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1. 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.

2. How can I find Allpoint ATMs?

   To find an Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "Allpoint Surcharge-Free ATM" filter. Just type a zip code or city/state into the locator Search box. You can also use the locator within our Mobile App to find Allpoint ATMs.

   Allpoint ATMs are 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.

   Allpoint is a network of 55,000 ATMs that provides Old National clients fee-free ATM access to their accounts.

3. What offices have notaries?

   We have associates who can notarize in every Old National office. This is a service we provide at no cost for Old National clients.
   
   It is best to call ahead to make sure a notary is available. You can use our locator to find your nearest office, hours and phone number.

   You can also find locations and hours in our Mobile App. Just select Locations on the log in screen. Enter a zip code or city. Tap the purple pin of your desired banking center. Then tap the information icon (i in a circle) for the location phone number and hours.

4. 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.

5. What are the different types of ownership for a business?

   The most common structures for a business are Sole Proprietorship, Limited Partnership, Limited Liability Partnership, Limited Liability Company, S-Corporation and Corporation.

6. How does a sub-user activate their account for Shared Access?
   As a subuser, you have the ability to access another person's account, based on the entitlements granted to you. 
   
   The primary user will setup your access. 
   
   You will be sent an email with your temporary password to the email address the primary user setup and a second email with your temporary ID. 
   
   Within 30 minutes of receiving the email, click on the link to complete the setup. 
   
   Read and accept the terms and conditions. 
   
   Verify your identity by receiving a call from the phone number provided by the primary user. 
   
   Setup a new password. 
   
   Once logged in, if you want to change your ID, click My Settings and Edit User ID. 
   
   If you forget your password or have questions regarding your access, please contact the primary user.
7. How can I see when property taxes are paid from my mortgage escrow?

   Payment information for property taxes is available in Mortgage Manager within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.

   To see when future payments will be made, Select the drop down arrow located next to the escrow item and it will expand with detailed information.

   Property tax payments are also reflected in your year-end statement, to be mailed by January 31.

8. What is mortgage pre-qualification?

   Mortgage pre-qualification enables you to begin the application process and gain helpful information even before you start looking at homes. 

   With pre-qualification, you’ll know how large of a mortgage you can may qualify for, which means you’ll know what pricepoint you’ll be looking in. You’ll know your spending limit, and will also be a more attractive buyer to sellers (because they will know you’ll be able to receive the financing you need to buy the property).

   While pre-qualification isn't actual approval, it can help speed up the approval process when you find the perfect home. Getting pre-qualified is quick and easy, and you can have an answer in minutes.
   
   Talk to a mortgage expert about getting pre-qualified.

9. 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.

10. How do I set up a recurring payment in Online Bill Pay?

    From a Web Browser

    • Log in to your Digital Banking account.
    • Open Online Bill Pay.
    • Locate the payee on your list.
    • Under the Options list, select the Automatic Payment tab.
    • Next, select the account you would like to pay from, the amount and the frequency.
    • If you are sending the payment via check, you may Add a Memo (located under Amount).
    • Under Frequency, you may select start and end dates for the payment, or choose No End Date to continue to make payments until you turn them off.
    • Email notifications are also available for when the payment is scheduled, when the payment has been sent or before the last payment is sent. 
    • When you are satisfied with your payment information, click Save.

    In the list of payments, you can easily see items that are set up with recurring payments. They are identified by the rotating arrow icon.

    • Use the Edit button to edit a recurring payment, or you can change the entire payment rule.
    • Click Add to make additional payments to a payee.

    On the Mobile App
    Recurring payments 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 payment in the mobile app, tap Payment Center and then select Bill Pay.
    • Tap Schedule.
    • If you wish to cancel, tap the scheduled payment and tap Cancel payment.
    • Tap Yes to confirm.