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1. 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.

2. School’s Out for Summer … But Tuition Is Back in the Fall
   I can only imagine the enthusiasm of students and teachers who will finally able to be back in a classroom and learning in person as schools and campuses around the country start coming back to life this fall.
3. Love and Legacy: What Couples Rarely Talk About (But Should)
   Financial conflict isn't a guarantee of marital dissatisfaction, but when it's pervasive and goes unresolved, it can be a limiting factor in a relationship's growth.
4. Agreements and Disclosures
   Find links to documents such as the Deposit Account Agreement and Disclosures (DAAD), agreements for Digital Banking services, and other terms and conditions.
5. The New 2024 Health Savings Accounts (HSA) Limits Explained
   A Health Savings Account, often called an HSA, allows you to pay for some medical expenses with tax-free money.
6. What is an ATM 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.

   ATM surcharge fees are typically between $2 and $3.50. Usually, a screen will appear on an ATM giving you the option to accept or decline a surcharge. Declining will cancel your transaction.

   It's important to note that for some types of checking accounts, Old National will charge a $2.50 "foreign" ATM fee (on top of the 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.

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. Mobile Banking and Mobile Deposit Terms & Conditions
   This addendum has the terms and conditions governing your use of the mobile banking and mobile deposit capture services Old National Bank may provide to you.
9. Seniors are the highest at risk for
   Seniors are the highest at risk for scams   Elder fraud, also known as elder financial exploitation, has been called the “crime of the 21st
10. 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.