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1. What if I want to send money to someone whose financial institution doesn't offer Zelle?

   You can find a full list of participating banks and credit unions live with Zelle^® here.

   If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

   To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

2. Powers of Attorney: The Estate Planning Tools Every Adult Should Have
   Attorney Jennifer Imediegwu A Financial Power of Attorney and Health Care Power of Attorney are two very important estate planning documents. Without such powers in place, an individual is open to a guardianship action in the event of an accident, prolonged illness or mental incapacity. Guardianships can be costly and
3. How do I sign up for direct deposit?
   1. Gather your account information, including the Old National routing number of 086300012 and your account number found on the bottom of your Old National check. There are three groupings of numbers on the bottom of your check. Your account number is the center set of 7-10 numbers.
   2. Contact your employer or depositor to verify if they have a process for direct deposit.
   3. If you are switching direct deposit from another bank to Old National, you can use our Direct Deposit Switch Form.
   4. Watch for your first deposit, which can take up to two months.

   Direct deposit contact information:

   Type of Direct Deposit	New Direct Deposit (switch from paper checks to electronic deposit)	Existing Direct Deposit (switch from another bank to Old National)
   Salary, Pension, Dividends, Investment income	Contact your employer or payor directly.
   Social Security or Supplemental Social Security	Visit www.godirect.org or call Go Direct at 1-800-833-1795	Call 1-800-772-1213
   Railroad Retirement		Call 1-800-808-0772
   Civil Service Retirement (Office of Personnel Management)		Call 1-800-767-6738
   Veterans Compensation	Call 1-877-838-2778
   Other Federal Agency Benefits	Contact the agency directly or call Go Direct at 1-800-333-1795 to get the phone number of many federal agencies.

4. From Red To Black: How An Expense Audit Can Turn Your Business Around
   A solid financial management strategy is key to the health of your business. Here's how expense audit can help
5. Life Insurance: What Business Owners Should Know
   It's important to insure yourself as well as your company It is said that a quality life insurance policy provides "certainty in an uncertain world."
6. Digital Banking for Small Business
   Enjoy 24/7 access and real-time control of your business finances. Manage users, pay bills, make mobile deposits and more with our digital banking solution.
7. What are financial scams I should be aware of?

   What you need to know:
   Scams fall into a couple of categories, Advanced Fee Scams & Bank and Financial Account Scams.

   • Advanced Fee Scams – based on the concept that the victim is promised a benefit (prize, lottery winnings, inheritance) but must pay in advance for some fee before the victim can receive that benefit. Variations of this scheme include business opportunity/work, credit card interest reduction, work from home online scams and romance schemes.
   • Bank and Financial Account Scams – involve tricking individuals into providing their debit card, credit card or financial account information so that scammers gain unauthorized access to those account and siphon off funds. Some of these techniques include:
     • Phishing – use of email and websites that pretend to be legitimate banks, financial institutions, credit card companies and manipulate the victim into disclosing personal and financial data
     • Vishing – telephone equivalent of phishing; fraudsters call prospective victims and pretend to be the victim’s bank to trick them into disclosing details during the call
     • SMiShing – texting equivalent to phishing

   Types of Scams:
   IRS Scams: Scammers call potential victims demanding cash payments for unpaid taxes via prepaid debit cards, money orders, Western Union/Money-gram or wire through their bank. According to the IRS, the agency will first contact taxpayers by mail, not by phone, concerning taxes owed and it will never as for payments using a prepaid debit card, money order or wire transfer. 

   Online Dating Scams: Scammers troll media sites in search of romantic victims-usually claiming to be Americans traveling or working abroad. Here is how the scam works. You are contacted online by someone who appears interested in you. They may have a profile and email you pictures. For weeks, even months you may chat back and forth forming a connection. You may even be sent flowers or other gifts. Ultimately, your new “friend” will request money. There will be repeated hardships that only you can help alleviate. You may also be sent checks to cash or forward a package. In addition to losing your money, you may have unintentionally taken part in a money laundering scheme by cashing phony checks and sending the money overseas and by shipping stolen merchandise. 

   Grandparent Scam: A grandparent receives a call from a “grandchild”, typically late at night or early in the morning. The caller claims to be traveling out of the country and is in a bad situation (arrested for drugs, car accident, mugged) and needs money wired ASAP. The caller does not want his or her parents called. A variation is the caller claims to be an arresting police officer, lawyer or doctor and requesting money. 

   Online Shopping Scams: These can take many forms. Some scammers will pose as genuine sellers and post fake ads at much lower prices. After you pay, the items never arrive. Other scammers will pose as buyers and send a check for more than the required payment and ask for a refund. You send the refund and the check comes back as fraudulent. You are out the item and the amount of the refund. 

   What you need to do:

   • Become familiar with common fraud scams
   • Know who you are receiving checks from before you deposit them
   • Never pay anyone to receive a deposit
   • If someone calls you and attempts to obtain sensitive information or scam you, hang up

   If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

8. What recession? Pessimism recedes for global economy in 2020.
   Slowing growth and trade tensions were seen a few months ago as major threats to the global economy. The outlook has shifted notably. A nuanced optimism has crept into the stock markets and forecasts about the world economy. Where traders and economists once predicted a U. S. recession in 2020 or certainly by 2021, man
9. Where can I find mortgage loan payoff information?

   For the correct amount to pay off a mortgage loan, please do one of the following:

   • Call Mortgage Servicing at 1-866-853-3277 or 1-812-468-1800
   • Email Mortgage Servicing at mortops@oldnational.com
   • Fax your request to Mortgage Servicing at 812-461-9354
   • Visit any Old National banking center 

   A loan's payoff information is not available within Online or Mobile Banking. The remaining balance shown on a loan within Online and Mobile Banking may not reflect all interest, fees, payments, etc. To obtain the correct amount to pay off a loan, it is best to call us or visit a banking center.

   Please note that loan payoff amounts over $3,500 must be paid in a banking center and cannot be accepted over the phone.

   Amounts under $3,500 can be accepted by phone as an electronic check (eCheck) only, and not by credit card or debit card. There is also a fee associated with loan payments made by phone. You will need to have your routing number and account number to pay by eCheck.

10. Roth IRA for Kids
    Small business owners may find it challenging to find ways to provide additional benefits to their children who work for the company. One often