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4. What is a line of credit loan?

   A line of credit loan is a flexible loan that allows you to borrow what you need, as you need it, up to a set credit limit. As long as you follow your repayment terms, the loan remains open and you can borrow again. The most common example is a credit card, where you can continue to use it month after month, provided your account is in good standing. Other examples include Home Equity Lines of Credit (HELOCs) and revolving lines of credit for businesses.

   The contrasting loan type is a fixed loan, where you’re given a set amount of funds upfront, with the expectation that you repay the loan amount with interest over a set period of time. Once you’ve paid off the loan, there’s no opportunity to borrow again; you’d need to reapply for another loan. Common examples include mortgages, car loans and personal loans.

5. How can I find the phone number for a certain Old National branch?

   There are several ways to find the direct phone number for an Old National banking center by using our website locator or our Mobile App:

   On the website
   Visit oldnational.com/locations to go to our Branch & ATM locator page. Enter the following information into the Search box. 

   • To find a specific location, including phone number, enter the address (as much as you know), city and state of the location you are searching for. Select Search.
   • A listing of locations will be provided, and each location will include the direct phone number.

   In the Mobile App

   • Open the App on your device. You do not have to log in. At the bottom of the Login screen, select Locations. You can use the Search at the top of the screen to find a branch or ATM by address, zip code or city.
   • If you are already logged in to the Mobile App, go to More at the bottom right of the screen and then Locations under Contact Us.
   • Tap the map pin for the location you are searching for. Then tap the white box that appears to see the location phone number.

   Results of Location searches will be more accurate if you have enabled your mobile device to show your current location.

6. Is there a way to stop an automatic loan payment if I don't have funds in my account to cover it?

   We are not able to stop a single payment, but we can cancel the entire automatic payment service at your request. You can re-establish automatic payments when you are ready.

   Requests should be received at least 5 business days prior to the payment due date. 

   For mortgage loans:
   Requests to cancel automatic payments can be submitted within Online and Mobile Banking using Mortgage Manager. They can also be submitted by completing our Mortgage Loan Auto Pay form and either returning it to a banking center or mailing it to PO Box 3728, Evansville, IN 47736.

   For all other personal loans:
   Requests to cancel automatic payments can be submitted by completing our Consumer Loan Auto Pay form and either returning it to a banking center or mailing it to PO Box 3728, Evansville, IN 47736.

   Please note that late payment fees may apply if we do not receive your loan payment by the due date.

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

7. Can I use ATMs that are not Old National or Allpoint ATMs?

   Yes. Your Old National ATM/debit card will work at all ATMs. However, doing so may result in several fees.

   Surcharge fees
   Out of network ATMs (ones that are neither Old National nor Allpoint) may assess you a surcharge fee. An ATM surcharge fee is the fee an owner of an ATM charges cardholders from other financial institutions who use their machine. In other words, if you have an Old National debit card and use it at another bank's ATM, that bank may assess a surcharge.

   Foreign fees
   For most types of checking accounts, Old National will charge a $3.00 "foreign" ATM fee (on top of any ATM owner surcharge) if you use a non-Old National Bank or non-Allpoint ATM. 

   To ensure fee-free ATM usage, we recommend always using an Old National or Allpoint ATM when possible. To find an Old National or Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find both Old National and Allpoint ATMs.

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9. 3 Ways Your Credit Card Protects You From Identity Theft
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10. Tips for CFOs seeking tariff refunds
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