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What Is a Routing Number and Why Is It Needed

A routing number is a nine-digit code used in the United States to identify financial institutions. Assigned by the American Bankers Association (ABA), routing numbers play a crucial role in processing various financial transactions between banks and credit unions. When you initiate a transaction such as a direct deposit, wire transfer, or bill payment, the routing number ensures the money reaches the correct institution.

The old national bank routing number is essential for connecting your personal or business account to external systems. Whether you’re receiving a paycheck via direct deposit or setting up automatic withdrawals to pay bills, the routing number ensures your transactions are processed efficiently and securely.

Each financial institution may have one or several routing numbers depending on its size, structure, and geographic distribution. In the case of Old National Bank, routing numbers are state-specific. Using the correct number for your location is vital to avoiding delays or failed transactions.

Routing Numbers of Old National Bank by State

Old National Bank serves multiple states across the Midwest and South, and it uses different routing numbers for different regions. Here's a breakdown of the most commonly used old national bank routing number listings by state or former institution integration:

• Indiana (Main Headquarters): 086300012
• Illinois (formerly First Midwest Bank): 071901604
• Kentucky: 083900680
• Michigan: 072401404
• Minnesota: 091900580
• Wisconsin: 075900575

Please note that these numbers may change based on mergers or internal updates. If your account was originally opened under a different bank that has merged with Old National Bank, your routing number may differ from the standard for your state.

Always verify your routing number using official channels, such as the bank's website, a recent check, or your online banking dashboard.

How to Find Your Routing Number in Online Banking and on a Check

If you're unsure of your routing number, there are several easy ways to locate it. Old National Bank provides multiple channels to help you access your routing information securely and conveniently.

Finding It Through Online Banking

• Log In to Your Account
  Access your account through the official Old National Bank website or mobile app.
• Select Your Checking or Savings Account
  From your account dashboard, choose the account you want to view details for.
• View Account Details
  Look for an option like “Account Info” or “Account Services.” Your routing number and account number will typically be displayed here.
• Use the Help Section
  If you’re having trouble locating it, use the search function or the support chat within the online banking system.

Finding It on a Paper Check

One of the most common and straightforward methods is to refer to a paper check linked to your account. At the bottom of each check, you will see three groups of numbers:

• First Group (9 digits): This is the routing number .
• Second Group (usually 10–12 digits): This is your account number .
• Third Group (shorter number): This is the check number .

Ensure that you’re reading the correct number by checking the label beneath or confirming it with the bank.

These methods are reliable and ensure you’re using accurate information for your financial activities.

Use for Direct Deposits and Automatic Payments

The old national bank routing number is essential when setting up or receiving direct deposits, automatic payments, or other ACH (Automated Clearing House) transfers. Here's how the routing number functions in different scenarios:

Direct Deposits

Direct deposit is a method of receiving funds directly into your bank account—commonly used for payroll, Social Security benefits, tax refunds, or pension distributions.

To enable direct deposit:

• Provide your employer or agency with your full name, account number, and routing number.
• Some organizations may require you to submit a direct deposit authorization form.
• Ensure your routing number matches the state or former institution where the account was opened.

This setup speeds up fund access and eliminates the need for paper checks.

Automatic Payments

Recurring payments such as utilities, loans, insurance premiums, or subscriptions often require banking details for ACH withdrawals. When you authorize a merchant or service provider to automatically withdraw payments:

• You'll provide your account number and routing number.
• Funds are pulled on the agreed-upon date, often without additional fees or manual input.

Routing numbers also play a vital role in scheduling monthly contributions to savings accounts, IRAs, or investment platforms. Their accuracy ensures consistency and prevents rejected transfers.

Wire Transfers

Although wire transfers sometimes use different codes, Old National Bank may still require your ABA routing number for incoming wires. For outgoing transfers, it’s best to contact customer service to confirm specific wire instructions.

In all cases, verify the routing number format before finalizing the setup.

Common Mistakes and How to Avoid Them

Using the wrong routing number can lead to transaction failures, delays, or even funds being sent to the wrong account. To prevent these issues, it’s important to be vigilant and aware of common mistakes.

Mistake 1: Using the Wrong State's Routing Number

Since Old National Bank has multiple routing numbers depending on your state, make sure you’re not using a generic or outdated number. This often happens when people relocate or use a friend’s account details as reference.

Solution:
Always use your own checkbook or online banking dashboard to retrieve your routing number.

Mistake 2: Confusing Routing and Account Numbers

On checks, the routing number appears first. Some customers confuse it with the account number and vice versa, especially when filling out forms manually.

Solution:
Double-check the label beneath each field on checks and forms, and verify through online banking before submitting.

Mistake 3: Using Old Numbers from Merged Institutions

If your account originated from a bank that merged with Old National Bank, the old routing number may no longer be valid for new transactions. However, some legacy systems may still support them temporarily.

Solution:
Contact customer support to confirm whether your routing number has changed due to mergers or upgrades.

Mistake 4: Inaccurate Entry During Online Forms

Typos or entering numbers in the wrong order are common when inputting information online.

Solution:
Always review entries before submission, especially for employer or tax agency documents.

Mistake 5: Not Verifying for Wire Transfers

Some banks use a different routing number for wire transfers versus ACH transfers. Using the wrong one can block the transaction.

Solution:
Contact Old National Bank directly or consult their website’s wire transfer section before initiating large transfers.

Preventing these errors will save you time, stress, and potential fees from failed or misdirected transactions.

Final Thoughts

Understanding and correctly using the old national bank routing number is essential for secure and efficient financial transactions. Whether you're setting up direct deposits, authorizing recurring payments, or transferring funds, knowing the right number for your state and account type is crucial.

Old National Bank’s multi-state presence means its routing numbers vary, and using the correct one ensures your funds move accurately and without interruption. With multiple methods to locate this information—from online banking to printed checks—you have convenient access to verify your details.

Take the time to double-check routing information, especially when dealing with new employers, service providers, or financial platforms. And remember, Old National Bank’s customer service is always available to assist with verification and troubleshooting.

By understanding how routing numbers work and how to use them properly, you’ll ensure smoother, faster, and more secure banking experiences every time.