222 results found
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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.
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What is Mobile Deposit and how do I use it?
Mobile Deposit is a feature within Digital Banking that allows you to deposit checks by using your phone's camera.
To use Mobile Deposit
- Log in to your Mobile App.
- At the bottom of the screen, choose Check Deposit.
- In the "To" section, select the account you want to deposit to and enter the amount.
- Endorse the check by signing your name on the back. Then print For Mobile Deposit Only, or check the mobile deposit box if available.
- Select the photo icon and capture an image of the front and back of your check.
- Verify the information and select Deposit.
You will receive an email confirmation once a Mobile Deposit has been submitted. A second email will be generated when the deposit has been reviewed to let you know the status of the deposit. An approval email does not guarantee that the funds are available immediately. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.
Tips for using Mobile Deposit
- Take photos in a well-lit area
- Place check on a dark surface
- Be sure only the check is in the photo (no fingers holding the check)
- Make sure the whole check is visible in the guidelines; leave a small amount of space between the guidelines and the edges of the check
- Give the camera time to focus before taking the photo; being too close can make the check image blurry
- Tap the center of your screen to get a clear picture
- Make sure the check isn't folded or torn
If you need assistance with using Mobile Deposit, please call Client Care at 1-800-731-2265.
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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.
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What do I do if I received a suspicious phone call claiming to be from Old National?
What you need to know:
If you receive an unexpected phone call that appears to be from Old National seeking personal information, follow these steps:- Be suspicious
- Hang up
- Call Old National at 1-800-731-2265 Monday-Friday, 7am to 6pm CT or Saturday, 7am to noon CT
What you need to do:
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 CT or Saturday, 7am to noon CT. -
What types of business accounts do you offer?
Old National offers a wide range of business and commercial banking products including:
- Loans and lines of credit
- SBA loans
- Business credit cards
- Investment real estate
- Community development lending
- Business checking
- Online and mobile banking
- Treasury Management solutions and
- Merchant Services
We also provide products and services for your employees, such as Health Savings Accounts and retirement planning. Our Partnership Banking program offers special perks and services to help your employees save money and achieve their financial goals.
To learn more, please call us at 1-800-731-2265, stop by any banking center or visit the Business Banking Solutions page on our website.
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How do I set up and use Card Controls?
Card Controls enable you to monitor debit card activity, receive alerts for certain types of
transactions and turn your card off/on in the event that it is lost or stolen.On a Web Browser
To set up Card Controls through a web browser, log in to your Digital Banking account on oldnational.com. Select Additional Services at the top of the screen and then Card Controls.
You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”
Setting Card Controls to "ON" or "OFF"
- Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
- Setting the debit card status to “OFF” suspends all activity on the card. The status must be set to “ON” to use the card.
- A debit card must be in “Active” status to add Declines and Alerts.
Setting debit card Alerts
- Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
- The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
- To set up an Alert for a specific Transaction Type only, choose that transaction type. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
- When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.
Declining debit card transactions
- Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
- The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline. Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
- When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked.
Setting Spend Limits
- When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
- Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
- To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
- You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.
A note about Email vs. Text Alerts
Card Control Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.Mobile App
Tap on the more button, under Payment Center tap Debit Card Controls
You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to ON the first time you view them. Suspended cards which are not available for Card Controls are displayed as OFF.
Setting Card Controls to ON or OFF
- Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
- Setting the debit card status to OFF suspends all activity on the card. The status must be set to ON to use the card.
- A debit card must be in Active status to add Declines and Alerts.
Setting debit card Alerts
- Choose the card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
- The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
- To set up an Alert for a specific Transaction Type only, choose that transaction type.
- Set the Send Alerts option to ON.
- When an Alert is turned on, you will see a blue bell next to it. When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.
Declining debit card transactions
- Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
- The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline.
- Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
- When a transaction is set to BLOCK, EVERY transaction of that type on the card will be declined/blocked.
Setting Spend Limits
When Spend Limits are set on your debit card, transactions made over a certain amount will be declined.- To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
- Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
- To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT.
- Enter the minimum dollar amount for which you want to receive an Alert.
- You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.
A note about Email vs. Text Alerts
- Card Control Alerts are emailed to the email address listed in Digital Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too.
- There is not a way to turn off the email alerts.
- You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.
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How do I set up and use Card Controls in the Mobile App?
Card Controls enable you to monitor debit card activity, receive alerts for certain types of transactions and turn your card off/on in the event that it is lost or stolen.
After logging in to the Mobile App, go to More on the lower right of the Accounts screen. On the Account Services screen, select Card Controls.
You will then see a list of your debit cards. Active debit cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”
Setting Card Controls to "ON" or "OFF"
- Next to Card Status, use the ON/OFF toggle to set the debit card status as being active or suspended.
- Setting the card status to “OFF” suspends all activity on the debit card. The status must be set to “ON” to use the card.
- A debit card must be in “Active” status to add Declines and Alerts.
Setting debit card Alerts & Controls
- Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
- The Set Declines and Alerts screen will open with three options:
- Send Alerts for all transactions, next to a toggle bar
- Transaction Type
- Spend Limits
- Next to Send Alerts for all transactions, you can set the toggle to ON to receive Alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
- To set up an Alert for a specific Transaction Type only, choose Transaction Type for a list of options. Tap the option(s) for which you want to receive an Alert. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
- When a transaction is set to ON, EVERY transaction of that type on the debit card will trigger an Alert.
Declining debit card transactions
- Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
- To decline a specific Transaction Type, tap Transaction Type for a list of options. Tap each option you want to block and next to Decline Transaction set the toggle to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
- When a transaction is set to BLOCK, EVERY transaction of that type on the debit card will be declined/blocked.
Setting Spend Limits
- When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits option.
- Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
- To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
- You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.
A note about Email vs. Text Alerts
Card Controls Alerts are emailed to the email address you have listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by logging in to Online Banking from a browser and removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts. -
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.
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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.
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What information do I need to apply for a business loan?
Our documents you will need page can help you prepare to apply for a business loan. Here you will find a checklist of items we will need to consider your business loan request, including small business administration and commercial real estate loans.
You will also find a link to our Personal Financial Statement form, Personal Financial Statement WI Residents Only residents and our SBA Loan Submission Packet.
To start your business loan application, please call us at 1-800-731-2265, visit a banking center or send an information request form.