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        1. How can I delete my online/mobile banking profile?

          If you would like to delete your online/mobile banking profile, please call us at 800.731.2265 or visit us at an Old National banking center and we will be happy to assist.

        2. 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.

        3. 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.

        4. 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.

        5. How do I enroll in Zelle®?

          You can send, request or receive money with Zelle®.

          To start using Zelle® at Old National, you must be enrolled in Online or Mobile Banking.

          Once enrolled, login and locate Send Money with Zelle® in the Mobile App Payment Center or the Move Money tab in Online Banking. From there, complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.

        6. Why is LIBOR being discontinued?

          LIBOR was introduced in the 1980’s as a benchmark interest rate that was intended to reflect banks’ average cost of short-term, wholesale unsecured borrowing. Over time, and particularly during the financial crisis that began in 2007, banks became less and less reliant on inter-bank lending. As a result, the number and dollar volume of transactions from which LIBOR was derived declined dramatically. To make up for this shortfall, LIBOR panel banks resorted to using “expert judgment” when submitting various rates used in calculating LIBOR. This left it susceptible to manipulation and fraud.

          In 2017, the UK Financial Conduct Authority (FCA), the regulator for LIBOR, announced that after December 31, 2021, the panel banks would no longer be required to submit settings for LIBOR. (This has since been revised to June 30, 2023, for most LIBOR tenors.) This announcement effectively started the countdown to the end of LIBOR.

        7. How can I see when my homeowner's insurance is paid from my mortgage escrow?

          You can find information about payments for your homeowner’s (hazard) insurance in Mortgage Manager, within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

          To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.

          To find a specific payment amount during a time period you select, go to My Home on the top menu and choose Payment History. Select a date range to see what payments have been made during that time.

        8. How can I get more information about an unfamiliar charge on my credit card?

          If you see an unfamiliar charge on your credit card, and you want to obtain more detailed information, please call 1-800-558-3424.

        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.