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1. 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.
   
   
   
   
   

2. How can I send a wire transfer?

   To send money to both personal and business accounts in the US and internationally, visit your nearest Old National Banking Center.

   To learn more about domestic and international wires, including wire transfer fees, visit our Business Wire Transfers page or our Personal Wire Transfers page.

3. 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.

4. Why is Old National entering into this partnership?
   • First Midwest’s culture and values align with Old National's. We are both focused on getting to know our clients and helping them reach their goals and strengthening and supporting our communities.
   • It will help us serve all our clients better. This partnership provides us with additional resources that will allow us to serve all clients better. For instance, we expect it to accelerate some of our plans to enhance our technology for the benefit of our clients and team members.
   • It positions us to be an even stronger and more secure bank for years to come. Ultimately, our goal is to be THE premier bank in the Midwest, serving ALL clients exceptionally well, while maintaining our culture, integrity and commitment to community.
5. Can I use Zelle® internationally?

   In order to use Zelle^®, the sender's and recipient's bank accounts must be based in the U.S.

6. What are financial scams I should be aware of?

   What you need to know:
   Scams fall into a couple of categories, Advanced Fee Scams & Bank and Financial Account Scams.

   • Advanced Fee Scams – based on the concept that the victim is promised a benefit (prize, lottery winnings, inheritance) but must pay in advance for some fee before the victim can receive that benefit. Variations of this scheme include business opportunity/work, credit card interest reduction, work from home online scams and romance schemes.
   • Bank and Financial Account Scams – involve tricking individuals into providing their debit card, credit card or financial account information so that scammers gain unauthorized access to those account and siphon off funds. Some of these techniques include:
     • Phishing – use of email and websites that pretend to be legitimate banks, financial institutions, credit card companies and manipulate the victim into disclosing personal and financial data
     • Vishing – telephone equivalent of phishing; fraudsters call prospective victims and pretend to be the victim’s bank to trick them into disclosing details during the call
     • SMiShing – texting equivalent to phishing

   Types of Scams:
   IRS Scams: Scammers call potential victims demanding cash payments for unpaid taxes via prepaid debit cards, money orders, Western Union/Money-gram or wire through their bank. According to the IRS, the agency will first contact taxpayers by mail, not by phone, concerning taxes owed and it will never as for payments using a prepaid debit card, money order or wire transfer. 

   Online Dating Scams: Scammers troll media sites in search of romantic victims-usually claiming to be Americans traveling or working abroad. Here is how the scam works. You are contacted online by someone who appears interested in you. They may have a profile and email you pictures. For weeks, even months you may chat back and forth forming a connection. You may even be sent flowers or other gifts. Ultimately, your new “friend” will request money. There will be repeated hardships that only you can help alleviate. You may also be sent checks to cash or forward a package. In addition to losing your money, you may have unintentionally taken part in a money laundering scheme by cashing phony checks and sending the money overseas and by shipping stolen merchandise. 

   Grandparent Scam: A grandparent receives a call from a “grandchild”, typically late at night or early in the morning. The caller claims to be traveling out of the country and is in a bad situation (arrested for drugs, car accident, mugged) and needs money wired ASAP. The caller does not want his or her parents called. A variation is the caller claims to be an arresting police officer, lawyer or doctor and requesting money. 

   Online Shopping Scams: These can take many forms. Some scammers will pose as genuine sellers and post fake ads at much lower prices. After you pay, the items never arrive. Other scammers will pose as buyers and send a check for more than the required payment and ask for a refund. You send the refund and the check comes back as fraudulent. You are out the item and the amount of the refund. 

   What you need to do:

   • Become familiar with common fraud scams
   • Know who you are receiving checks from before you deposit them
   • Never pay anyone to receive a deposit
   • If someone calls you and attempts to obtain sensitive information or scam you, hang up

   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.

7. Is my information secure in Zelle®?

   Keeping your money and information safe is a top priority for Old National. When you use Zelle^® within online and mobile banking, your information is protected with the same technology we use to keep your Old National account safe.

8. How do I set up automatic credit card payments?

   To set up automatic payments on your credit card, log into your account, select your card, and choose “Manage payments”. There, you can choose the date and amount of your automatic monthly payments.

9. How can I access my loan online?

   You can access your loan through our Digital Banking services. There are several options for enrolling online:

   1. Go directly to the enrollment page or
   2. Go to the blue box located at the top of our oldnational.com home page, click the Login button and select Enroll in Digital Banking or
   3. Download our Mobile App and enroll in Online Banking.

   Once on the enrollment page:

   1. Enter your desired Online Banking User ID and Password.
   2. Enter your personal information including name, date of birth and address.
   3. Enter a contact phone number(s) and/or email address, which will enable us to verify your identity. Based on the option you select, you will receive a phone call, text message or email with a verification code that you must enter to confirm your identity and access Digital Banking. 
   4. Once all requested information is entered, read and accept the Terms & Conditions, select the box and click Complete Sign Up.

   If you choose to register your device as a trusted (i.e., private, nonpublic) device, you will not be required to complete the verification process each time.

10. Is there a limit on how many people can be in a banking center?

    We have re-opened our banking centers and are no longer limiting the number of people who can be inside the lobby at one time. Appointments continue to be accepted and encouraged.