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1. What are Text Banking and Automated Alerts?

   Text Banking and Automated Alerts enable you to receive a variety of account-related notifications via your mobile phone. You can receive Automated Alerts by email as well.

   Here are the types of Automated Alerts available:

   • Balance update
   • Low balance
   • High balance
   • Large withdrawal
   • Large deposit
   • Check cleared (by check number)
   • Loan payment due
   • Loan payment overdue
   • Maturity date

   Automated alerts are sent throughout the day. In most cases, this means you will be notified about events such as low balances, large deposits or large withdrawals about 20-30 minutes after they happen.

   Information you can request from Text Banking:

   Here is the information you can obtain by sending the following text commands to 454545:

   • BAL – Balance for primary account in Text Banking
     • Your text will include both the Current and Available balances.
   • BAL ALL – Balance on all accounts within Digital Banking
     • Your text will include only the Current balance which is the balance as of the end of the previous business day. It does not include transactions that are pending or on hold.
   • LAST – Last 5 transactions for primary account in Text Banking
   • TRANS (amount) ex TRANS 200 – Transfer funds to primary account from secondary account in Text Banking
   • STOP – Deactivate service
   • HELP – Help keywords

   Information will be sent to the mobile phone number you designate when setting up Text Banking.

2. Is That Really Your Bank Calling?
   Is That Really Your Bank Calling? Learn to spot fake calls and protect yourselfEvery day, thousands of people fall victim to fraudulent emails, texts, and calls from scammers pretending to be from their bank. Banks of all sizes and their customers suffer monetary losses and face eroded trust in the institutions they re
3. Am I eligible for an SBA loan?

   SBA lenders and SBA loan programs have different eligibility requirements. However, there are some basic requirements:

   • Location: Your business must be physically located and operate in the U.S.
   • Business type: Your business must be for-profit and in an eligible industry.
   • Investment: You, as the business owner, must have invested time or money into the business.
   • Size: Only small businesses qualify. The definition of a "small business" is based on number of employees or average annual receipts. Size standards information can be found on the sba.gov website.
   • Loan application history: You must not be able to get more traditional financing at favorable terms.

   You should also be able to demonstrate your ability to repay the loan and have a sound business purpose and plan.

   To learn more about SBA loans at Old National, please visit our SBA Loans website page.

4. 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.

5. Why is LIBOR being discontinued?

   LIBOR was introduced in the 1980’s as a benchmark interest rate that was intended to reflect banks’ average cost of short-term, wholesale unsecured borrowing. Over time, and particularly during the financial crisis that began in 2007, banks became less and less reliant on inter-bank lending. As a result, the number and dollar volume of transactions from which LIBOR was derived declined dramatically. To make up for this shortfall, LIBOR panel banks resorted to using “expert judgment” when submitting various rates used in calculating LIBOR. This left it susceptible to manipulation and fraud.

   In 2017, the UK Financial Conduct Authority (FCA), the regulator for LIBOR, announced that after December 31, 2021, the panel banks would no longer be required to submit settings for LIBOR. (This has since been revised to June 30, 2023, for most LIBOR tenors.) This announcement effectively started the countdown to the end of LIBOR.

6. Private Banking Integration Center
   Bremer Private Banking relationships will soon transition to Old National Bank. This Integration Center is your central resource for updates.
7. How Should Small Businesses Measure Cybersecurity?
   How do you know if your business is safe and secure online? Measuring how effective your cybersecurity is can be tricky for small businesses. Cybersecurity firms make use of complex key performance indicators (KPIs) to measure how effective their security tactics are, but building these systems is generally beyond the
8. How do I set up eStatements for my Old National loan account?

   eStatements are online, electronic copies of your account statements that you can quickly view, search, save and print. You can view them on your computer and your mobile device.

   To enroll in eStatements through Online Banking or the Mobile App, just follow these simple steps:

   On a web browser

   • Log in to Digital Banking
   • Click eStatement Preferences under eStatements and check the box next to the account(s) for which you want to receive eStatements
   • Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions). Your confirmation code will be visible at the end of the document. Copy this number and scroll down the page.
   • Enter the six-character Confirmation Code in the box and hit Continue.
   • Verify the email address where statement notifications should be sent and hit Accept.

   On the Mobile App
   Enrolling in eStatements from your our Mobile App is similar. Watch our tutorial on signing up for eStatements from your phone.

   • Click on the Mobile Banking App and log in to your account.
   • Click on the More menu button at the bottom of the screen.
   • Click eStatement Preferences and check the box next to the account(s) for which you want to receive eStatements.
   • Click Save Changes.
   • On the confirmation page, click View Disclaimer to receive your Confirmation Code.
     Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions). Your confirmation code will be visible at the end of the document. Copy this number and scroll down the page.
   • Enter or paste the six-character Confirmation Code and select Continue.
   • Read the Consent and Authorization.
   • Enter and verify the email address where statement notifications should be sent and click Accept.

   Note that enabling eStatements will stop the delivery of a paper statement to your mailing address.

   If you need assistance with signing up for eStatements or using them, please contact Client Care at 1-800-731-2265.

   You can also visit the eStatements page on our website.

9. Home Loans for ITIN Holders
   Old National Bank has a special mortgage program for people with Individual Taxpayer Identification Number (ITIN) status. Contact us to get started.
10. How does a sub-user activate their account for Shared Access?
    As a subuser, you have the ability to access another person's account, based on the entitlements granted to you. 
    
    The primary user will setup your access. 
    
    You will be sent an email with your temporary password to the email address the primary user setup and a second email with your temporary ID. 
    
    Within 30 minutes of receiving the email, click on the link to complete the setup. 
    
    Read and accept the terms and conditions. 
    
    Verify your identity by receiving a call from the phone number provided by the primary user. 
    
    Setup a new password. 
    
    Once logged in, if you want to change your ID, click My Settings and Edit User ID. 
    
    If you forget your password or have questions regarding your access, please contact the primary user.