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1. How do I know what a monthly mortgage payment will be?

   Your monthly payment will depend on a number of factors, even beyond the price of the home and your down payment. You’ll also need to take into account taxes, insurance and any other fees included in the payments, as well as loan details like the length of the loan and the interest rate.

   While your payment will be determined based on the specifics laid out in the mortgage, you can estimate the amount of a mortgage payment by using our helpful mortgage-payment calculator.

2. 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.

3. Is there a charge to use Mortgage Manager?

   Old National Mortgage Manager is a free service for Old National Mortgage clients. All you have to do is have Online Banking.

   If you don't currently have Online Banking and want to enroll, see our FAQ: How do I enroll in Online Banking and Mobile Banking?

   Please note that you will need your Mortgage Loan Account Number to get started in Mortgage Manager.

   Visit our Mortgage Manager page to learn more and find guides for using Mortgage Manager.

4. Am I eligible for an SBA loan?

   SBA lenders and SBA loan programs have different eligibility requirements. However, there are some basic requirements:

   • Location: Your business must be physically located and operate in the U.S.
   • Business type: Your business must be for-profit and in an eligible industry.
   • Investment: You, as the business owner, must have invested time or money into the business.
   • Size: Only small businesses qualify. The definition of a "small business" is based on number of employees or average annual receipts. Size standards information can be found on the sba.gov website.
   • Loan application history: You must not be able to get more traditional financing at favorable terms.

   You should also be able to demonstrate your ability to repay the loan and have a sound business purpose and plan.

   To learn more about SBA loans at Old National, please visit our SBA Loans website page.

5. What can I do in Digital Banking?

   With Digital Banking, you can bank anytime and anywhere that you have access to the Internet. The following are some of our Digital Banking features:

   Mobile Deposit
   Deposit a check safely and securely with your smartphone.

   Transfers
   Transfer money from accounts you have at other financial institutions to your Old National account, including loan payments. Or transfer money between your Old National accounts.

   Bill Pay
   Pay bills easily from Digital Banking. Set up who you want to pay, when and how much. Payments are deducted from your checking account and sent to payees for you.

   eStatements
   View, download and print an electronic version of your statement.

   Money Management^TM
   See all your financial accounts in one place, including those at other financial institutions. Track and analyze your total spending, loans and investments.

   Zelle^®
   Zelle^® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

   Text Banking
   Use simple text commands to check account balances, transfer funds between accounts and view recent transaction history.

   Card Controls
   Manage your debit cards to immediately turn off your card or to set transaction limits and alerts. 

   How to enroll in Digital Banking

   When you open an Old National checking account in a banking center, you can be enrolled in Digital Banking immediately.

   When you open an Old National checking account in a banking center, you can be enrolled in Digital Banking immediately.

   If you open a new Old National account online, you can enroll in Digital Banking immediately.

   You are able to access a mobile version of Digital Banking via your smartphone; however, for the best experience we suggest that you download our mobile app.

   There is no charge for use of Digital Banking, including the Mobile App.

6. How does a sub-user activate their account for Shared Access?
   As a subuser, you have the ability to access another person's account, based on the entitlements granted to you. 
   
   The primary user will setup your access. 
   
   You will be sent an email with your temporary password to the email address the primary user setup and a second email with your temporary ID. 
   
   Within 30 minutes of receiving the email, click on the link to complete the setup. 
   
   Read and accept the terms and conditions. 
   
   Verify your identity by receiving a call from the phone number provided by the primary user. 
   
   Setup a new password. 
   
   Once logged in, if you want to change your ID, click My Settings and Edit User ID. 
   
   If you forget your password or have questions regarding your access, please contact the primary user.
7. How can I see when property taxes are paid from my mortgage escrow?

   Payment information for property taxes is available in Mortgage Manager within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.

   To see when future payments will be made, Select the drop down arrow located next to the escrow item and it will expand with detailed information.

   Property tax payments are also reflected in your year-end statement, to be mailed by January 31.

8. What is mortgage pre-qualification?

   Mortgage pre-qualification enables you to begin the application process and gain helpful information even before you start looking at homes. 

   With pre-qualification, you’ll know how large of a mortgage you can may qualify for, which means you’ll know what pricepoint you’ll be looking in. You’ll know your spending limit, and will also be a more attractive buyer to sellers (because they will know you’ll be able to receive the financing you need to buy the property).

   While pre-qualification isn't actual approval, it can help speed up the approval process when you find the perfect home. Getting pre-qualified is quick and easy, and you can have an answer in minutes.
   
   Talk to a mortgage expert about getting pre-qualified.

9. How can I report a lost or stolen debit card?

   You can report your lost or stolen Old National debit card 24-hours a day by calling 1-800-731-2265, option 2, in the US. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your debit card, check for unauthorized transactions and order a new debit card for you.

   If you notice unauthorized activity on your debit card through Online and Mobile Banking, you can turn your card off right away with the Card Controls feature in Online Banking and the Mobile App.

   Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report the unauthorized activity on your card and obtain a new one.

10. What are the different types of ownership for a business?

    The most common structures for a business are Sole Proprietorship, Limited Partnership, Limited Liability Partnership, Limited Liability Company, S-Corporation and Corporation.