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      1. What is an ATM surcharge fee?

        An ATM surcharge fee is the fee an owner of an ATM charges cardholders from other financial institutions who use their machine. In other words, if you have an Old National debit card and use it at another bank's ATM, that bank may assess a surcharge.

        ATM surcharge fees are typically between $2 and $3.50. Usually, a screen will appear on an ATM giving you the option to accept or decline a surcharge. Declining will cancel your transaction.

        It's important to note that for some types of checking accounts, Old National will charge a $2.50 "foreign" ATM fee (on top of the ATM owner surcharge) if you use a non-Old National Bank or non-Allpoint ATM. 

        To ensure fee-free ATM usage, we recommend always using an Old National or Allpoint ATM when possible. To find an Old National or Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find both Old National and Allpoint ATMs.

      2. Can I use my debit card(s) while traveling internationally?

        Yes, you can use your debit card internationally, but we recommend that you make some preparations before traveling:

        • 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.
        • 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.
        • Take phone numbers with you to report a lost or stolen debit card. Report your lost or stolen debit card 24-hours a day by calling 1-800-731-2265 in the US or 1-812-422-2197 from outside of the US.  
        • We strongly recommend that you take a second form of payment in the event your card(s) is lost or stolen.
        • Please note that when you use your debit card internationally, foreign transaction fees may apply. Old National clients do have access to the Allpoint ATM Network, which has overseas locations and provides access without additional bank surcharges. You can find international Allpoint ATMs by using the oldnational.com locator or our Mobile App locator. 

        If you have questions about using your debit card while traveling, please contact 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. What if I notice unauthorized debit card transactions?

        If you notice unauthorized debit card activity on your statement or through Online and Mobile Banking, you can turn your debit card off right away using our Card Controls. Card Controls is a feature you can access at any time in Online Banking or the Mobile App.

        You should also contact us at 1-800-731-2265 to report the unauthorized activity on your debit card. We can then cancel or restrict your card, check for other unauthorized transactions and order a new card for you.

        If your debit card has been lost or stolen, you can report it 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.

      5. Where can I mail my Old National mortgage payment?

        You can mail your Old National mortgage payment to: 
        PO Box 3789
        Evansville, IN 47736

        The overnight address is:
        Attn: Mortgage Servicing
        101 NW 4th Street
        Evansville, IN 47708

        Old National Mortgage Manager
        You can also use Mortgage Manager within Online and Mobile Banking to make a mortgage payment online. 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:

        If you need assistance with Mortgage Manager, please contact Mortgage Servicing at 1-866-853-3277.

      6. 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.

      7. How can I see when my homeowner's insurance is paid from my mortgage escrow?

        You can find information about payments for your homeowner’s (hazard) insurance 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 find a specific payment amount during a time period you select, go to My Home on the top menu and choose Payment History. Select a date range to see what payments have been made during that time.

      8. Does Old National still offer travel cards?

        As of 10/31/19, Old National stopped offering travel cards, due to the many other secure ways now available to pay when a person is traveling.

        If you have already purchased a travel card from Old National, you can continue to use it and can reload it up to two times until its expiration date. You can also visit the card site to check the balance of any existing card you may have.

        If you have an issue with an existing travel card, please call the Visa number on the back of the card.

      9. Will Card Controls and Alerts replace the current ON Guard Visa Purchase Alerts app?

        Yes, beginning August 12, 2020, the on/off card controls previously available in the separate ON Guard app will be found as a new Card Controls feature in Old National Online Banking and the Mobile App.

        That means you’ll be able to turn your debit card on and off, and set transaction alerts, in the same place where you already do all of your other digital banking. There will be no need for a separate enrollment or additional app.

        Visit our Card Controls and Fraud Monitoring page, for step-by-step instructions for activation.

      10. What is Money Management within Digital Banking?

        Money Management is a robust tool within Digital Banking that enables you to have an overall picture and greater control over your finances.

        • View all of your accounts, including those with other financial institutions, in one convenient location.
        • Categorize your spending.
        • Set goals and use budget alerts.
        • See a history of spending and prediction of future spending.

        And much more!

        Money Management is also on the Mobile App, so you have complete control of your financial life wherever you are!

        To learn more, view our Money Management demo and resource guides.