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1. Where do I send Text Banking commands?

   Text Banking commands should be sent to 454545. You should add 454545 to your mobile contacts and save it under Text Banking. Also, Text Banking commands should only be sent via SMS or text messaging on your mobile device. They cannot be sent through Facebook Messenger, WhatsApp or other chat apps.

   Here is the information you can obtain by sending the following text commands:

   • BAL – Balance for primary account in Text Banking
     • Your text will include both the Current and Available balances.
   • BAL ALL – Balance on all accounts within Digital Banking
     • Your text will include only the Current balance which is the balance as of the end of the previous business day. It does not include transactions that are pending or on hold.
   • LAST – Last 5 transactions for primary account in Text Banking
   • TRANS (amount) ex. TRANS 200 – Transfer funds to primary account from secondary account in Text Banking
   • STOP – Deactivate service
   • HELP – Help keywords

   Visit our Text Banking page for more information.

   For assistance with Text Banking, please call Client Care at 1-800-731-2265.

2. Buying Or Selling A Home? Here’s What You Need To Know About Contract Contingencies
   If you’ve ever bought or sold real estate, you’ve probably heard of contingencies. In the most basic terms, a contingency is a specific requirement that must be met in order to make a real estate contract final.
3. Real-Life Finance Podcast #18 | Making 529 Plans Less Intimidating
   Listen now, wherever you get your podcasts.Hosted by Old National Bank Financial Empowerment Director Ben Joergens, each Real-Life Finance episode
4. When will the check I deposited through Mobile Deposit be available?

   Checks deposited using Mobile Deposit are available for withdrawal based upon our typical funds availability policy. 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.

   Checks written from an Old National account:
   If you submit a check written from an Old National account through Mobile Deposit by the 8pm cut-off time, Monday through Friday (excluding holidays), the deposit will be available the same day. In other words, it will be credited to your account and available to cover checks or other debits being processed that night.

   Checks written from an account at a bank other than Old National:
   If made by the 8pm CST Mobile Deposit cut-off time, Monday through Friday (excluding holidays), these deposits will typically be available the next business day. This means these funds will not be available to cover checks or other debits processed that night. In some cases, an extended hold may need to be placed on a mobile deposit, meaning funds will not be available the next business day. 

   Viewing your mobile deposit
   You should be able to view your mobile deposit in your Digital Banking transaction history within one to two business days of your deposit.

   If you have questions about your Mobile Deposit, please call Client Care at 1-800-731-2265, or take the check into an Old National banking center.

   ATM Deposits
   As an alternative to Mobile Deposit, many of our ATMs also accept deposits. When viewing our Branch and ATM locator and select the ATM filter.

5. What is direct deposit?

   Direct deposit is when you have a regular payment, such as a paycheck or a social security payment, deposited directly into your bank account rather than receiving a physical check.

   There are several benefits to direct deposit: it’s more secure than a physical check, since it can’t be lost or stolen; it arrives in your account more quickly than a physical check would arrive via mail; and, you don’t have to spend time depositing your physical check.

   If you’re interested in setting up direct deposit to an Old National account, we have direct deposit instructions.

6. Empowerment Loan Program
   This program offers access to capital for small businesses that may not qualify for credit under traditional underwriting guidelines.
7. What is a Trusted Contact? Do You Need One?
   If you’ve not heard of the idea of a “trusted contact” for your brokerage account, you’re not alone. It’s a relatively new concept: In 2018, the
8. How do I change my personal information for my loan?

   To change your mailing address, Old National offers several options:

   • Within Online Banking, go to My Settings. Click on How do I update this next to your address. This will take you to the Online Banking email box for you to send us a message requesting the change.
   • You may visit any Old National banking center and provide an updated photo ID or utility bill that contains the new address.
   • Download a Personal Address Change Form

   To change your phone number or email address:

   • Within Online Banking, go to My Settings and click Edit next to either your phone number or email address to update this information.
   • You may also visit any Old National banking center or call Client Care at 1-800-731-2265.

   Please note that changes can only be applied to the information for the person requesting the change. If there are additional people listed on the account, those individuals will need to request updates for their own information.
   

9. Can my mortgage payment automatically be drafted from my checking or savings account?

   Yes, mortgage payments can be automatically drafted by signing up for our Autopay service or Flexible Payments (Biweekly Drafting) service within Mortgage Manager.

   With Autopay, your mortgage payment draft will occur on the specified date each month or the next business day if the specified day is a non-business day.

   With Flexible Payments, a borrower is allowed to make half-payments every two weeks and apply these payments as a full monthly payment once a month.

   The following information will help you in setting up automatic payments:

   • Enroll in Autopay - How to Enroll in Autopay guide
   • Set up Flexible Payments - To learn more on how to enroll contact Mortgage Servicing at 1-866-853-3277.

   While Mortgage Manager is the simplest way to set up automatic payments, you can also download and return the Mortgage Loan Auto Pay form. This form can be returned to a banking center, mailed to PO Box 3789, Evansville, IN 47736 or emailed to mortops@oldnational.com to set up automatic payments.

   If you need assistance setting up an automatic loan payment or want us to mail an auto pay form to you, please contact Mortgage Servicing at 1-866-853-3277 or visit any Old National banking center.

10. What is the meaning of ACH transactions or transfers?

    ACH stands for Automated Clearing House. These transactions are made through a nationwide electronic network that facilitates the transfer of funds between U.S. financial institutions. You can either receive an ACH credit to your account or have an ACH debit taken from your account.

    While this may seem complicated, you could already have experience with ACH transfers. For example, if you’ve ever set up direct deposit for your paycheck, you’ve been paid via ACH transfer, also known as receiving an ACH credit.

    If you’ve ever paid a bill by providing your bank account and routing number, you’ve made a payment via ACH transfer, also known as having an ACH debit taken from your account.

    The benefit of ACH transfers is their speed and reliability compared to paper checks. If you’d like to use your Old National account for ACH debits or credits, our routing number is 086300012.