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1. How do I set up automatic credit card payments?

   To set up automatic payments on your credit card, log into your account, select your card, and choose “Manage payments”. There, you can choose the date and amount of your automatic monthly payments.

2. 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.

3. How do I get started with Zelle?

   It's easy — Zelle^® is already available within the Mobile app and digital banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

4. What can I do in Digital Banking?

   With Digital Banking, you can bank anytime and anywhere that you have access to the Internet. The following are some of our Digital Banking features:

   Mobile Deposit
   Deposit a check safely and securely with your smartphone.

   Transfers
   Transfer money from accounts you have at other financial institutions to your Old National account, including loan payments. Or transfer money between your Old National accounts.

   Bill Pay
   Pay bills easily from Digital Banking. Set up who you want to pay, when and how much. Payments are deducted from your checking account and sent to payees for you.

   eStatements
   View, download and print an electronic version of your statement.

   Money Management^TM
   See all your financial accounts in one place, including those at other financial institutions. Track and analyze your total spending, loans and investments.

   Zelle^®
   Zelle^® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

   Text Banking
   Use simple text commands to check account balances, transfer funds between accounts and view recent transaction history.

   Card Controls
   Manage your debit cards to immediately turn off your card or to set transaction limits and alerts. 

   How to enroll in Digital Banking

   When you open an Old National checking account in a banking center, you can be enrolled in Digital Banking immediately.

   When you open an Old National checking account in a banking center, you can be enrolled in Digital Banking immediately.

   If you open a new Old National account online, you can enroll in Digital Banking immediately.

   You are able to access a mobile version of Digital Banking via your smartphone; however, for the best experience we suggest that you download our mobile app.

   There is no charge for use of Digital Banking, including the Mobile App.

5. How can I find fee free ATMs?

   With your Old National debit/ATM card, you can use any Old National or Allpoint ATM with no fees. (Please be aware that Old National charges a $2.50 fee when you use a non-Old National Bank or non-Allpoint ATM.)

   You can find Old National and Allpoint ATMs near you by using the locator on oldnational.com. When searching, select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find your nearest ATMs.

   The Allpoint ATM network provides 55,000 surcharge-free ATMs located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS, Kroger, Target, Walgreens, Winn-Dixie and many others.

6. What if I want to send money to someone whose financial institution doesn't offer Zelle?

   You can find a full list of participating banks and credit unions live with Zelle^® here.

   If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

   To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

7. How do I set up a recurring transfer in Digital Banking?

   From a Web Browser
   To make a recurring transfer, start by clicking the Transfer icon in the My Accounts section of your Digital Banking homepage or click on the Move Money tab, and select Make a Transfer.

   Here you can select the accounts and date, and type in the amount you would like to transfer.

   To create a recurring transfer, check the Repeat box next to the date.

   Select the frequency, date and duration of your recurring transfers and click Save.

   Your recurring transfer frequency will be displayed next to the Repeat box. Click the link if you would like to edit the schedule details, or click Schedule transfer to save.

   To view your upcoming scheduled transfers, just hover over Move Money in the main navigation and click View scheduled transfers.

   The Scheduled Transfers page will display all scheduled transfers, and allow you to make a transfer or cancel a previously scheduled transfer.

   You have the option to include a message, you may do so in the Memo section.

   Click Make Transfer.

   Take a moment to verify that your transfer details are correct, then click Confirm.

   Once you have confirmed, we’ll let you know that your transfer is complete. Now you can choose to Print this receipt, Make another transfer, or Exit by clicking Go to My Accounts.

   On the Mobile App
   Recurring transfers can be viewed and cancelled in the Mobile App, but can only be setup and maintained from a web browser.

   • To view or cancel a recurring transfer in the mobile app, tap Transfers.
   • Tap Schedule.
   • If you wish to cancel, tap Scheduled Transfer and then Cancel Transfer.
   • Tap Yes to confirm.
8. How do I set up a sub-user in Shared Access?

   As the primary user of digital banking, you have the ability to grant another person or persons (sub-users) access to your digital banking account. You have sole authority and control in sharing access with, managing and disabling sub-users and/or their respective authority. In setting up sub-users to your account, you authorize Old National to act on transaction instructions initiated under the credentials of authenticated sub-users, just as if it was initiated under your credentials. 
   
   Sub-users access is limited to web browser only.

   • From within a web browser, select Additional Services, then Share Access with Others. 
   • Select Add person. 
   • Enter the identifying information about the sub-users. 
   • Select Grant full access to all accounts or next to each account, select
   • Click to grant access to each individual account. 
   • You will need to setup if the account is View Only, can make internal transfers or bill payments.
   • If you choose to allow bill payments, you will need to set an approval limit as well. 
   • Click Save and then Continue to agree to the Terms of Use. 

   The sub-users will receive an email at the address you provided and will need to setup their access within 30 minutes. They will log in and verify identity with the phone number you provided. The sub-users will then be able to log in to your account with their own user ID and password.

9. What costs will I have to pay at a mortgage closing?

   Closing costs include a number of fees and will vary based on your agreement, your loan, your lender and even what state you live in. But you typically can expect to pay between 2 and 5 percent of the home’s purchase price to cover these costs.

   You can expect to see fees for the third parties and reports involved in your home purchase (including attorneys, couriers, title searches, inspections, appraisals, surveys, transfer records, property research, underwriting and more), and you also may have to pay for any upcoming property taxes.

   Insurance also plays a large role in closing costs. For example, you may need to pay your premium for the first year of homeowner’s insurance at closing, as well as title insurance, and Private Mortgage Insurance (if your down payment is less than 20 percent).

   Your mortgage expert can provide an estimate of these closing costs after you apply for your mortgage.

10. What are the replacement rates for LIBOR?

    Although options for replacing LIBOR continue to evolve, Old National has currently identified the following potential replacement options for our clients:

    1. Secured Overnight Financing Rate (SOFR)
    2. Term SOFR

    The Secured Overnight Financing Rate or SOFR is the replacement benchmark recommended by the New York Federal Reserve’s Alternative Reference Rate Committee (ARRC). (See references below for more information on the work of the ARRC.) SOFR is derived from transactions that are executed in the overnight repurchase agreement (repo) market. These transactions are executed between banks and other intermediaries and are often collateralized by US Treasury securities. The market for SOFR is very deep and liquid with nearly $1 trillion in underlying transactions executed daily. 

    While SOFR has been identified as the replacement index for LIBOR, there are multiple calculation methodologies which have been developed given that SOFR is a daily rate. The CME Term SOFR Reference Rates benchmark is a daily set of forward-looking interest rate estimates based on the SOFR futures contracts. CME Term SOFR Reference Rates are calculated and published for 1-month, 3-month, 6-month and 12-month tenors. Like LIBOR, CME Term SOFR Reference Rates are forward-looking, and the rate is set at the beginning of the period and interest is paid in arrears.