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1. How do I set up a sub-user in Shared Access?

   As the primary user of digital banking, you have the ability to grant another person or persons (sub-users) access to your digital banking account. You have sole authority and control in sharing access with, managing and disabling sub-users and/or their respective authority. In setting up sub-users to your account, you authorize Old National to act on transaction instructions initiated under the credentials of authenticated sub-users, just as if it was initiated under your credentials. 
   
   Sub-users access is limited to web browser only.

   • From within a web browser, select Additional Services, then Share Access with Others. 
   • Select Add person. 
   • Enter the identifying information about the sub-users. 
   • Select Grant full access to all accounts or next to each account, select
   • Click to grant access to each individual account. 
   • You will need to setup if the account is View Only, can make internal transfers or bill payments.
   • If you choose to allow bill payments, you will need to set an approval limit as well. 
   • Click Save and then Continue to agree to the Terms of Use. 

   The sub-users will receive an email at the address you provided and will need to setup their access within 30 minutes. They will log in and verify identity with the phone number you provided. The sub-users will then be able to log in to your account with their own user ID and password.

2. What costs will I have to pay at a mortgage closing?

   Closing costs include a number of fees and will vary based on your agreement, your loan, your lender and even what state you live in. But you typically can expect to pay between 2 and 5 percent of the home’s purchase price to cover these costs.

   You can expect to see fees for the third parties and reports involved in your home purchase (including attorneys, couriers, title searches, inspections, appraisals, surveys, transfer records, property research, underwriting and more), and you also may have to pay for any upcoming property taxes.

   Insurance also plays a large role in closing costs. For example, you may need to pay your premium for the first year of homeowner’s insurance at closing, as well as title insurance, and Private Mortgage Insurance (if your down payment is less than 20 percent).

   Your mortgage expert can provide an estimate of these closing costs after you apply for your mortgage.

3. How can I find Allpoint ATMs?

   To find an Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "Allpoint Surcharge-Free ATM" filter. Just type a zip code or city/state into the locator Search box. You can also use the locator within our Mobile App to find Allpoint ATMs.

   Allpoint ATMs are 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.

   Allpoint is a network of 55,000 ATMs that provides Old National clients fee-free ATM access to their accounts.

4. What offices have notaries?

   We have associates who can notarize in every Old National office. This is a service we provide at no cost for Old National clients.
   
   It is best to call ahead to make sure a notary is available. You can use our locator to find your nearest office, hours and phone number.

   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) for the location phone number and hours.

5. Do you have special hours for clients at a higher risk for COVID-19?

   Please contact your local banking center if you are at high risk and wish to set up an appointment. We will accommodate your needs. Please visit our locator for the status and hours of a specific location.

6. How do I get started with Zelle?

   It's easy — Zelle^® is already available within the Mobile app and digital banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

7. 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.

8. 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.

9. Can I receive my mortgage statement electronically rather than by mail?

   Yes. You can enroll in electronic statements for your Old National mortgage loan within Mortgage Manager. Just follow these steps:

   1. Log into Mortgage Manager
   2. Select Account Management
   3. Click on Document Center
   4. Under Mortgage eStatements select Paperless Statements
   5. Open and review eStatement Delivery Terms and Conditions
   6. Select I agree to the terms and conditions
   7. Click Let's do this!

   Use our guide How to Sign Up for Mortgage eStatements for step-by-step instructions as well.

   You will receive an email notification letting you know when your statement will be ready for viewing. If you change your mind and would like to resume receiving paper statements in the mail, you can de-activate this service in Mortgage Manager at any time.

10. What is a mortgage escrow account?

    Your mortgage escrow account makes it easier to manage your mortgage payment along with property tax and insurance premium payments for your home. You don’t have to save for taxes and insurance separately, because your escrow account enables you to make one monthly mortgage payment for all. When you make a mortgage payment, part goes toward your mortgage to pay your principal and interest. The other part goes into your escrow account for property taxes and insurance premiums (for example homeowners insurance).

    When your property tax or insurance bills are due, Old National pays those for you using the funds that have built up in your escrow account.

    You can view your escrow account information within Mortgage Manager.