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      1. What is an NSF fee, and why did I receive one?

        If there is not enough of an available balance in your account to cover a withdrawal or payment presented against your account, an overdraft will occur and fees may be assessed. These are called NSF fees or overdraft fees. You may also hear the term "insufficient funds" used.

        An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.

        For specific details regarding an overdraft, or to sign up for overdraft coverage, please visit any Old National banking center or call Client Care at 1-800-731-2265. 

      2. 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.

      3. How do I download and install the Old National Mobile Banking App?

        To find and download the Mobile App, just follow these steps.

        • Depending on your device type, visit the App Store, Google Play or the Amazon Appstore.
        • The above links should take you to the Mobile App. If not, search for Old National Mobile.
        • Download the Mobile App to your phone or other device.
        • Once downloaded, log in using your Digital Banking User ID and Password.
        • You will be prompted to verify your identity using the phone number already registered in your Digital Banking.

        You can also follow our brief tutorials:

        For the App Store:


        For Google Play:



        Learn more about the Mobile Banking App.

        With the Mobile App, you can do the following and more:

        • Check balances
        • Transfer funds
        • Pay bills
        • Locate branches and ATMs
        • Deposit checks
        • Enroll in and view eStatements
        • Access our Money Management personal financial management tool
        • Access Mortgage Manager

        There is no charge for use of the Mobile App.

        If you need assistance with downloading the Mobile App, please call Client Care at 1-800-731-2265.

      4. What is the difference between Card Controls and Automated Fraud Monitoring?

        Both Card Controls and Automated Fraud Monitoring help to protect you from fraudulent activity on your debit card and account.

        Card Controls give you direct control within Online Banking or the Mobile App. You are able to select the types of alerts you want to receive, set spending limits, decline transactions and more.

        Automated Fraud Monitoring is a service Old National debit card holders are automatically enrolled in. If we ever suspect that your card is being used by someone other than you, we’ll send you a real-time text alert, email or phone call and ask for your confirmation. Based on your response, we can immediately shut down your card if necessary. If you prefer, you can opt out of Automated Fraud Monitoring alerts.

        Both Card Controls and Automated Fraud Monitoring are free services, and together they provide a double layer of protection for your account and debit card.

      5. Do I have to be enrolled in Digital Banking to use Card Controls and Alerts?

        Yes. You must be logged into Online Banking or the Mobile App to set up and use Card Controls.

      6. Are there any limits for sending and receiving money with Zelle?

        The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine send limits, call Old National Client Care at 1-800-731-2265.

        There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

      7. Where can I see the breakdown of my mortgage payment - what was applied toward interest, principal and escrow?

        Within Mortgage Manager, you can view your Loan Details under the Payment button. Your Last Payment Breakdown is under Payment History. Loan Activity will provide you with more detailed information. Select the drop-down icon for all details of the payments or select the View Additional Activity to select custom dates in the Activity box.

      8. If I want to enroll or need assistance with business online and mobile banking, whom do I contact for support?
        To enroll in or get assistance with online and mobile banking for businesses, contact Client Care at 1-800-731-2265. And a team member can assist you with password resets, login and general questions.
      9. 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.

      10. 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.