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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. 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.

3. 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.
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7. What is an emergency fund?

   An emergency fund, also known as a rainy day fund, is a savings account where you set aside money for an unexpected event. For example, you might dip into your emergency fund for an unexpected medical bill, a sudden need for car repair, or a job loss. Your emergency fund should not be used for day-to-day expenses, vacations, or other big non-emergency purchases.

   The idea is that by having dedicated savings for the unexpected, you’ve created a buffer, should disaster strike. You’ll have funds to cover an emergency and not be as financially impacted as you would be if you were unprepared. This allows you to avoid debt and continue to pursue your other financial goals in the face of an emergency.

   Experts recommend you keep anywhere from 6 months to a year’s worth of expenses in your dedicated emergency fund. You should also make sure your emergency fund is in an interest-bearing account. At Old National, we offer a variety of savings options.

8. 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.

9. 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.

10. 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.