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        1. How do I know which of these replacement benchmarks is right for my loan?

          Old National has thoroughly analyzed and evaluated replacement benchmarks. Our goal is to provide you several sound options since one size does not fit all. The replacement benchmarks noted above have different characteristics, advantages, and disadvantages. Your Old National relationship manager will work with you to decide which LIBOR alternative best fits your needs.

        2. What is an NSF fee, and why did I receive one?

          If there is not enough of an available balance in your account to cover a withdrawal or payment presented against your account, an overdraft will occur and fees may be assessed. These are called NSF fees or overdraft fees. You may also hear the term "insufficient funds" used.

          An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.

          For specific details regarding an overdraft, or to sign up for overdraft coverage, please visit any Old National banking center or call Client Care at 1-800-731-2265. 

        3. My debit card is about to expire. When will I receive my new debit card?

          Your debit card will continue to work until the last day of its expiration month. You should automatically receive a replacement card around the third week of the month that your card is set to expire.

          To protect against potential card theft, your card will arrive in an unmarked, white envelope that does not display the Old National name or logo. Please watch your mail carefully to avoid accidentally discarding it.

          If you have not received your new card by the end of the expiration month, please call Client Care at 1-800-731-2265, Option 2, or visit any Old National banking center for assistance.

          Please note that If you have not used your card in the past 12 months, or we do not have a correct address on file for you, this may prevent you from automatically receiving a replacement card.

        4. 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.

        5. 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.

        6. 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.

        7. 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.

        8. How can I send a wire transfer?

          To send money to both personal and business accounts in the US and internationally, visit your nearest Old National Banking Center.

          To learn more about domestic and international wires, including wire transfer fees, visit our Business Wire Transfers page or our Personal Wire Transfers page.

        9. 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.
        10. If I want to enroll or need assistance with business online and mobile banking, whom do I contact for support?
          To enroll in or get assistance with online and mobile banking for businesses, contact Client Care at 1-800-731-2265. And a team member can assist you with password resets, login and general questions.