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1. Why Leaders Should Embrace The Returning Workforce Opportunity
   As countries around the world ease lockdown restrictions, few in the workforce believe there will be a return to ‘business as usual’. At best, organisations are hoping to settle quickly into the ‘new normal’. But as Blitz Studio CEO Melissa Hanley recently remarked, “Whatever the new normal is, it’s only going to be th
2. 3 mistakes that prevent you from hiring the best talent
   The people you hire can make or break the company. That’s a lesson I learned early on. I also learned that making the right hiring decision is hard. There are no easy yes-or-no questions to filter out candidates. These challenges make it easy to fall back on feelings and intuition when it comes to hiring.
3. The Importance of Websites for Business
   You might be surprised to know that nearly half of all small businesses don’t have a website. It’s almost impossible to overstate the importance of website ownership to businesses, large and small alike. The Internet gives even the smallest of startup companies a chance to connect with millions of potential customers.
4. Does Old National offer overdraft coverage for checking accounts?

   In an effort to help you avoid returned checks or declined transactions, we provide protection services called Overdraft Courtesy and Overdraft Protection. These two services can also be used together for extra protection. Learn more about our Overdraft Solutions.

   Overdraft Courtesy
   Most Old National checking accounts come with Overdraft Courtesy. With Overdraft Courtesy, even if you don’t have enough available money in your checking account, we may still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as utility bills). Overdraft Courtesy does not cost anything unless you use it. If your account becomes overdrawn by more than $25, we will charge you a $36 fee for each overdraft item, up to 2 per day. You are responsible for paying the amount of any overdraft on your account immediately. If your account is overdrawn 7 or more consecutive business days, we will charge a $7 Daily Overdraft fee each business day the account is overdrawn by more than $25 (beginning on day 7), for up to 5 business days.

   Overdraft Protection
   Overdraft protection allows you to link your account to another Old National account. If you accidentally overdraft, we will draw the funds from your linked account. There is no annual fee for the Overdraft Protection service, and you can link to other Old National checking, savings, or money market accounts or a line of credit. The transfer amount will be the exact amount needed to cover the total overdraft amount at the end of each business day, provided your linked account has a sufficient available balance. If sufficient funds are not available in your linked account, we will transfer what is available. Any items not covered by the funds in your linked account will be paid or returned at the Bank’s discretion and applicable overdraft and other account fees may be charged.

   For business analysis accounts, an Overdraft Protection Transfer Fee of $5 is charged for each transfer from your linked account.

   To sign up for Overdraft Protection, or for more information about either service, please visit any Old National Banking or call Client Care at 1-800-731-2265.

5. What is a pre-authorization hold on my debit card?

   When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

   For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

   Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

   Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

   If you have questions, call Client Care at 1-800-731-2265.

6. A hybrid work dilemma: When does working after hours become a problem?
   Employees who saw their routines thrown into disarray by COVID-19 may be spending more time at their work stations than they would have before the
7. Why Financial Reporting is the Golden Ticket to Success in Any Business
   Business success can be attributed to a wide range of factors, especially since each business defines ‘success’ differently. For example, although
8. Direct Deposit
   Set up Direct Deposit for a faster, easier, and safer way to get your paycheck or monthly benefit check. Do it in 3 easy steps!
9. If I receive a stimulus check instead of direct deposit, how can I deposit it?

   In addition to visiting a banking center, there are a number of ways you can deposit your stimulus check or any check.

   • Download the Mobile App and use your smartphone to easily and securely deposit your check with Mobile Deposit.
   • Deposit your check at most Old National ATMs. You can use our locator to find a nearby ATM.
   • If visiting a banking center, you may choose to use one of our drive-thrus or make an appointment to visit a lobby.
10. What type of mortgage should I get?

    As with all financial products, the right mortgage is dependent on your individual needs and situation. It’s best to talk with a mortgage expert to determine which type of mortgage will work for you.

    Of course, that doesn’t mean you can’t educate yourself about the various types of mortgages that are available. You can start by viewing our many mortgage options.

    We also have extensive information about mortgages and homebuying available in our Financial Insights.