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1. 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.

2. What types of checks can I deposit through Mobile Deposit?

   You can use Mobile Deposit to deposit checks that are payable to you. You cannot use Mobile deposit for the following:

   • Insurance draft checks
   • Checks payable to a person or entity other than you
   • Checks payable to you and another person
   • Checks or items drawn on a financial institution located outside the United States
   • Checks or items dated more than 6 months prior to the date of deposit
   • Checks or items on which a stop payment order has been issued
   • Checks written from an account in which there are insufficient funds
   • Credit card cash advance checks

   If you have questions about checks or items that are accepted through Mobile Deposit, please contact Client Care at 1-800-731-2265.

3. What is a budget draft payment on my mortgage loan?

   With Budget Draft Payment (Biweekly Drafting), a borrower is allowed to make half-payments every two weeks and apply these payments as a full monthly mortgage payment once a month. Some borrowers find it easier to break a payment up over paychecks, instead of making one large monthly mortgage payment. You can set up budget drafting in Mortgage Manager. Our How to Enroll in Budget Draft guide walks you through the process. 

   If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Client Care at 1-800-731-2265 or visit any Old National banking center.

4. Why am I being asked to verify my identity when logging in to Digital Banking?

   If our Digital Banking does not recognize the device you are using to log in, you are asked to verify your identity for the security of your account. There are several common reasons that this happens such as:

   • You recently cleared your browser's cookies
   • You are using a different browser from the one you used previously
   • You knowingly or unknowingly asked to not skip this extra security step
   • You are using your browser in private or incognito mode

   After you complete the verification steps of receiving a code by phone call, text message or email, and you enter it to confirm your identity, you can choose Yes, register my private device to avoid repeating the verification process each time.

   If you have questions about verification, please call Old National Client Care at 1-800-731-2265.

5. The idea of being unable to live independently is
   The idea of being unable to live independently is challenging whether you’re thinking about yourself or your loved ones. However, by having
6. How can I get a copy of a check in Digital Banking?

   Once a check you have written to make payment has cleared on your Old National checking account, you will automatically have an image of it within your Digital Banking transaction history.

   On a web browser

   • Sign in to Digital Banking, go to My Accounts and select the checking account the check was written on. Here you can narrow your search for the image of the check.
   • Under Account History, set the date range when the check cleared your account.
   • Next, under "Narrow by items containing," enter keywords to help you find a specific check. You can search by check payee, check number or check amount. You can also simply search by the word "check" to pull up all checks within your designated time frame.

   Once you have located the check image you are searching for, you can select it to open an image of the front and back of the check. Above the check, to the right, is a printer icon you can use to print a copy of the check.

   Mobile App

   • Within the Mobile App, go to Accounts and select the checking account the check was written on.
   • At the very top of the screen, you will see a Search box with the words Search transactions. Here you can enter the check number (if you know it). You can also simply enter the word "check," to pull up all checks that have cleared your account.
   • When searching for a check image within your Mobile App, you will not have the option to search by date range or as far back as you can within Digital Banking.
   • Once you find the check you are searching for in the Mobile App, tap it to open an image of the front of the check only.
   • From here, you can view or take a screenshot of the check image.

   If you have trouble locating your check image within Digital Banking, please contact Client Care at 1-800-731-2265.

7. How do I schedule an appointment to visit a banking center?

   You can schedule an appointment with your local banking center, by calling the location directly or making an appointment online through our website.

   If you need to find a nearby location, with phone number and hours, you can do so through our locator at oldnational.com/locations. Each banking center on our locator also has a Make an Appointment button for online scheduling.

   Note: Currently, we are not able to use online scheduling to make appointments for Commercial Banking, Wealth Management, Investments or Mortgage Lending. To schedule an appointment with one of these areas, please call the appropriate number below:

   • Old National Commercial Banking: 1-800-731-2265
   • Old National Wealth Management: 1-800-830-0362
   • Old National Investments: 1-800-264-6621
   • Old National Mortgage: 1-855-974-5626
8. 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.

9. Why is my request for Digital Banking access showing as declined or pending?

   When you complete the Digital Banking enrollment process, we must verify the information you provide in order to prevent any unauthorized access to your account. The security of client information is one of our highest priorities. If your request for Digital Banking has been declined, it most likely means we were not able to successfully verify the information you provided during the enrollment process. A pending status most likely means we are working to verify your information. We will email you to notify you when your Digital Banking enrollment request is approved or declined.

   If you have questions or concerns about your Digital Banking enrollment, please call Client Care at 1-800-731-2265, and one of our associates would be happy to assist you.

10. What do I do if I received an unsolicited or suspicious email claiming to be from Old National?

    If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

    Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:

    • Awkward greeting or salutation
    • Typos
    • Incorrect grammar
    • Strange or unfamiliar links
    • Compelling or urgent language
    • Misspelled company name

    You are your first line of defense:

    • Stop before you click on links or attachments
    • Call the company using a phone number you know to be valid to confirm they sent the email
    • Don't reply