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1. 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.

2. 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.

3. 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.

4. 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.
5. Why was I charged a paper statement fee?

   Some Old National accounts require the use of electronic statements or eStatements to avoid a monthly paper statement fee. This would have been disclosed when the account was opened. If you disable eStatements for Student Checking, Everyday Checking or Personal Plus accounts, there will be a paper statement service charge of $3 per month. Disabling eStatements for certain Health Savings accounts will result in a paper statement service charge of $2 per month.

   You can enroll in eStatements, and select the accounts for which you want to receive eStatements, through Online Banking or the Mobile App. Just follow these simple steps:

   In Online Banking

   • Log in to Online 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).
   • 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.

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

   When you enroll in eStatements, you will no longer receive a paper statement.

   If you have questions or need assistance, please contact Client Care at 1-800-731-2265.

6. Do you offer referral bonuses?

   Yes, through our ReferLive program, clients can earn up to $500 per calendar year when they refer friends and family for a new eligible Old National checking account. Visit the ReferLive registration page to enroll and begin making referrals.

   Requirements
   Both the referrer and the new account holder receive a $50 Visa^® Reward Card once the person referred completes the following requirements within 75 days of account opening:

   • Completes ten (10) debit card transactions (ATM withdrawals excluded) AND
   • Has one (1) or more direct deposits totaling at least $500

   Note that this offer is not available to any friend or family member who already has an Old National checking account, or is a joint owner for an existing checking account.

   Receiving your Reward Card
   Your Reward Card will be mailed to you. Please allow 4-6 weeks for delivery after all offer requirements are completed.

   Other ways to register
   In addition to using the online registration form, you can also enroll to begin making referrals in the following ways:

   • Mobile App: Download the ReferLive app from the App Store or Google Play.
   • Phone: Call 1-844-213-3046.
   • Visit a banking center: Pick up a ReferLive brochure. Scan and email the completed brochure to registrations@referlive.com.
7. How can I find a certain Old National banking center or ATM?

   There are several ways to find an Old National banking center or ATM through our website and our Mobile App:

   On the website
   Visit oldnational.com/locations to go to our Branch & ATM locator page. Enter the following information into the Search box. 

   • To find a specific location, including hours, enter address (as much as you know), city and state of the location you are searching for. Select Search.
   • To find the banking center or ATM closest to your current location, enter your location and choose Search. A listing of your nearest banking centers and ATMs will be provided. You can also choose to Get Directions.

   In the Mobile App

   • Open the App on your device. You do not have to log in. At the bottom of the Login screen, select Locations. You can use the Search at the top of the screen to find a branch or ATM by address, zip code or city.
   • If you are already logged in to the Mobile App, go to More at the bottom right of the screen and then Locations under Contact Us.

   Results of Location searches will be more accurate if you have enabled your mobile device to show your current location.

8. How can I find an ATM?

   There are several ways to find an Old National ATM through our website and our Mobile App:

   On the website
   Visit oldnational.com/locations to go to our Branch & ATM locator page. Enter the following information into the Search box.

   • To find an ATM near a specific location, enter the location address (as much as you know), city/state or zip code. Select Search.
   • To find an ATM closest to your current location, enter your location and choose Search or just search for "Current Location." A listing of your nearest banking centers and ATMs will be provided. This listing will include branches with ATMs as well as standalone ATMs - some part of the Old National network and some part of the Allpoint network. You can also choose to Get Directions.   

   In the Mobile App

   • Open the App on your device. You do not have to log in. At the bottom of the Login screen, select Locations. You can use the Search at the top of the screen to find an ATM by address, zip code or city.
   • If you are already logged in to the Mobile App, go to More at the bottom right of the screen and then Locations under Contact Us.

   Results of Location searches will be more accurate if you have enabled your mobile device to show your current location.
   
   Deposits at ATMs
   Old National has many ATMs that will accept cash and check 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.

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

9. How do I use Quick Pay in Online Bill Pay?

   On a Web Browser
   Here’s how you make a payment from the Quick Pay section on the Digital Banking homepage.

   • First, log in to your Digital Banking account.
   • On the account homepage under Pay to select your payee from the drop-down list. If you have not set up a Payee, please go back to the section on how to Add a Payee.
   • In the Pay from section, select the account you would like to make the payment from. 
   • Use the Calendar to select the available date you want the payment to arrive to the payee and click Save. Keep in mind that some payment options take longer to issue than others, so your available dates may reflect this delay.
   • Next, enter the dollar amount you wish to pay.
   • When finished, click Schedule Payment.
   • You will be asked to confirm your payment, click Confirm to schedule and send your payment or Cancel if you need to make changes.

   On the Mobile App

   • From a mobile app, simply log in, tap Payment Center, then Bill Pay. 
   • Select the To/Payee and the From account. 
   • Enter the amount and the date you want the payment to arrive to the payee. 
   • Tap Pay. 
   • You will be asked to confirm your payment, tap Yes to schedule and send your payment or No if you need to make changes.
10. Where can I find the phone number or email to contact a branch manager?

    Banking center manager names and emails can be found on each banking center's page. The page will also provide the banking center phone number.

    To find your local banking center's page, go to our locator. In the Search box, enter the branch address (as much as you know), city and state. In the list of banking centers on the right, click on the banking center you are looking for.

    This will take you to that banking center's dedicated page. On the left of that page, you will see the banking center manager's name and a link to send an email.