within Online Banking. Visit our Mortgage Manager resource page for information on using Mortgage Manager. The following guides will walk you through setting up automatic payments:
     • Enroll in Autopay - How to Enroll in Autopay guide
   • As another option, you can download and return the Mortgage Loan Auto Pay form to set up automatic payments. This form can be returned to a banking center, mailed to PO Box 3789, Evansville, IN 47736 or emailed to mortops@oldnational.com.

   For all other personal loans, such as auto loans:

   • Download and return the Consumer Loan Auto Pay form to set up automatic payments. This form can be returned to a banking center or mailed to PO Box 3728, Evansville, IN 47736.
   • You can also set up a repeat transfer of funds within Online Banking to make a regular payment on your Old National loan. Within Online Banking, go to Move Money and in the drop down select Make a Transfer to set up a repeat transfer from an Old National account. Select Loan Payment (under Move Money) to set up a repeat transfer from an account outside of Old National.

   If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Client Care at 1-800-731-2265 or visit any Old National banking center.

9. 401(k) vs. IRA: Which One Is Right for You?
   There are dozens of factors to consider as you're planning for retirement. How much should you be saving? What age should you retire?
10. How do I order small business checks?

    There are several ways to order checks for your business:

    • Order directly from our check order company, Harland Clarke, by calling them at 1-800-355-8123 or visiting www.OrderMyChecks.com. Once on the OrderMyChecks.com site, select Business next to account type. Be sure to have your routing and account number on hand. Note that Harland Clarke cannot update your address. If your address has changed, you must submit it through Old National before ordering checks.
    • Log into Business Online Banking. Go to Additional Services and then select Check Reorder.
    • You can also visit any Old National banking center or call Client Care at 1-800-731-2265 and an associate can assist you with a check order.

    If you are a former KleinBank client, you are welcome to continue using your KleinBank checks until you run out; they will be accepted for at least two years.