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1. How can I send a wire transfer for my business?

   To learn more about your options for sending domestic and international wires, including wire transfer fees, visit our Business Wire Transfers page. 
   
   Here you can also find information about ONPointe, our Treasury Management solution that enables clients to initiate secure wire transfers from their own computers.
   
   If your company regularly sends international wires, you may also want to talk with our Foreign Exchange (FX) Department directly at 1-800-704-3084. Along with helping clients make and receive payments in foreign exchange, the Old National FX Department can assist with ways to mitigate exchange rate risk.

2. Can I make a deposit at an Allpoint ATM?

   No. Allpoint ATMs can be used for withdrawals, transfers and balance inquiries only. 

   Old National does have many ATMs that will accept deposits, and we continue to add more. To find an ATM that accepts deposits, follow these steps:

   • Go to the oldnational.com locator
   • Next to the locator map, select the ATMs filter and unselect the Allpoint Surcharge-Free ATM filter. Our Partner ATMs, which are part of the Allpoint network, do not accept deposits.
   • Type your zip code or city/state into the Search bar to find the nearest ATMs

   Deposits made at an ATM are available for withdrawal based upon our typical funds availability policy. This means they may not be available for immediate withdrawal and use.
   
   To make a deposit, you can also use Mobile Deposit or visit an Old National banking center.

   If you have questions about making deposits at an ATM, please contact Client Care at 1-800-731-2265. 

3. How do I apply for a mortgage loan?

   You can apply for an Old National mortgage loan in several ways:

   Apply through our website

   1. Visit the Mortgage Loan Options page.
   2. If you prefer, you can also designate the mortgage lender you prefer to work with. In that case, go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of the mortgage loan officer you prefer to work with, select Apply Online.

   Call us
   You can also contact a mortgage loan officer directly to schedule an appointment. Go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of each mortgage loan officer, you will find a direct phone number.

4. What is a pre-authorization hold on my debit card?

   When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

   For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

   Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

   Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

   If you have questions, call Client Care at 1-800-731-2265.

5. What is the difference between a debit and credit card?

   While both a debit card and credit card can be used to make purchases at stores or online, how they work is quite different.

   A debit card is tied to your bank account. When you use it to make purchases, money is withdrawn directly from your account. If you have no money in your account, the purchase won’t (or shouldn’t) go through.

   A credit card is a revolving line of credit, or a loan. When you use it to make purchases, the credit card company funds the purchase upfront. You can continue spending up to your credit limit without paying immediately. At the end of your billing cycle, your credit card company sends you a bill for the amount you owe. You then have the option of paying the minimum amount due (and paying interest on the remainder), paying your balance in full (and not being charged interest) or paying somewhere in between. As long as your account is in good standing, you can continue to spend up to your credit limit.

   Each type of card has benefits and drawbacks. A debit card is a safe option. It prevents you from falling into debt, since it won’t function if you don’t have any money in your account. However, should you need to spend a little extra, you won’t be able to.

   A credit card, on the other hand, gives you access to additional funds and it gives you the opportunity to build your credit, provided you pay your bill in a timely fashion. The potential risk is that you may end up paying high interest on the balance you don’t pay off, and, if you don’t make your regular payments, you may see your credit score drop.

   At Old National, we offer our clients both debit cards and credit cards.

6. When using an Allpoint ATM, why did I receive a message screen saying I would be assessed a surcharge fee?

   First, if you receive such a message and are an Old National client, be assured that you will not actually receive a surcharge. Due to technical limitations of certain types of ATMs, Allpoint is currently not able to prevent the “surcharge warning message” screen from appearing in some cases. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e. the withdrawal amount on your receipt will show $20, $40, $60 as opposed to $23.50, $43.50, $63.50, etc. shown when you pay a surcharge).

   If you believe you received a surcharge in error, please contact Old National Client Care at 1-800-731-2265.

7. How do I transfer funds in Digital Banking?

   Digital Banking

   To transfer funds between your Old National deposit accounts: Choose Move Money and Make a Transfer. This will enable you to transfer funds between Old National accounts only. You can choose your accounts, select today's date and complete the transfer at that time. You can also select a future date or setup recurring transfers. 
   
   To transfer funds to your account at another financial institution: Choose Move Money and then External Funds Transfers. Please note that when adding a new account at another financial institution, the account will need to be verified, meaning you may not be able to transfer immediately. 
   
   To transfer funds from an Old National checking/savings account to pay on an Old National loan: For personal loans other than mortgage loans, choose Move Money and Make a Transfer. Mortgage loan payments can be made through Mortgage Manager within Online Banking. (Visit our resource page for Mortgage Manager.) 
   
   To send money or receive money from another person:
   You can send, request or receive money with Zelle^®.

   To get started, log in to Old National’s Online and navigate to Move Money tab. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle^®.

   To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.

   To request money using Zelle^®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.
   
   To transfer funds from an account at another financial institution to pay an Old National Loan: Choose Move Money, then Loan Payment. You will be asked to add an account or you can choose Make Payment for established accounts. Please note that when adding a new account at another financial institution, the account will need to be verified, meaning you will not be able to transfer immediately. 

   Mobile App 

   To transfer funds between your Old National deposit accounts: Tap Transfers from the bottom of the screen. Select the To and From accounts and the amount to transfer. Mobile app transfers are effective the same day as long as it is done before the cut-off. 
   
   To transfer funds from an Old National checking/savings account to pay on an Old National loan: For personal loans other than mortgage loans, tap Transfers at the bottom of the screen. Select the T and From accounts and the amount to transfer. Transfers through the mobile app are effective the same day as long as it is done before the cut-off.
   
   Mortgage loan payments can be made through Mortgage Manager. 
   Tap Payment Center, then Manage & Pay Mortgage. Tap Pay to access Mortgage Manager. You can also setup automatic payments for your mortgage loan in Mortgage Manager. 
   
   To send money to another person:
   You can send, request or receive money with Zelle^®.

   To get started, log in to Old National’s Mobile App and navigate to Send Money With Zelle^®. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle^®.

   To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.

   To request money using Zelle^®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.
   
   To transfer funds from an account at another financial institution to pay an Old National Loan: Tap Payment Center, then Pay Loan. You will be asked to add an account or you can Make Payment with established accounts. 
   
   Please note that when adding a new account at another financial institution, the account will need to be verified, meaning you will not be able to transfer immediately. If you need assistance with transferring funds, please contact Client Care at 1-800-731-2265.

8. How do I add a payee in Online Bill Pay?

   From a Web Browser

   • Log in to your Digital Banking account and choose Bill Pay in the top menu. 
   • To add a new payee, type the name of the payee in the “Need to pay someone new?” entry box near the top middle of the main payments page. 
   • As you type, what you are typing is matched to a known payee. 
   • If you see your payee in the drop down list, click the name and then click the Add button. Enter and confirm the account number and add an optional nickname. 
   • Select Add Payee.

   If you do not see the name in the drop down, don't worry, just complete typing the name of your payee and click the Add button. You will then be asked for some information about your payee:  

   • Account Number – This is your account number with the payee. Enter the account number as it appears on your bill. When making a payment to a person and not a business, you may not have an account number to provide. If this is the case, leave the account number field blank. 
   • Nickname - This field is optional, but if you have a different way to identify the payee besides the payee name, enter it here.
   • Payee Address – This is the address to which you send your payment. 
   • Payee Phone Number – Enter the phone number your biller provides for questions about your bill. If you are adding a company, look for a customer service phone number on your bill, statement, or invoice. If you are adding a person, use the person's work, home, or mobile number. 
   • Zip code – Enter the payee's zip code to which you send your payment. 

   When your payee is added, it will display at the top of your payee list on the main payments page. The next time you come back to the screen, your payees will display in alphabetical order. Bill Pay has its own FAQ in Digital Banking as well. You can find it on the Bill Pay screen in the lower right corner under I want to . . . 

   Mobile App

   • Open the Mobile App, tap Payment Center, then Bill Pay.
   • Select Payees at the top right of the screen
   • In the Add a person or business field begin adding information for those you want to pay. The app will guide you through entering any additional information needed. 

   If you need assistance with enrolling in Bill Pay, please contact Client Care at  1-800-731-2265.

9. How can I send a wire transfer?

   To send money to both personal and business accounts in the US and internationally, visit your nearest Old National Banking Center.

   To learn more about domestic and international wires, including wire transfer fees, visit our Business Wire Transfers page or our Personal Wire Transfers page.

10. How do you write a check?

    To write your check, fill out the fields carefully and sign at bottom right. We’ve included a properly filled out check below, as an example.
    
    

    A few notes:

    • The date at the upper right can be any standard format that includes the day, month and year.
    • Write the full name of the person, business entity, or organization who is receiving the check in the “Pay to the Order of” field.
    • The box at the right is for a numerical representation of the amount you’d like to pay the recipient.
    • The line with “dollars” at the end is where you write out the amount you’d like to pay the recipient in words; write the cents as a fraction XX/100; if there’s extra space, draw a line until “dollars” so that no one can adjust the amount you wrote.
    • The lower left field is for personal notes; this is optional. Some people like to write what the check is for, so they can remember when reviewing their records; If you’re paying a specific bill, you may be asked to write your invoice number or other identifying information you have on record with the company you’re paying.
    • Sign the check at lower right with the signature that you use for all important documents.
    • If you make a mistake on your check, you can cross it out and put your initials next to it and then write what you meant to write.