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1. Does Old National offer overdraft coverage for checking accounts?

   In an effort to help you avoid returned checks or declined transactions, we provide protection services called Overdraft Courtesy and Overdraft Protection. These two services can also be used together for extra protection. Learn more about our Overdraft Solutions.

   Overdraft Courtesy
   Most Old National checking accounts come with Overdraft Courtesy. With Overdraft Courtesy, even if you don’t have enough available money in your checking account, we may still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as utility bills). Overdraft Courtesy does not cost anything unless you use it. If your account becomes overdrawn by more than $25, we will charge you a $36 fee for each overdraft item, up to 2 per day. You are responsible for paying the amount of any overdraft on your account immediately. If your account is overdrawn 7 or more consecutive business days, we will charge a $7 Daily Overdraft fee each business day the account is overdrawn by more than $25 (beginning on day 7), for up to 5 business days.

   Overdraft Protection
   Overdraft protection allows you to link your account to another Old National account. If you accidentally overdraft, we will draw the funds from your linked account. There is no annual fee for the Overdraft Protection service, and you can link to other Old National checking, savings, or money market accounts or a line of credit. The transfer amount will be the exact amount needed to cover the total overdraft amount at the end of each business day, provided your linked account has a sufficient available balance. If sufficient funds are not available in your linked account, we will transfer what is available. Any items not covered by the funds in your linked account will be paid or returned at the Bank’s discretion and applicable overdraft and other account fees may be charged.

   For business analysis accounts, an Overdraft Protection Transfer Fee of $5 is charged for each transfer from your linked account.

   To sign up for Overdraft Protection, or for more information about either service, please visit any Old National Banking or call Client Care at 1-800-731-2265.

2. 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.

3. How do I apply for a mortgage loan?

   You can apply for an Old National mortgage loan in several ways:

   Apply through our website

   1. Visit the Mortgage Loan Options page.
   2. If you prefer, you can also designate the mortgage lender you prefer to work with. In that case, go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of the mortgage loan officer you prefer to work with, select Apply Online.

   Call us
   You can also contact a mortgage loan officer directly to schedule an appointment. Go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of each mortgage loan officer, you will find a direct phone number.

4. If I have a notice of error or request for information about my loan, can I submit it on my payment coupon or other payment form?

   No, a notice on a payment coupon or any other payment form is not considered a notice of error or request for information.

   If you have a question or concern about a loan payment, please contact our Client Care Center at 1-800-731-2265. (Monday – Friday, 7am-6pm CT/8am-7pm ET and on Saturday, 7am-noon CT/8am-1pm ET).

5. What transactions can I complete at a drive-thru window?

   Most of your banking transactions can be completed through our drive-thru windows, including:

   • Check deposits
   • Standard withdrawals
   • Bill payments
   • Transfers
   • Loan payments

   Our Convenient Ways to Bank guide provides a list of the transactions you can complete in the drive-thru, as well as through other Old National channels.

   Use our locator to find your banking center and their direct phone number.

6. How can I cancel a pending mortgage payment?

   The easiest way to cancel or edit a scheduled mortgage payment is within Mortgage Manager. Follow the How to Make a Mortgage Payment guide and select Scheduled payments. There you will be able to edit or delete a pending payment.  

   For assistance in changing or cancelling a pending online payment, please call 1-866-853-3277 at least one full business day prior to the scheduled draft payment.

7. Why can't I see Mortgage Manager in my Online Banking?

   If you have an Old National Mortgage, and don't see Mortgage Manager in Online Banking, you may need to adjust your browser settings. You can find browser troubleshooting guides in our Mortgage Manager Resource Center.

   If, after adjusting your settings, you are still unable to see Mortgage Manager, please contact Mortgage Servicing at 1-866-853-3277.

8. How can I get a copy of a check in Digital Banking?

   Once a check you have written to make payment has cleared on your Old National checking account, you will automatically have an image of it within your Digital Banking transaction history.

   On a web browser

   • Sign in to Digital Banking, go to My Accounts and select the checking account the check was written on. Here you can narrow your search for the image of the check.
   • Under Account History, set the date range when the check cleared your account.
   • Next, under "Narrow by items containing," enter keywords to help you find a specific check. You can search by check payee, check number or check amount. You can also simply search by the word "check" to pull up all checks within your designated time frame.

   Once you have located the check image you are searching for, you can select it to open an image of the front and back of the check. Above the check, to the right, is a printer icon you can use to print a copy of the check.

   Mobile App

   • Within the Mobile App, go to Accounts and select the checking account the check was written on.
   • At the very top of the screen, you will see a Search box with the words Search transactions. Here you can enter the check number (if you know it). You can also simply enter the word "check," to pull up all checks that have cleared your account.
   • When searching for a check image within your Mobile App, you will not have the option to search by date range or as far back as you can within Digital Banking.
   • Once you find the check you are searching for in the Mobile App, tap it to open an image of the front of the check only.
   • From here, you can view or take a screenshot of the check image.

   If you have trouble locating your check image within Digital Banking, please contact Client Care at 1-800-731-2265.

9. 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.

10. 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.