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1. 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.

2. 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.

3. 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.

4. Do you have any guides to assist me with using Mortgage Manager?

   We have several guides to walk you through step-by-step.

   • How to Make a Mortgage Payment
   • How to Sign Up for eStatements
   • How to Enroll in Autopay
   • How to Access Statements
   • How to Access Online & Mobile

   You will find additional information on the Mortgage Manager page.

   If you have questions or need additional assistance, you can contact Mortgage Servicing at 1-866-853-3277 or visit any Old National banking center.

5. On what holidays are Old National banking centers closed?

   Typically, Old National holiday closings occur when the Federal Reserve is closed. Following are holiday closings for 2025:

   • New Year's Day, January 1
   • Martin Luther King Jr. Day, January 20
   • Presidents Day, February 17
   • Memorial Day, May 26
   • Juneteenth, June 19
   • Independence Day, July 4
   • Labor Day, September 1
   • Columbus/Indigenous People Day, October 13
   • Veterans Day, November 11
   • Thanksgiving Day, November 27
   • Christmas Day, December 25

   We update our website to notify clients of upcoming holiday hours the week prior to any holiday closings. View our banking center locator to find a location near you.

6. What is the timing for the discontinuance of LIBOR?

   There are two main deadlines for the discontinuance of LIBOR. First, the banking regulators including the Office of the Comptroller of the Currency (OCC), the Federal Reserve Bank (Fed) and Federal Deposit Insurance Corporation (FDIC), had directed banks to stop using LIBOR in new financial contracts as soon as practicable, but no later December 31, 2021. Secondly, for all existing contracts that mature after June 30, 2023, LIBOR will need to be replaced with a new benchmark interest rate.

7. What are the replacement rates for LIBOR?

   Although options for replacing LIBOR continue to evolve, Old National has currently identified the following potential replacement options for our clients:

   1. Secured Overnight Financing Rate (SOFR)
   2. Term SOFR

   The Secured Overnight Financing Rate or SOFR is the replacement benchmark recommended by the New York Federal Reserve’s Alternative Reference Rate Committee (ARRC). (See references below for more information on the work of the ARRC.) SOFR is derived from transactions that are executed in the overnight repurchase agreement (repo) market. These transactions are executed between banks and other intermediaries and are often collateralized by US Treasury securities. The market for SOFR is very deep and liquid with nearly $1 trillion in underlying transactions executed daily. 

   While SOFR has been identified as the replacement index for LIBOR, there are multiple calculation methodologies which have been developed given that SOFR is a daily rate. The CME Term SOFR Reference Rates benchmark is a daily set of forward-looking interest rate estimates based on the SOFR futures contracts. CME Term SOFR Reference Rates are calculated and published for 1-month, 3-month, 6-month and 12-month tenors. Like LIBOR, CME Term SOFR Reference Rates are forward-looking, and the rate is set at the beginning of the period and interest is paid in arrears.

8. Do I need to inform Old National of damage to my home or vehicle?

   Yes! If you have damage to property that is financed through Old National, we need to be an active part of your insurance claim process. Your loan with us is based on your home, vehicle or other property value, so we want to ensure it is repaired and the value maintained.

   The process for reporting property damage differs based on the type of property, so we have developed the guides below to assist you:

   Home mortgages

   • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including where to report damage to your home.
   • Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

   Consumer loans
   For consumer loans, such as a vehicle or boat, quick home refi, home equity loans, including second mortgages, please use our Guide to Insurance Claims for Consumer Loans.

   Commercial loans
   For commercial or business property, contact your Old National Bank commercial lender for guidance.

9. What do I do if I received an unsolicited or suspicious email claiming to be from Old National?

   If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

   Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:

   • Awkward greeting or salutation
   • Typos
   • Incorrect grammar
   • Strange or unfamiliar links
   • Compelling or urgent language
   • Misspelled company name

   You are your first line of defense:

   • Stop before you click on links or attachments
   • Call the company using a phone number you know to be valid to confirm they sent the email
   • Don't reply
10. What paperwork do you need from me to endorse an insurance claims check?

    If you have damage to property that is financed through Old National, we will be an active part of your insurance claim process.The paperwork required and necessary steps differ based on the type of property. We have developed the guides you can download below to assist you:

    Home mortgages

    • Download our Guide to Homeowners Insurance Claims for an overview of the claim process, including documents you will need to provide and forms you should complete.
    • Please note: This guide outlines processing insurance claims checks for HOME mortgages only (e.g. conventional first mortgages).

    Consumer loans
    For consumer loans, such as a vehicle or boat, quick home refi, home equity loans, including second mortgages, please use our Guide to Insurance Claims for Consumer Loans. 

    Commercial loans
    For commercial or business property, contact your Old National Bank commercial lender for guidance.