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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. Why Financial Reporting is the Golden Ticket to Success in Any Business
          Business success can be attributed to a wide range of factors, especially since each business defines ‘success’ differently. For example, although
        4. Why am I receiving calls regarding my loan account being past due when I have a grace period?

          The grace period on your loan doesn't provide additional time beyond the due date to make a payment. The grace period only provides additional time before a late charge is assessed. If we don't receive your payment by the due date, it is considered late, and you may receive correspondence by phone or mail regarding the status of your payment.

        5. Can I open a checking account online?

          We do provide a way to open most checking accounts online. Go to our Compare Checking Accounts page, find the account that best suits your needs and select the Open Account button.

          We offer a variety of checking accounts to meet different needs. If you would like to talk to someone about the type of checking that would be best for you, please visit a banking center or call us at 1-800-731-2265.

        6. Jumbo Mortgage
          When your dream home has a higher price tag, talk to Old National about a Jumbo Mortgage. We offer fixed and adjustable-rate options.
        7. Savings Plus
          A savings account that includes an automatic savings plan, linked directly to your existing Old National accounts. Open our Savings Plus account today!
        8. Specialized Industries
          Old National Bank has experts who understand your specialized business banking needs: CRE, Franchise Banking, Agribusiness, Healthcare Finance, and more!
        9. Construction Loans
          Old National makes building a house easier, with our One-Step Construction Loan. Find your nearest mortgage lender or apply online now.
        10. Mortgage Loan Selector
          The Old National mortgage loan selector helps you choose the right option. Answer a few questions for a suggested mortgage type that matches your needs.