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1. What are the different types of ownership for a business?

   The most common structures for a business are Sole Proprietorship, Limited Partnership, Limited Liability Partnership, Limited Liability Company, S-Corporation and Corporation.

2. How does a sub-user activate their account for Shared Access?
   As a subuser, you have the ability to access another person's account, based on the entitlements granted to you. 
   
   The primary user will setup your access. 
   
   You will be sent an email with your temporary password to the email address the primary user setup and a second email with your temporary ID. 
   
   Within 30 minutes of receiving the email, click on the link to complete the setup. 
   
   Read and accept the terms and conditions. 
   
   Verify your identity by receiving a call from the phone number provided by the primary user. 
   
   Setup a new password. 
   
   Once logged in, if you want to change your ID, click My Settings and Edit User ID. 
   
   If you forget your password or have questions regarding your access, please contact the primary user.
3. How can I see when property taxes are paid from my mortgage escrow?

   Payment information for property taxes is available 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 see when future payments will be made, Select the drop down arrow located next to the escrow item and it will expand with detailed information.

   Property tax payments are also reflected in your year-end statement, to be mailed by January 31.

4. 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.

5. How do I know which of these replacement benchmarks is right for my loan?

   Old National has thoroughly analyzed and evaluated replacement benchmarks. Our goal is to provide you several sound options since one size does not fit all. The replacement benchmarks noted above have different characteristics, advantages, and disadvantages. Your Old National relationship manager will work with you to decide which LIBOR alternative best fits your needs.

6. How do I add accounts for transfers in Digital Banking?

   Before you can transfer money in your Digital Banking account, you will need to add the accounts you want to move money between. 

   First, log in to your Digital Banking account.

   Go to the Move Money tab and click External Funds Transfers.

   Click, Add a New Account.

   Select the account type and enter the account information.

7. How do I set up a recurring payment in Online Bill Pay?

   From a Web Browser

   • Log in to your Digital Banking account.
   • Open Online Bill Pay.
   • Locate the payee on your list.
   • Under the Options list, select the Automatic Payment tab.
   • Next, select the account you would like to pay from, the amount and the frequency.
   • If you are sending the payment via check, you may Add a Memo (located under Amount).
   • Under Frequency, you may select start and end dates for the payment, or choose No End Date to continue to make payments until you turn them off.
   • Email notifications are also available for when the payment is scheduled, when the payment has been sent or before the last payment is sent. 
   • When you are satisfied with your payment information, click Save.

   In the list of payments, you can easily see items that are set up with recurring payments. They are identified by the rotating arrow icon.

   • Use the Edit button to edit a recurring payment, or you can change the entire payment rule.
   • Click Add to make additional payments to a payee.

   On the Mobile App
   Recurring payments can be viewed and cancelled in the mobile app, but can only be setup and maintained from a web browser.

   • To view or cancel a recurring payment in the mobile app, tap Payment Center and then select Bill Pay.
   • Tap Schedule.
   • If you wish to cancel, tap the scheduled payment and tap Cancel payment.
   • Tap Yes to confirm.
8. How do I use Zelle®?

   You can send, request or receive money with Zelle^®.

   To get started, log in to Old National’s Online or Mobile Banking, navigate to Send Money With Zelle^® in the Mobile App Payment Center or the Move Money tab in Online Banking. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle^®.

   To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.¹

   To request money using Zelle^®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request.²

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

   ¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle^®.
   ² In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.

9. 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.

10. How can I get more information about an unfamiliar charge on my credit card?

    If you see an unfamiliar charge on your credit card, and you want to obtain more detailed information, please call 1-800-558-3424.