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1. 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.

2. What is a mortgage escrow account?

   Your mortgage escrow account makes it easier to manage your mortgage payment along with property tax and insurance premium payments for your home. You don’t have to save for taxes and insurance separately, because your escrow account enables you to make one monthly mortgage payment for all. When you make a mortgage payment, part goes toward your mortgage to pay your principal and interest. The other part goes into your escrow account for property taxes and insurance premiums (for example homeowners insurance).

   When your property tax or insurance bills are due, Old National pays those for you using the funds that have built up in your escrow account.

   You can view your escrow account information within Mortgage Manager.

3. How can I find fee free ATMs?

   With your Old National debit/ATM card, you can use any Old National or Allpoint ATM with no fees. (Please be aware that Old National charges a $2.50 fee when you use a non-Old National Bank or non-Allpoint ATM.)

   You can find Old National and Allpoint ATMs near you by using the locator on oldnational.com. When searching, select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find your nearest ATMs.

   The Allpoint ATM network provides 55,000 surcharge-free ATMs 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.

4. What if I want to send money to someone whose financial institution doesn't offer Zelle?

   You can find a full list of participating banks and credit unions live with Zelle^® here.

   If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

   To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

5. Where can I find rates on the website?

   Currently, most deposit and loan rates are not listed on our website, as it is best for us to discuss your specific needs and the best options available to you. Please visit a banking center near you.

   We do provide our latest mortgage rates online. Visit our Mortgage Purchase Rates page or our Mortgage Refinance Rates page, depending on your needs.

6. What is Partnership Banking?

   Partnership Banking is an exclusive program for employees of member businesses. As a Partnership Banking member, your company can offer special perks and services geared to help your employees save money and achieve their financial goals.

   To learn more about offering this program, visit the Partnership Banking page on our website, call us at 1-800-731-2265 or visit a banking center.

7. How do I set up a recurring transfer in Digital Banking?

   From a Web Browser
   To make a recurring transfer, 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.

   Here you can select the accounts and date, and type in the amount you would like to transfer.

   To create a recurring transfer, check the Repeat box next to the date.

   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, just hover over Move Money in the main navigation and click View scheduled transfers.

   The Scheduled Transfers page will display all scheduled transfers, and allow you to make a transfer or cancel a previously scheduled 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. Now you can choose to Print this receipt, Make another transfer, or Exit by clicking Go to My Accounts.

   On the Mobile App
   Recurring transfers can be viewed and cancelled in the Mobile App, but can only be setup and maintained from a web browser.

   • To view or cancel a recurring transfer in the mobile app, tap Transfers.
   • Tap Schedule.
   • If you wish to cancel, tap Scheduled Transfer and then Cancel Transfer.
   • Tap Yes to confirm.
8. Why was I charged a paper statement fee?

   Some Old National accounts require the use of electronic statements or eStatements to avoid a monthly paper statement fee. This would have been disclosed when the account was opened. If you disable eStatements for Student Checking, Everyday Checking or Personal Plus accounts, there will be a paper statement service charge of $3 per month. Disabling eStatements for certain Health Savings accounts will result in a paper statement service charge of $2 per month.

   You can enroll in eStatements, and select the accounts for which you want to receive eStatements, through Online Banking or the Mobile App. Just follow these simple steps:

   In Online Banking

   • Log in to Online Banking.
   • Click eStatement Preferences under eStatements and check the box next to the account(s) for which you want to receive eStatements. If the box is already checked when you navigate to this page for the first time, please uncheck and re-check the box to ensure your preference is correctly saved.
   • Read the Electronic Statement Authorization Agreement (eStatement Terms and Conditions).
   • Enter the six-character Confirmation Code in the box and hit Continue
   • Verify the email address where statement notifications should be sent and hit Accept.

   Enrolling in eStatements from our Mobile App is similar. Watch our tutorial on signing up for eStatements from your phone.

   When you enroll in eStatements, you will no longer receive a paper statement.

   If you have questions or need assistance, please contact Client Care at 1-800-731-2265.

9. How do I transfer funds in Digital Banking?

   Digital Banking

   To transfer funds between your Old National deposit accounts: Choose Move Money and Make a Transfer. This will enable you to transfer funds between Old National accounts only. You can choose your accounts, select today's date and complete the transfer at that time. You can also select a future date or setup recurring transfers. 
   
   To transfer funds to your account at another financial institution: Choose Move Money and then External Funds Transfers. Please note that when adding a new account at another financial institution, the account will need to be verified, meaning you may not be able to transfer immediately. 
   
   To transfer funds from an Old National checking/savings account to pay on an Old National loan: For personal loans other than mortgage loans, choose Move Money and Make a Transfer. Mortgage loan payments can be made through Mortgage Manager within Online Banking. (Visit our resource page for Mortgage Manager.) 
   
   To send money or receive money from another person:
   You can send, request or receive money with Zelle^®.

   To get started, log in to Old National’s Online and navigate to Move Money tab. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle^®.

   To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.

   To request money using Zelle^®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.
   
   To transfer funds from an account at another financial institution to pay an Old National Loan: Choose Move Money, then Loan Payment. You will be asked to add an account or you can choose Make Payment for established accounts. Please note that when adding a new account at another financial institution, the account will need to be verified, meaning you will not be able to transfer immediately. 

   Mobile App 

   To transfer funds between your Old National deposit accounts: Tap Transfers from the bottom of the screen. Select the To and From accounts and the amount to transfer. Mobile app transfers are effective the same day as long as it is done before the cut-off. 
   
   To transfer funds from an Old National checking/savings account to pay on an Old National loan: For personal loans other than mortgage loans, tap Transfers at the bottom of the screen. Select the T and From accounts and the amount to transfer. Transfers through the mobile app are effective the same day as long as it is done before the cut-off.
   
   Mortgage loan payments can be made through Mortgage Manager. 
   Tap Payment Center, then Manage & Pay Mortgage. Tap Pay to access Mortgage Manager. You can also setup automatic payments for your mortgage loan in Mortgage Manager. 
   
   To send money to another person:
   You can send, request or receive money with Zelle^®.

   To get started, log in to Old National’s Mobile App and navigate to Send Money With Zelle^®. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle^®.

   To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.

   To request money using Zelle^®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit Request. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.

   To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.
   
   To transfer funds from an account at another financial institution to pay an Old National Loan: Tap Payment Center, then Pay Loan. You will be asked to add an account or you can Make Payment with established accounts. 
   
   Please note that when adding a new account at another financial institution, the account will need to be verified, meaning you will not be able to transfer immediately. If you need assistance with transferring funds, please contact Client Care at 1-800-731-2265.

10. 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.