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        1. How do I sign up to use the Allpoint ATM network?

          You do not have to sign up to use Allpoint's 55,000 ATMs in addition to Old National ATMs. Enrollment is automatic for Old National clients who have an Old National debit/ATM card.

          You can find Old National and Allpoint ATMs 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.

        2. How do I approve a payment in Shared Access?

          If you set a bill pay transaction limit for sub-users, then you will need to approve any payment over that limit. When a sub-user submits a payment, you will receive an email.

          • From a web browser, log into digital banking.
          • In the Bill Payment box, you will see you an Approval needed.
          • Select Review.
          • Select Approve or Decline. Decline will cancel the payment. Approve will schedule the payment and provide you a confirmation number.

          Sub-users access is not available on the Mobile App and managing sub-users is also only accessible via a web browser in Digital Banking.

        3. What is the Main Street Lending Program?
          The Federal Reserve Main Street Lending Program is structured to keep credit flowing and provide low-cost loans to small and mid-size businesses that were in good financial standing before the onset of the COVID-19 crisis. If you are considering applying for a Main Street Loan, please contact your Old National Relationship Manager or mainstreetlendingprogram@oldnational.com. You can also visit the Federal Reserve website for more information including downloadable FAQs or The Federal Reserve Bank of Boston website.
        4. How can I know when my stimulus payment has been direct deposited to my account?

          Visit the IRS Get My Payment (GMP) portal at https://www.irs.gov/coronavirus/get-my-payment to see if you can expect a 2021 Economic Impact Payment. The GMP portal will provide the date when your payment was or will be sent. If GMP reflects a direct deposit date and partial account information, then your payment has been deposited to that account.

          If you haven't already, make sure you are enrolled in Old National Online and Mobile Banking. This will enable you to see a pending transaction from IRS TREAS, if the U.S. Treasury has sent your payment by ACH. You can monitor through Online and Mobile Banking to see when the deposit actually posts to your account making the funds available for use.

          You can also set up text banking and automated alerts within Online Banking or push notifications (under settings) within our Mobile App, so you will be notified when a large deposit is made to your account or when your balance increases by a certain amount.

        5. What is the Allpoint ATM Network?

          Allpoint is a network of 55,000 ATMs that provides Old National clients fee-free (also known as surcharge-free) access to their accounts. Allpoint ATMs are listed as "Allpoint Surcharge-Free ATM" on our website locator at oldnational.com/locations.

          To find an Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "Allpoint Surcharge-Free ATM" filter. 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.

          Transactions that can be completed at Allpoint ATMs include withdrawals, transfers and balance inquiries. Home equity cards cannot be used at Allpoint ATMs.

          Allpoint ATMs will also have an Allpoint logo on them. Some may also be branded by other financial institutions, but you can still use them fee-free if they have the Allpoint logo showing they are part of the Allpoint Network.

        6. What is an ATM surcharge fee?

          An ATM surcharge fee is the fee an owner of an ATM charges cardholders from other financial institutions who use their machine. In other words, if you have an Old National debit card and use it at another bank's ATM, that bank may assess a surcharge.

          ATM surcharge fees are typically between $2 and $3.50. Usually, a screen will appear on an ATM giving you the option to accept or decline a surcharge. Declining will cancel your transaction.

          It's important to note that for some types of checking accounts, Old National will charge a $2.50 "foreign" ATM fee (on top of the ATM owner surcharge) if you use a non-Old National Bank or non-Allpoint ATM. 

          To ensure fee-free ATM usage, we recommend always using an Old National or Allpoint ATM when possible. To find an Old National or Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find both Old National and Allpoint ATMs.

        7. Can I use my Home Equity card at Allpoint ATMs?

          No. Home Equity cards cannot be used at Allpoint ATMs. You can use your Old National debit/ATM card to make withdrawals, transfers and balance inquiries at Allpoint ATMs.

        8. Where can I find mortgage loan payoff information?

          For the correct amount to pay off a mortgage loan, please do one of the following:

          A loan's payoff information is not available within Online or Mobile Banking. The remaining balance shown on a loan within Online and Mobile Banking may not reflect all interest, fees, payments, etc. To obtain the correct amount to pay off a loan, it is best to call us or visit a banking center.

          Please note that loan payoff amounts over $3,500 must be paid in a banking center and cannot be accepted over the phone.

          Amounts under $3,500 can be accepted by phone as an electronic check (eCheck) only, and not by credit card or debit card. There is also a fee associated with loan payments made by phone. You will need to have your routing number and account number to pay by eCheck.

        9. What is the minimum to open an IRA account?

          The minimum amount to open an IRA Savings account is $50. The minimum amount to open an IRA Certificate of Deposit is $500.

          Old National offers both Traditional and Roth IRAs. Learn more about each. If you have additional questions, please contact Client Care at 1-800-731-2265 or visit a banking center.

        10. What is Zelle®?

          Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.