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        1. What is the difference between available balance and current balance on my account?

          Your Current Balance shows the amount of money in your account at the end of the previous day (after deposits, withdrawals, and ATM and debit card transactions). This includes only transactions that have cleared.

          Your Available Balance is your Current Balance minus any holds, uncollected deposits and transactions received but not yet processed by Old National, which may include certain ATM or debit card transactions. It also does not include checks you have written but have not been presented by the recipients.

          Please refer to our Deposit Account Agreement and Disclosure for more information about the timing and order of transactions we use to calculate your account balance at the end of each day.

          If you have questions, please call Client Care at 1-800-731-2265 or visit any Old National banking center.

        2. How can I get a replacement for a broken or damaged debit card?

          To order a replacement for a damaged debit card, call Client Care at 1-800-731-2265 or visit any banking center.

          The normal timeframe for delivery is 7-10 business days. To receive a card sooner, you can instead choose to pay a $35 fee and receive the replacement card in two business days. The card must be ordered by 4pm on any business day for it to be delivered in two business days.

          A Lost or Stolen Debit Card
          If instead of a damaged debit card you need help with a lost or stolen card, please call us at 1-800-731-2265, option 2, in the US. You can report a lost or stolen card 24-hours a day. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your card, check for unauthorized transactions and order a new card for you.

        3. What should I do if I'm the victim of check fraud?

          Check fraud occurs when someone steals your actual checks or reproduces them. They then attempt to cash those checks and, if successful, can pull money out of your account.

          If you're the victim of check fraud, please visit any Old National banking center, as an associate will need to complete the appropriate paperwork, which will require your signature. At the same time, we will handle any changes that need to be made to your account. Sometimes it may be necessary to close the account and open a new one or issue a new debit card if the card number was compromised.

        4. What are my options for contacting Old National?

          We offer several convenient ways to connect with us. 

          • Visit a nearby location. (Note: Please check our locator for information about specific locations. All banking centers are accepting appointments for lobby transactions and will serve you at our drive-thru windows (where available). See our FAQ with information on scheduling an appointment.)
          • Call our Client Care team at 1-800-731-2265. Phones are answered Monday through Friday, 7am to 6pm, and Saturday, 7am to noon (all Central time).
          • Use our email form to submit comments or request a call.
          • Sign in to to your Digital Banking account from the Old National home page, and choose Secure Chat from the top menu.
        5. How can I close a checking or savings account?

          We do our best to ensure that you have the right financial solutions to fit your life. While we understand that closing an account may sometimes serve your needs best, we also hope that you will consider talking with one of our helpful experts at a nearby banking center. They may be able to find an account or service that is a better match for what you need. If you are moving, they can show you how to use digital banking services to make deposits and manage your account wherever you are. You also can review many of our account and service options on our website, including our Compare Checking Accounts page.

          If you do have a situation in which you need to close your checking or savings account, the following information should help you:

          If your account currently has a $0 balance
          You may contact our Client Care center at 1-800-731-2265 or visit a nearby banking center. Your request may take 1-2 days to process. You will want to make sure any outstanding checks or debit card purchases have cleared before closing your account.

          If you still have money in your account
          If your account currently has a balance, we will need a signature from you to close your account, so please visit a nearby Old National.

          If you aren’t able to close your account in person, you may be able to send a letter with your request by mail or fax, but additional verification is often needed with this method. We recommend that you contact the location where your account was opened, to check what specific information is required before sending your request. Contact information for each banking center is available on our website locator.

        6. How do I place a stop payment on a check or pre-authorized payment?

          Please be aware that a stop payment fee of $38 per item applies. You can submit a stop payment request in one of several ways:

          • For checks, log in to Online Banking. Go to Additional Services and choose Stop Payment. Follow the on-screen instructions. You can also place a stop payment for a check within our Mobile App.
          • For checks and electronic transactions, visit any Old National banking center or call Client Care at 1-800-731-2265.
          • When requesting a stop payment, you will need to provide the date, the amount, and the number of the item, together with the name of the payee.
          • Once a stop payment is placed, and the form has been signed (when applicable), stop payment orders remain effective for up to six (6) months from the date authorized.
          • Please note, that even though a stop payment request goes into effect immediately, you may still see the transaction attempting to clear your account within Online Banking. If this happens, rest assured that the transaction will be returned during our nightly processing of accounts.
        7. What should I do if I think someone has gained unauthorized access to my Digital Banking?

          Please contact us as soon as possible by calling Client Care at 1-800-731-2265, Option 3, to report any suspicious activity on your account.

          If you believe someone has gained unauthorized access to your Digital Banking or Mobile App, you should change your Digital Banking credentials. From the web browser, log in to Digital Banking. Go to My Settings in the upper right. Under Log In & Security, edit your User ID and Password. From the Mobile app, Go to My Settings in the upper right. Tap my settings, edit your User ID and Password. 

          If you believe the unauthorized activity may be a result of someone using your debit card, you can turn your card off (and back on again) with our Card Controls feature in Online Banking and the Mobile App.

          Of course, prevention is the best approach. To find information on steps you can take to protect against having your account or information compromised, visit our security center.

        8. What are Card Controls and Alerts?

          Card Controls and Alerts enable you to monitor and manage your debit card activity from within Online Banking and the Mobile App. There is no cost to use Card Controls.

          Here are a few of the benefits of using Card Controls:

          Monitor
          Know exactly what is happening with your debit card, anytime and anywhere. Turn on alerts for Internet purchases, ATM transactions and more.

          Manage
          Use Card Controls to immediately turn your debit card on or off in case it is misplaced or lost, or for any other reason. You can also set transaction limits, so all debit card transactions above a certain amount will be declined.

          Visit our Card Controls page for more information, including how to enroll.

          Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report any unauthorized activity.

          Please note that Card Controls are for debit card transactions and HELOC cards only. They are not available for checks clearing or ACH transactions.

        9. What are "cookies" and how do they affect my Digital Banking?

          A "cookie" is a small text file created by a website that you visit, and it is then stored in your computer or phone browser, either temporarily for a single session only or permanently (until deleted). Cookies provide a way for the website to recognize you and keep track of your preferences.

          Cookies (or lack of them) can impact your use of Digital Banking in several different ways including the following:

          • If your browser is set to not accept cookies, or you clear your cookies, your device will no longer be recognized by your Digital Banking. In this case, you may be required to verify your identity by receiving a one-time passcode to the phone number or email address registered in your Digital Banking.
          • In some cases, a cookie in your browser can pull up an old page on a website and prevent you from seeing an updated one. In this case you would need to clear cookies in your browser settings to see the new page.

          Instructions for clearing or accepting cookies varies by device and browser. If you need assistance with either, please contact Client Care at 1-800-731-2265, and we would be happy to assist you.

        10. Where do I send Text Banking commands?

          Text Banking commands should be sent to 454545. You should add 454545 to your mobile contacts and save it under Text Banking. Also, Text Banking commands should only be sent via SMS or text messaging on your mobile device. They cannot be sent through Facebook Messenger, WhatsApp or other chat apps.

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

          • 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

          Visit our Text Banking page for more information.

          For assistance with Text Banking, please call Client Care at 1-800-731-2265.