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      1. Which branches have safe deposit boxes?

        You can use the oldnational.com locator to see which of our banking centers have safe deposit boxes.

        The listing will also provide a direct phone number for that branch. You can call that banking center to get additional information regarding box sizes, cost and current availability.

      2. What is browser history, cache and cookies, and how do I clear them?

        When you visit a website, your browser (the application you use to browse the Internet) creates an archive of each of the sites you visit, which is known as your browser history. Cookies are files that contain information useful to a website — such as saved password, preferences, browser type, IP Address, date and time of visit. The browser also temporarily stores items such as images, icons, style sheets, scripts or media files that are used to speed up your browsing experience. This is the cache.

        It is a good practice to clear your browser history and the web data collected by the sites you visit every so often. You can opt to have your browser do this automatically, or you can do it yourself through your browser preferences. Doing so will help improve performance, protect your personal information and provide a better online experience.

        There are many different types of browsers available. We have provided links to the major browsers on the most common types of devices. Follow the links to their support pages for instructions on how to clear the cache on your specific device.

        Google Chrome

        Firefox

        Safari

        Microsoft Edge

        Microsoft Edge on PC
      3. What are your hours?

        Our lobby and drive-thru hours vary by location. You can find banking center and Wealth Management hours on our locator page.

        Once on our locator page, enter the branch address (as much as you know), city and state in the Search box. In the list of banking centers on the right, you will see drive-thru and lobby hours.

        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). This will bring up the location hours.

      4. How do I manage sub-user access in Shared Access?

        In Shared Access, sub-users are not allowed to use the mobile app, so managing your sub-user is done via the web browser.

        To manage your sub-user, log into Digital Banking on a web browser.

        • Select Additional Services, then Share access with others.
        • You can toggle the access from Yes to No.
        • The Options button allows you to Update Profile, Reset Password or Delete the sub-user.
        • Update Profile allows you to manage the users personal information or what accounts they have access to.
        • Reset Password allows you to provide the sub-user with a temporary password. The user will receive an email that the password was changed, but you will need to verbally provide the password to the sub-user.
      5. How can I find fee free ATMs?

        With your Old National debit/ATM card, you can use any Old National or Allpoint ATM with no fees. (Please be aware that Old National charges a $2.50 fee when you use a non-Old National Bank or non-Allpoint ATM.)

        You can find Old National and Allpoint ATMs near you by using the locator on oldnational.com. When searching, select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find your nearest ATMs.

        The Allpoint ATM network provides 55,000 surcharge-free ATMs 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.

      6. How do I sign up for Card Controls and Alerts?

        Card Controls and Alerts are a feature of Online Banking and the Mobile App. You can activate Card Controls within Online Banking and the Mobile App; there is no need for any separate enrollment or downloading of any additional apps.

        Card Controls enable you to manage and monitor debit card activity, such as setting and receiving alerts or suspending certain transactions.

      7. What is mortgage refinancing?

        When you refinance your mortgage, you are essentially paying off your existing mortgage and replacing it with a new one. Mortgage refinancing can provide several benefits, including the opportunity to lower your interest rate, lower your monthly payment and pay off your loan earlier.

        Old National offers both the Quick Home Refi (QHR) and our standard mortgage refinancing product. You can learn more about each one and how to apply on our Mortgage Refinancing page.




      8. Is Old National participating in the Main Street Lending Program?
        Yes, Old National is an eligible lender for the Main Street Lending Program. If you are considering applying for a Main Street Loan, please contact your Old National Relationship Manager or mainstreetlendingprogram@oldnational.com. You can also visit the Federal Reserve website for more information including downloadable FAQs or The Federal Reserve Bank of Boston website.
      9. Why is LIBOR being discontinued?

        LIBOR was introduced in the 1980’s as a benchmark interest rate that was intended to reflect banks’ average cost of short-term, wholesale unsecured borrowing. Over time, and particularly during the financial crisis that began in 2007, banks became less and less reliant on inter-bank lending. As a result, the number and dollar volume of transactions from which LIBOR was derived declined dramatically. To make up for this shortfall, LIBOR panel banks resorted to using “expert judgment” when submitting various rates used in calculating LIBOR. This left it susceptible to manipulation and fraud.

        In 2017, the UK Financial Conduct Authority (FCA), the regulator for LIBOR, announced that after December 31, 2021, the panel banks would no longer be required to submit settings for LIBOR. (This has since been revised to June 30, 2023, for most LIBOR tenors.) This announcement effectively started the countdown to the end of LIBOR.

      10. Am I eligible for an SBA loan?

        SBA lenders and SBA loan programs have different eligibility requirements. However, there are some basic requirements:

        • Location: Your business must be physically located and operate in the U.S.
        • Business type: Your business must be for-profit and in an eligible industry.
        • Investment: You, as the business owner, must have invested time or money into the business.
        • Size: Only small businesses qualify. The definition of a "small business" is based on number of employees or average annual receipts. Size standards information can be found on the sba.gov website.
        • Loan application history: You must not be able to get more traditional financing at favorable terms.

        You should also be able to demonstrate your ability to repay the loan and have a sound business purpose and plan.

        To learn more about SBA loans at Old National, please visit our SBA Loans website page.