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        1. 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.

        2. What is a pre-authorization hold on my debit card?

          When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

          For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

          Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

          Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

          If you have questions, call Client Care at 1-800-731-2265.

        3. What is the difference between a debit and credit card?

          While both a debit card and credit card can be used to make purchases at stores or online, how they work is quite different.

          A debit card is tied to your bank account. When you use it to make purchases, money is withdrawn directly from your account. If you have no money in your account, the purchase won’t (or shouldn’t) go through.

          A credit card is a revolving line of credit, or a loan. When you use it to make purchases, the credit card company funds the purchase upfront. You can continue spending up to your credit limit without paying immediately. At the end of your billing cycle, your credit card company sends you a bill for the amount you owe. You then have the option of paying the minimum amount due (and paying interest on the remainder), paying your balance in full (and not being charged interest) or paying somewhere in between. As long as your account is in good standing, you can continue to spend up to your credit limit.

          Each type of card has benefits and drawbacks. A debit card is a safe option. It prevents you from falling into debt, since it won’t function if you don’t have any money in your account. However, should you need to spend a little extra, you won’t be able to.

          A credit card, on the other hand, gives you access to additional funds and it gives you the opportunity to build your credit, provided you pay your bill in a timely fashion. The potential risk is that you may end up paying high interest on the balance you don’t pay off, and, if you don’t make your regular payments, you may see your credit score drop.

          At Old National, we offer our clients both debit cards and credit cards.

        4. When using an Allpoint ATM, why did I receive a message screen saying I would be assessed a surcharge fee?

          First, if you receive such a message and are an Old National client, be assured that you will not actually receive a surcharge. Due to technical limitations of certain types of ATMs, Allpoint is currently not able to prevent the “surcharge warning message” screen from appearing in some cases. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e. the withdrawal amount on your receipt will show $20, $40, $60 as opposed to $23.50, $43.50, $63.50, etc. shown when you pay a surcharge).

          If you believe you received a surcharge in error, please contact Old National Client Care at 1-800-731-2265.

        5. How can I get pre-approved for a vehicle loan?

          To be pre-approved for a vehicle loan, you will need to complete a loan application based on the approximate age of the vehicle you are considering, as well as the maximum amount you think you may want for your loan. If you are unsure of how much you may be able to borrow, we are happy to work through calculations to determine a loan amount starting point.

          A loan application can be completed by stopping into one of our banking centers or by calling 1-877-427-7220.

          Knowing how much you can borrow makes the buying process easier and being pre-approved gives you more negotiating power.

        6. How can I report a lost or stolen debit card?

          You can report your lost or stolen Old National debit card 24-hours a day by calling 1-800-731-2265, option 2, in the US. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your debit card, check for unauthorized transactions and order a new debit card for you.

          If you notice unauthorized activity on your debit card through Online and Mobile Banking, you can turn your card off right away with the Card Controls feature in Online Banking and the Mobile App.

          Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report the unauthorized activity on your card and obtain a new one.

        7. How do I report a lost or stolen credit card?

          If you believe your credit card may have been compromised, or you need to report it as lost or stolen, please call 1-800-558-3424.

        8. How can I apply for a credit card?

          You can apply for an Old National Credit Card either online or in a banking center.

          To apply online, visit our Credit Card page to read about the types of cards we offer. Then select Apply Now next to the card that fits your needs.

          All of our credit cards offer the following:

          • Free access to your FICO® Score, anytime, anywhere
          • Online and mobile account access
          • Fraud protection - we monitor your account and alert you of any suspicious activity
        9. Is there a charge to use Mortgage Manager?

          Old National Mortgage Manager is a free service for Old National Mortgage clients. All you have to do is have Online Banking.

          If you don't currently have Online Banking and want to enroll, see our FAQ: How do I enroll in Online Banking and Mobile Banking?

          Please note that you will need your Mortgage Loan Account Number to get started in Mortgage Manager.

          Visit our Mortgage Manager page to learn more and find guides for using Mortgage Manager.

        10. How can I make a mortgage payment in Mortgage Manager?

          You can use Mortgage Manager to make your mortgage payment within Online and Mobile Banking. Our guide for Accessing Mortgage Manager through Online and Mobile can help you get started. Once you have accessed Mortgage Manager, there are several ways to make payments explained in the following guides:

          Here are several other options for making mortgage payments:

          • Visit any Old National banking center to make a payment
          • Mail a check to PO Box 3789, Evansville, IN 47736
          • Not using Mortgage Manager? Use the Mortgage Loan Autopay form to set up automatic payments on a mortgage
          • Pay by phone by calling Mortgage Servicing at 1-866-853-3277. (A fee will be associated if you pay by phone.) Payments made by phone can only be accepted as an electronic check (eCheck) and not by credit card or debit card. You will need your routing number and account number to pay by eCheck. 

          If you need assistance with any of the above payment options, please contact Mortgage Servicing at 1-866-853-3277.