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1. How can I apply for a business credit card?

   You can apply for a business or commercial credit card through our website. Visit our business credit card page to see the types of cards we offer and use the "Apply Online" button to apply for a card.
   
   You an also visit any banking center to apply for a business credit card.

2. How can I send a wire transfer for my business?

   To learn more about your options for sending domestic and international wires, including wire transfer fees, visit our Business Wire Transfers page. 
   
   Here you can also find information about ONPointe, our Treasury Management solution that enables clients to initiate secure wire transfers from their own computers.
   
   If your company regularly sends international wires, you may also want to talk with our Foreign Exchange (FX) Department directly at 1-800-704-3084. Along with helping clients make and receive payments in foreign exchange, the Old National FX Department can assist with ways to mitigate exchange rate risk.

3. Can I make a deposit at an Allpoint ATM?

   No. Allpoint ATMs can be used for withdrawals, transfers and balance inquiries only. 

   Old National does have many ATMs that will accept deposits, and we continue to add more. To find an ATM that accepts deposits, follow these steps:

   • Go to the oldnational.com locator
   • Next to the locator map, select the ATMs filter and unselect the Allpoint Surcharge-Free ATM filter. Our Partner ATMs, which are part of the Allpoint network, do not accept deposits.
   • Type your zip code or city/state into the Search bar to find the nearest ATMs

   Deposits made at an ATM are available for withdrawal based upon our typical funds availability policy. This means they may not be available for immediate withdrawal and use.
   
   To make a deposit, you can also use Mobile Deposit or visit an Old National banking center.

   If you have questions about making deposits at an ATM, please contact Client Care at 1-800-731-2265. 

4. How do I apply for a mortgage loan?

   You can apply for an Old National mortgage loan in several ways:

   Apply through our website

   1. Visit the Mortgage Loan Options page.
   2. If you prefer, you can also designate the mortgage lender you prefer to work with. In that case, go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of the mortgage loan officer you prefer to work with, select Apply Online.

   Call us
   You can also contact a mortgage loan officer directly to schedule an appointment. Go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of each mortgage loan officer, you will find a direct phone number.

5. What is a pre-authorization hold on my debit card?

   When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

   For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

   Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

   Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

   If you have questions, call Client Care at 1-800-731-2265.

6. 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.

7. What are eStatements and how do I sign up for them?

   eStatements are online, electronic copies of your account statements that you can quickly view, search, save and print. You can view them on your computer and your mobile device.

   Signing up for eStatements

   To enroll in eStatements through Online Banking or the Mobile App, just follow these simple steps:

   On a web browser

   • Log in to Digital Banking.
   • Click eStatement Preferences under eStatements and check the box next to the account(s) for which you want to receive eStatements. If the box is already checked when you navigate to this page for the first time, please uncheck and re-check the box to ensure your preference is correctly saved.
   • Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions). Your confirmation code will be visible at the end of the document. Copy this number and scroll up the page.
   • Enter the six-character Confirmation Code in the box and hit Continue.
   • Verify the email address where statement notifications should be sent and hit Accept.

   On the Mobile App
   Enrolling in eStatements from the Mobile App is similar. Watch our tutorial on signing up for eStatements from your phone.

   • Click on the Mobile Banking app and log in to your account.
   • iOS users, choose More in the bottom right corner. Android users, tap the menu icon in the upper left. 
   • Click eStatement Preferences and check the box next to the account(s) for which you want to receive eStatements.
   • Click Save Changes.
   • On the confirmation page, click View Disclaimer to receive your Confirmation Code. Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions). Your confirmation code will be visible at the end of the document. Copy this number and scroll up the page. 
   • Enter or paste the six-character Confirmation Code and select Continue.
   • Read the Consent and Authorization.
   • Enter and verify the email address where statement notifications should be sent and click Accept.

   Up to 18 months of eStatements may be immediately available upon enrollment. Note that enabling eStatements will stop the delivery of a paper statement to your mailing address.  

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   Viewing eStatements

   On a web browser

   • You can view, search, save and print eStatements in Digital Banking.
   • Under eStatements on the top menu, choose eStatements in the drop down.
   • You will land on a page with links to eStatements you have previously viewed (under the Documents heading) and those you haven't yet viewed (under the Unviewed Documents heading).
   • Choose eStatements under the appropriate heading.
   • This will pull up a copy of the most recent eStatement. On the right side of the screen, you can select any other statements you want to view by date. 
   • Once you have found and opened the desired eStatement, you can find options for downloading and saving it or printing it on the upper right of the statement.

   Note: Another way to search for a specific eStatement is to use the Document Search option at the top of the eStatements page.

   In the Mobile App

   • Sign in to your Mobile App. iOS users, choose More in the bottom right corner. Android users, tap the menu icon in the upper left. If you experience issues accessing your eStatements in the Mobile App, we encourage you to use a mobile browser instead.
   • Tap eStatements under Account Services.
   • You will land on a page with links to eStatements you have previously viewed (under the Documents heading) and those you haven't yet viewed (under the Unviewed Documents heading).
   • Choose eStatements under the appropriate heading.
   • Select the statement you want to view by date, which will open a copy of the statement on your phone. 

   If you need assistance with signing up for eStatements or using them, please contact Client Care at 1-800-731-2265.

   You can also visit the eStatements page on our website.

8. 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.

9. How do I sign up for Online Bill Pay within Digital Banking?

   Bill Pay is a free service that enables you to pay your credit card bill, cell phone bill, mortgage payment, utilities, individuals or really any bill you want to pay. Payment is taken directly from your Old National account. It's easy to begin using Online Bill Pay:

   From a web browser

   • Log in to Digital Banking
   • Choose Bill Pay in the top menu
   • You may need to enter a few pieces of identification, otherwise, review and check the box agreeing to the Terms & Conditions
   • Click Complete Sign Up
   • Begin adding information for the business or person you want to pay

   Within Digital Banking, you can make one-time payments and set up automated, repeat payments. You can also enroll to receive eBills (electronic bills) from payees with Bill Pay and view your eBills history.
   
   Please note: Depending on the party you are paying, payments may be sent electronically or a physical check will be produced and mailed.

   Our Bill Pay has its own FAQ as well. You can find it on the Bill Pay screen in the lower right corner under I want to. . .

   In the Mobile App

   • Open the Mobile App
   • iOS users, choose Bill Pay at the bottom of the screen. Android users, tap the menu icon in the upper left and choose Bill Pay.
   • Select Payees at the top right of the screen
   • In the Add a person or business field begin adding information for those you want to pay

   If you need assistance with enrolling in Bill Pay, please contact Client Care at 1-800-731-2265.

10. To submit a notice of error or request for information about my loan, do I have to write a letter, or can I instead call Old National or visit a banking center?

    We are happy to continue to service your account through email, phone and our banking centers. However, we encourage you to submit any notices of error or requests for information in writing to:

    Old National Bank
    Attn: Client Success
    P.O. Box 143
    Evansville, IN 47701

    Written communication ensures that you receive all the protections under the Real Estate Settlement Procedures Act (RESPA).