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1. What is mortgage refinancing?

   When you refinance your mortgage, you are essentially paying off your existing mortgage and replacing it with a new one. Mortgage refinancing can provide several benefits, including the opportunity to lower your interest rate, lower your monthly payment and pay off your loan earlier.
   
   Old National offers both the Quick Home Refi (QHR) and our standard mortgage refinancing product. You can learn more about each one and how to apply on our Mortgage Refinancing page.
   
   
   
   
   

2. How do I transfer funds between my Old National accounts?

   Transferring funds between your accounts is easy–whether you’re making a one-time transfer or scheduling recurring transfers. 

   One-Time Transfer
   To make a one-time transfer in the web browser, start by clicking the Transfer icon in the My Accounts section of your Digital Banking homepage or click on the Move Money tab, and select Make a Transfer. In the mobile app, tap Transfers. 
   
   Once on the transfer screen, you can select the accounts and date, and type in the amount you would like to transfer.
   
   You have the option to include a message, you may do so in the Memo section. 
   
   Click Make Transfer. 
   
   Take a moment to verify that your transfer details are correct, then click Confirm. 
   
   Once you have confirmed, we’ll let you know that your transfer is complete.

   Recurring Transfers
   Save time with scheduled, recurring transfers that automatically move money between your accounts. 

   To create a recurring transfer in the web browser, check the Repeat box. 
   
   Select the frequency, date and duration of your recurring transfers and click Save. 
   
   Your recurring transfer frequency will be displayed next to the Repeat box. Click the link if you would like to edit the schedule details, or click Schedule transfer to save. 
   
   To view your upcoming scheduled transfers in the web browser, just hover over Move Money in the main navigation and click View scheduled transfers. Or in the mobile app, tap Transfers, then Scheduled. 
   
   The Scheduled Transfers page will display all scheduled transfers and allow you to cancel a previously scheduled transfer.

3. Can I use my debit card(s) while traveling internationally?

   Yes, you can use your debit card internationally, but we recommend that you make some preparations before traveling:

   • Call Old National Client Care at 1-800-731-2265 or visit any Old National banking center to notify us of your travels before you leave. This will prevent your card from being blocked as a precaution due to unusual activity.
   • Mastercard^® continues to monitor your debit card for suspicious or fraudulent activity while you are traveling. They may attempt to contact you to verify activity on the card, so be prepared to respond to such a call.
   • Take phone numbers with you to report a lost or stolen debit card. Report your lost or stolen debit card 24-hours a day by calling 1-800-731-2265 in the US or 1-812-422-2197 from outside of the US.  
   • We strongly recommend that you take a second form of payment in the event your card(s) is lost or stolen.
   • Please note that when you use your debit card internationally, foreign transaction fees may apply. Old National clients do have access to the Allpoint ATM Network, which has overseas locations and provides access without additional bank surcharges. You can find international Allpoint ATMs by using the oldnational.com locator or our Mobile App locator. 

   If you have questions about using your debit card while traveling, please contact Client Care at 1-800-731-2265.

4. 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.

5. How can I find Allpoint ATMs?

   To find an Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "Allpoint Surcharge-Free ATM" filter. Just type a zip code or city/state into the locator Search box. 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.

   Allpoint is a network of 55,000 ATMs that provides Old National clients fee-free ATM access to their accounts.

6. What type of mortgage should I get?

   As with all financial products, the right mortgage is dependent on your individual needs and situation. It’s best to talk with a mortgage expert to determine which type of mortgage will work for you.

   Of course, that doesn’t mean you can’t educate yourself about the various types of mortgages that are available. You can start by viewing our many mortgage options.

   We also have extensive information about mortgages and homebuying available in our Financial Insights.

7. How can I get my 1098 tax information for my mortgage?

   We will mail your 1098 tax information to the mailing address you have on file with us. Please be aware that lenders have until January 31 to mail 1098 documents. Old National does not currently provide access to 1098 documents online.
   
   You can also view year-end tax information for your mortgage within Mortgage Manager.

   If you have not received or have misplaced your 1098, you can contact Client Care at 1-800-731-2265, Option 4, or visit any Old National banking center to request a copy.

8. Are there limits on how many times I can use an Allpoint ATM?

   Old National clients have access to an unlimited number of surcharge-free transactions at Allpoint ATMs.

   Please be aware that there are limits on the amount of cash you can withdraw daily from both Allpoint and Old National ATMs. The amount can vary between Allpoint locations, but most will allow you to withdraw between $200 and $400 in a single transaction. To learn your daily limit, please contact Old National at 1-800-731-2265.

9. What are the fees for an international Allpoint ATM transaction?

   If you use an ATM that is part of the Allpoint Network outside of the US, you will not incur any surcharges; however, Old National does charge a fee of 3% of the transaction for all international ATM/debit card transactions.

   Our oldnational.com locator as well as our Mobile App locator enable you to find international ATM locations. Just type the name of the city where you are looking for an ATM into the locator Search bar.

10. What is Mortgage Manager?

    Old National Mortgage Manager enables you to access and manage your Old National mortgage loan through Online and Mobile Banking. For example, you can securely do the following:

    • Receive your billing statement electronically
    • Pay your mortgage payment
    • Sign up for automatic monthly payments
    • Set up notifications that will keep you informed about your loan

    Mortgage Manager is a free service for Old National clients.

    Visit our Mortgage Manager page to learn more and find guides for using this service.