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Updated August 2026.
How much is Old National Bank’s overdraft fee? Old National Bank charges $36 for each item it pays into overdraft, capped at 2 fees a day, but only if your account is overdrawn by more than $25. Old National does not charge a separate NSF fee for items it returns unpaid.
| Old National Bank overdraft, at a glance | What it means |
|---|---|
| Paid NSF/Overdraft Item fee | $36 per item, up to 2 per day |
| No-fee cushion | No fee unless overdrawn by more than $25 |
| Returned-item (NSF) fee | $0. Not charged when Old National declines an item |
| Daily Overdraft fee (extended negative balance) | $7 per business day, starting on day 7 of a continuous negative balance, up to 5 days |
| Overdraft Courtesy | Automatic on most checking accounts, no cost unless used |
| Overdraft Protection (linked account) | Free transfers from a linked checking, savings, money market account, or line of credit |
Fees verified August 31, 2026 from Old National Bank’s Overdraft Solutions page and Old National’s overdraft coverage FAQ.
How Old National Bank’s overdraft fee works
Old National charges a Paid NSF/Overdraft Item fee of $36 for each item that overdraws your account by more than $25, capped at 2 fees per day. This comes through Overdraft Courtesy, a service included automatically on most Old National checking accounts that costs nothing unless you actually use it.
The $25 cushion
Old National will not charge the $36 fee unless your account becomes overdrawn by more than $25. Staying within that $25 window on a tight day means no fee applies. Old National also states directly that it does not charge an NSF fee for items it declines or returns unpaid, only for items it actually pays into overdraft.
The extended negative balance fee
If your account stays overdrawn by more than $25 for 7 or more consecutive business days, Old National begins charging a separate $7 Daily Overdraft fee for each business day the account remains overdrawn, starting on day 7, for up to 5 additional business days.
Overdraft Protection
You can link another Old National checking, savings, or money market account, or a line of credit, to your checking account. If a transaction would overdraw the account, Old National transfers exactly the amount needed from the linked account, at no charge for personal accounts (business analysis accounts pay $5 per transfer). Items not fully covered by the linked account’s available balance may still be paid or returned at the bank’s discretion, with normal overdraft fees applying to any uncovered portion.
How Old National Bank compares to the average U.S. bank
Bankrate’s 2025 checking account and ATM fee study found the average overdraft fee across U.S. banks is $26.77 and the average NSF (non-sufficient funds) fee is $16.82. 61% of accounts surveyed still charge an overdraft fee at all, and 66% offer some kind of grace period or no-fee cushion before charging one.
| Category | Old National Bank |
|---|---|
| Overdraft fee vs. $26.77 average | $36 per item, above the $26.77 average |
| NSF fee vs. $16.82 average | $0, well below the $16.82 average |
How to avoid overdraft fees and mistakes
- Stay inside the $25 cushion to avoid the fee entirely.
- Fix a negative balance within 6 business days to avoid the extended $7-a-day Daily Overdraft fee.
- Link a savings or money market account for free Overdraft Protection transfers.
- Set up account alerts through Old National’s digital banking.
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How this compares to other banks
Here is how this account lines up against a few named banks we track, using each bank’s own current fee schedule.
| Bank (typical account) | Overdraft fee | No-fee cushion |
|---|---|---|
| Old National Bank | $36, up to 2/day | $25 cushion, no NSF fee |
| UMB Bank | $36, up to 4/day (not debit) | $5 cushion, debit card never overdrawn |
| Huntington (Asterisk-Free) | $15, up to 3/day | $50 Safety Zone + 24-Hour Grace |
| Chase (Total Checking) | $34, up to 3/day | $50 buffer + Overdraft Assist |
| Ally Bank (Spending Account) | $0, none charged | No cap needed |
See fee details for more banks in our overdraft fees by bank comparison page.
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FAQ
How much is Old National Bank’s overdraft fee?
Old National charges $36 per item for overdrafts of more than $25, capped at 2 fees per day.
Is there a cushion before Old National charges an overdraft fee?
Yes. No fee applies unless your account is overdrawn by more than $25.
Does Old National Bank charge an NSF fee?
No. Old National does not charge a fee for items it declines or returns unpaid, only for items it actually pays into overdraft.
What is Old National’s extended negative balance fee?
A $7 Daily Overdraft fee for each business day your account stays overdrawn by more than $25, starting on the 7th consecutive business day, for up to 5 additional days.
Does Old National Bank charge for overdraft protection transfers?
No. Transfers from a linked checking, savings, money market account, or line of credit are free.
Do I need to sign up for Old National’s Overdraft Courtesy?
No. It comes automatically with most Old National checking accounts and costs nothing unless you actually use it.
