First Midwest BankFirst Midwest Bank logoArrow DownIcon of an arrow pointing downwardsArrow LeftIcon of an arrow pointing to the leftArrow RightIcon of an arrow pointing to the rightArrow UpIcon of an arrow pointing upwardsBank IconIcon of a bank buildingCheck IconIcon of a bank checkCheckmark IconIcon of a checkmarkCredit-Card IconIcon of a credit-cardFunds IconIcon of hands holding a bag of moneyAlert IconIcon of an exclaimation markIdea IconIcon of a bright light bulbKey IconIcon of a keyLock IconIcon of a padlockMail IconIcon of an envelopeMobile Banking IconIcon of a mobile phone with a dollar sign in a speech bubbleMoney in Home IconIcon of a dollar sign inside of a housePhone IconIcon of a phone handsetPlanning IconIcon of a compassReload IconIcon of two arrows pointing head to tail in a circleSearch IconIcon of a magnifying glassFacebook IconIcon of the Facebook logoLinkedIn IconIcon of the LinkedIn LogoXX Symbol, typically used to close a menu
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Suggested Search Terms

    Suggested Search Terms

      Search for Open a Checking Account

        222 results found

        1. 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.

        2. When using an Allpoint ATM, why did I receive a message screen saying I would be assessed a surcharge fee?

          First, if you receive such a message and are an Old National client, be assured that you will not actually receive a surcharge. Due to technical limitations of certain types of ATMs, Allpoint is currently not able to prevent the “surcharge warning message” screen from appearing in some cases. You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e. the withdrawal amount on your receipt will show $20, $40, $60 as opposed to $23.50, $43.50, $63.50, etc. shown when you pay a surcharge).

          If you believe you received a surcharge in error, please contact Old National Client Care at 1-800-731-2265.

        3. How can I access my business credit card online?

          If you already have a business or commercial credit card through Old National, you can log in to that account on our business credit card page. Just click or tap the blue Access Your Account button. You can also access your account directly.

        4. To submit a notice of error or request for information about my loan, do I have to write a letter, or can I instead call Old National or visit a banking center?

          We are happy to continue to service your account through email, phone and our banking centers. However, we encourage you to submit any notices of error or requests for information in writing to:

          Old National Bank
          Attn: Client Success
          P.O. Box 143
          Evansville, IN 47701

          Written communication ensures that you receive all the protections under the Real Estate Settlement Procedures Act (RESPA).

        5. What is Mobile Deposit and how do I use it?

          Mobile Deposit is a feature within Digital Banking that allows you to deposit checks by using your phone's camera.

          To use Mobile Deposit

          • Log in to your Mobile App.
          • At the bottom of the screen, choose Check Deposit.
          • In the "To" section, select the account you want to deposit to and enter the amount.
          • Endorse the check by signing your name on the back. Then print For Mobile Deposit Only, or check the mobile deposit box if available.
          • Select the photo icon and capture an image of the front and back of your check.
          • Verify the information and select Deposit.

          You will receive an email confirmation once a Mobile Deposit has been submitted. A second email will be generated when the deposit has been reviewed to let you know the status of the deposit. An approval email does not guarantee that the funds are available immediately. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

          Tips for using Mobile Deposit

          • Take photos in a well-lit area
          • Place check on a dark surface
          • Be sure only the check is in the photo (no fingers holding the check)
          • Make sure the whole check is visible in the guidelines; leave a small amount of space between the guidelines and the edges of the check
          • Give the camera time to focus before taking the photo; being too close can make the check image blurry
          • Tap the center of your screen to get a clear picture
          • Make sure the check isn't folded or torn

          If you need assistance with using Mobile Deposit, please call Client Care at 1-800-731-2265.

        6. Does Old National offer foreign currency exchange services?

          Yes. We buy and sell select foreign currencies at any of our banking centers. This service is available only to Old National clients.

          For next-day service, you can visit any of our banking center locations. Orders are debited from your checking, savings or money market account. In addition, when you return from your trip, you can exchange leftover paper currency at any Old National branch.

          For more information, visit our foreign currency page.

        7. What is a notice of error regarding the servicing of my loan?

          A notice of error is a written notice from you that details error(s) you believe have been made relating to the servicing of your loan. Your notice must include:

          • Your name
          • Your loan number and/or property address associated with the loan
          • Details about the specific error you are disputing and/or information you are requesting

          Only errors related to the servicing of your loan secured by your home are covered through this process (excluding open-ended lines of credit).

          Where to send a notice of error
          Please mail all notices of error to:

          Old National Bank
          Attn: Client Success
          P.O. Box 143
          Evansville, IN 47701

          We do not charge a fee for responding to notices of error.

        8. If I receive a stimulus check instead of direct deposit, how can I deposit it?

          In addition to visiting a banking center, there are a number of ways you can deposit your stimulus check or any check.

        9. 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.
        10. How do I schedule an appointment to visit a banking center?

          You can schedule an appointment with your local banking center, by calling the location directly or making an appointment online through our website.

          If you need to find a nearby location, with phone number and hours, you can do so through our locator at oldnational.com/locations. Each banking center on our locator also has a Make an Appointment button for online scheduling.

          Note: Currently, we are not able to use online scheduling to make appointments for Commercial Banking, Wealth Management, Investments or Mortgage Lending. To schedule an appointment with one of these areas, please call the appropriate number below: