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      1. 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.

      2. What should I do if I haven't received my loan coupon book?

        If you have not received your coupon book, or misplaced it, you can request a new one in one of these ways:

      3. Should I notify Old National if I plan to use my debit card while traveling?

        Yes, if you will be using your debit card in areas where you do not typically travel, you should call Old National Client Care at 1-800-731-2265 or visit any Old National banking center to notify us of your travels before you leave. This will prevent your card from being blocked as a precaution due to unusual activity.

        You can also add a travel memo to your card in online/mobile banking by selecting your debit card, then selecting “Manage Card”, then “Manage Travel Plans".

        Mastercard® continues to monitor your debit card for suspicious or fraudulent activity while you are traveling. They may attempt to contact you to verify activity on the card, so be prepared to respond to such a call.

        It is also a good idea to take phone numbers with you in case you need to report a lost or stolen debit card. You can report a lost or stolen card 24-hours a day by calling 1-800-731-2265 in the US or 1-812-422-2197 from outside of the US.

        If you have questions about using your debit card while traveling, please contact Client Care at 1-800-731-2265.

      4. Do I have the option to make extra principal payments on my mortgage loan?

        Yes, you have the option to make extra principal payments. Your loan must be current before any additional principal payment will be applied.

        The easiest way to do this is within Mortgage Manager. Our Mortgage Manager guides show you how to make a payment and where to enter any additional principal amount:

      5. What should I do if I am having financial difficulties making my loan payment?

        We are here to discuss any options available to you. Please contact our Client Care at 1-800-731-2265, Option 4.

        For a mortgage loan, you can also explore your options by speaking to a housing counselor. To find a list of counselors in your area, visit the U.S. Department of Housing and Urban Development's website at https://hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call 1-800-569-4287.

      6. When the benchmark in my loan is changed, will the “spread” over the benchmark also change?

        Yes, possibly. One of the overarching goals of the LIBOR transition is to ensure that there is no “value transfer” between two parties to a contract simply because the benchmark interest rate has changed. Since no replacement benchmark is the same as LIBOR, it is possible that a “spread adjustment” will be required to ensure there is no value transfer from one party to the other.

        Your Old National relationship manager will be able to answer any specific questions you may have about a spread adjustment that may be required on your loan.

      7. What is an SBA loan?

        SBA loans are guaranteed by the US Small Business Administration (up to a certain amount) and are issued by participating lenders, mostly banks. Old National is recognized as a Preferred Lender by the SBA and has many years of experience with the SBA 7(a) program, the SBA Express program and the SBA 504 program.

        SBA program benefits include smaller down payments, longer maturities with no balloon payment and fixed or floating rates. SBA loans typically provide more flexible financing at competitive terms that you might not otherwise qualify for. To learn more about SBA loans at Old National, please visit our SBA Loans page.

      8. How do I activate my new debit card?

        Call 1-800-992-3808 and follow the prompts for activating your card and establishing a personal identification number (PIN).

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

      9. What is Partnership Banking?

        Partnership Banking is an exclusive program for employees of member businesses. As a Partnership Banking member, your company can offer special perks and services geared to help your employees save money and achieve their financial goals.

        To learn more about offering this program, visit the Partnership Banking page on our website, call us at 1-800-731-2265 or visit a banking center.

      10. How do I transfer funds between my Old National accounts?

        Transferring funds between your accounts is easy–whether you’re making a one-time transfer or scheduling recurring transfers. 

        One-Time Transfer
        To make a one-time transfer in the web browser, 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. In the mobile app, tap Transfers. 

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

        Recurring Transfers
        Save time with scheduled, recurring transfers that automatically move money between your accounts. 

        To create a recurring transfer in the web browser, check the Repeat box. 

        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 in the web browser, just hover over Move Money in the main navigation and click View scheduled transfers. Or in the mobile app, tap Transfers, then Scheduled. 

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