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        1. What types of payments can I make with Zelle®?

          Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

          Since money is sent directly from your bank account to another person's bank account within minutes,2 Zelle® should only be used to send money to friends, family and others you trust.

          Neither Old National nor Zelle® offers a protection program for any authorized payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

          1 Must have a bank account in the U.S. to use Zelle®.
          2 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

        2. What is the "Pending" transaction in my Digital Banking transaction history?

          When you see “Pending" transactions in your Digital Banking history, it can represent two different types of activities on your account:

          ATM or Debit Card Transactions
          This "Pending" transaction could be a recent ATM or Debit Card transaction that has not yet posted to your account. For example, it could be an ATM withdrawal or a Debit Card purchase you made from a merchant. You will be able to see specific details, such as the name of the store where you made a purchase, after the transaction has posted to your account. 

          Certain Deposits
          A "Pending" transaction can also be a recent deposit which has checks or other items from a bank other than Old National and are, therefore, not available for you to immediately withdraw. This type of transaction will show under "Pending," as both a deposit and as a withdrawal, until Old National collects the funds from the other bank. Once these funds are collected, they will become part of your available balance and will no longer show as a withdrawal on your account. This could be as soon as the next business day after your deposit is made, but in some instances it may be longer.

          To obtain additional details about "Pending" transactions, you can contact Client Care at 1-800-731-2265.

        3. Who can I send money to with Zelle?

          You can send money to friends, family and others you trust.1

          Since money is sent directly from your bank account to another person's bank account within minutes,2 it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

          1 Must have a bank account in the U.S. to use Zelle®.
          2 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

        4. After I submit a notice of error about my loan, how long will it take for me to hear back from Old National?

          Within 5 business days from when we receive your request, we will mail you a letter to let you know that your request was received.

          Then, within 30 business days after we receive your request, we will mail you a letter providing details on the outcome of our investigation. If we agree that an error has occurred, the error will be corrected and this will be included in our response.

          Please note that if the error relates to providing an accurate payoff balance, we will respond within 7 business days.

          If we determine that an error has occurred, we will mail you a letter explaining:

          • The correction that was made
          • The date confirming when the correction was made
          • Information about how you can contact us if you need further assistance

          If we discover that no error took place, we will mail you a letter explaining:

        5. That no error occurred
        6. The reason(s) for that determination
        7. Details about your right to ask for the documents we reviewed to determine that no error took place and how to submit that request
        8. Information about how you can contact us if you need further assistance

          9. Please note that if we determine that additional time may be required to properly research your request, we may extend the review period by 15 business days. If this extra time is needed, we will mail you a letter before the end of the 30 business-day review period to let you know. The letter will explain the reasons why the extended review is necessary.

      • When will my monthly mortgage billing statement be sent out?

        Our system automatically generates a new mortgage billing statement immediately after you make a payment. This enables you to receive your mortgage billing notice 10-15 days sooner, and it provides verification that your most recent payment has been posted to your account.

      • 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.

      • 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.

      • What changes can I expect inside the banking center?

        Our banking centers are open. Appointments are accepted and encouraged.

        • Masks: Consistent with CDC guidance, we ask those not fully vaccinated to please wear a facemask while in the banking center. Please note that we may ask for additional verification due to mask wearing.
        • Shields and dividers: You also may notice Plexiglass shields and dividers at teller windows and other areas where you may interact with our team members.

        Please visit our locator for the status and hours of a specific location.

      • When will my deposit be available?

        Funds deposited to your account will be available to you, based on several factors we have listed below.

        A check written from an account at a bank other than Old National:
        Will not be available until the next business day (if it was deposited by the close of business and there are no holds placed on the checks). This means these funds will not be available to cover checks or other debits processed that night. An extended hold also may be needed. You will be notified if an extended hold is placed on the deposit.

        A check written from an account at Old National:
        Will be added to your account and will have same-day availability (if it was deposited by the close of business). This means these funds will be available to cover checks or other debits processed that night.1

        Cash or Direct Deposit (e.g. payroll, Social Security):
        Will be available the same day as deposit.1


        1 Deposits of this type made at an ATM or by mobile deposit prior to daily cutoff times are credited to your account and available to cover checks or other debits being processed that night.

      • 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.