Old National Bank: Your Personal Financial Solutions

¹ TO QUALIFY FOR THE CONSUMER CHECKING CASH BONUS OF UP TO $650: To earn the checking account bonus, new to personal checking customer must complete each of the following requirements. Open an ONB Everyday or Preferred Checking account* with a minimum deposit of $50 between 2/1/2025 and 10/31/2025 online or at any Old National banking center and complete the following:

TO QUALIFY FOR $650 CASH BONUS: Make qualifying direct deposits totaling at least $3,500 per month to the new account for 3 consecutive calendar months starting the month after your account was opened.

TO QUALIFY FOR $300 CASH BONUS: Make qualifying direct deposits totaling at least $1,000 per month to the new account for 3 consecutive calendar months starting the month after your account was opened.

The qualifying minimum direct deposits must be made to the new account for 3 consecutive calendar months beginning in the calendar month following the calendar month in which the new account was opened ("Qualification Period"). For example, if the account was opened in April, the three-month qualification period would be May, June, and July. Qualifying ACH direct deposit includes electronic direct deposits of a paycheck, pension payment, social security payment or other government benefits payment deposited into the checking account from an employer, a government agency, or other similar third-party organization. Deposits made by teller/ATM/mobile deposits, wire transfers, debit card transfers, transfers between Old National accounts, external transfers from other accounts at other financial institutions, or Peer to Peer (i.e. Zelle, Venmo) transfers do not qualify.

Limit one cash bonus per customer [Taxpayer Identification Number (TIN)/Social Security Number (SSN)] regardless of the number of checking accounts opened. Recipient(s) (customer TIN/SSN) of cash bonus shall not be eligible to receive a cash bonus on any other personal checking account.

The new ONB Everyday, or Preferred Checking account must be open with a balance greater than $0 and in good standing at the time the cash bonus is paid into the account, within 130 days after account opening.

Bonus may be reported on IRS Form 1099-MISC. Offers are not available for customers with an existing Old National personal checking account (including owners on joint accounts), personal checking accounts closed within the last 12 months, has been paid an ONB personal checking promotional bonus in the past 12 months or Old National employees. Old National reserves the right to discontinue offer at any time. Not valid with any other Old National offer.

* ONB Preferred Checking is an interest-bearing account, the interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account periodically. Interest begins to accrue no later than the business day we receive credit (collected funds) for the deposit of noncash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the Collected Balance in the account each day. The current Annual Percentage Yield [APY] for ONB Preferred Checking accounts accurate as of 2/01/2025 is 0.01% on account balances in all balance tiers. Fees may reduce earnings on this account.
² $50 minimum opening deposit required. If account is closed within 180 days, a $25 fee will be assessed. Fees could reduce earnings. For interest-bearing accounts, the interest rate and annual percentage yield are determined at the bank's discretion, are subject to change after the date the account is opened and can change at any time including within the period between the account opening date and the date on which the account is fully funded with $20,000 in "new money". New money is defined as funds not currently on deposit at Old National Bank as of May 28, 2025. You will have fifteen (15) calendar days to meet the minimum deposit balance of $20,000 to remain within this competitive new money rate plan. The current interest rate of 3.69% (3.75% Annual Percentage Yield [APY]) is accurate as of May 29, 2025 for Market Monitor accounts opened with a minimum deposit balance of $20,000 in new money. If you are unable to meet the minimum opening deposit of $20,000 for this competitive new money rate plan, your account will be repriced at our standard Market Monitor rate plan. Rates and tiers for deposit balances are: 3.69% (3.75% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999 or less. If the account is closed within 180 days, a $25 fee will be assessed. Fees may reduce earnings on the account. If the account is closed before interest is credited, you will not receive the accrued interest. Market Monitor is a personal deposit account. This offer is only available at Old National banking centers located in Illinois, Indiana, Iowa, Kentucky, Michigan, Tennessee, Wisconsin. This offer applies to personal accounts and personal trusts only; it is not available for business, public or institutional deposit funds. Personal trusts can only be opened in an Old National banking center. Old National reserves the right to extend or discontinue this new money rate plan offer at any time. We may refuse or return any deposit amount causing the combined balance of all your Old National accounts to exceed $3,000,000. Contact your Old National Banker for current rates.
³ Minimum deposit of $500 required to open. Rates, terms, and conditions accurate as of April 4, 2025, and are subject to change. Advertised interest rate of 4.025% (4.10% Annual Percentage Yield (APY)) is for a new 5-month certificate of deposit (CD) with balances of $500 or more. CD rates are fixed upon opening the account. APYs assume money stays on deposit until CD maturity date. An early withdrawal penalty may be assessed and may decrease earnings. If you close the account before interest is credited, you will not receive the accrued interest. Upon maturity the CD will automatically renew for a successive term equal to the original term at the standard rate/APY in effect on the maturity date and based on the same term, minimum balance, and other features of the original certificate. Public funds, institutional funds and brokered CDs are not eligible for advertised APYs.
⁴ Rates, terms, and conditions effective 12/19/2024 for applications received through 9/30/25. Subject to credit approval. Property insurance is required for all loans secured by real estate. Rates are subject to change daily. Contact your Old National Banker or Residential Lender for current loan rates. NMLS #459308.  Other restrictions may apply, see bank for details. The line of credit has a draw period of 10 years, after which you will no longer have access to borrow funds and will be required to repay the borrowed balance within a 20-year term. During the draw period there is an introductory variable rate discount in effect for the first 6 billing cycles, based on a 1.50% discount resulting in an APR of 1.65% below the prime rate as published in the Wall Street Journal. After the introductory period expires, the variable rate for the account will be based on The Wall Street Journal prime rate (plus or minus a margin) which is currently 7.10%. During the repayment period the rate will be fixed based on the rate at the end of the draw period plus a margin which is currently 3.00%. APR examples provided above are based on the highest credit tier with an LTV of 60% or less and includes an optional 0.25% rate reduction available at origination for enrolling in automatic loan payments drawn from an ONB checking account. ONB associates may select the associate discount or Private Banking discount, not both, in addition to the promotional discount. Maximum APR is 21%, minimum APR is 0.99%. The initial $50 annual fee is waived. During the draw period the minimum monthly payment will be equal to the interest that accrued on the outstanding balance during the preceding billing cycle or $50, whichever is greater. During the repayment period the minimum monthly payment will be based on the balance at the end of the draw period amortized over 20 years or $50, whichever is greater. If you close or refinance your line of credit within 3 years, a Reimbursement fee will be assessed for the lesser of $300 or the amount paid to third parties to recover the closing costs paid on your behalf plus, in MN, the Mortgage Registry Tax (MRT) or Deed Stamp Tax paid on your behalf where applicable. Old National reserves the right to extend or discontinue this offer at any time. Equity Access Cards are not available to Kentucky residents.

⁺ TO QUALIFY FOR THE SMALL BUSINESS CHECKING CASH BONUS OF $500:  

To earn the checking account bonus, new to business deposit customer must complete each of the following requirements:

Open an Access Business Banking Checking account or Pro Access Business Banking Checking account with a minimum deposit of $100 between 4/28/2025 and 9/30/2025, at any Old National banking center and complete the following:

1. Deposit a total of $7,000 or more within 30 days of account opening.
2. Maintain a minimum balance of at least $7,000 for days 31-90 of account opening.
3. Enroll in Small Business Digital Banking and log in within 30 calendar days of account opening.
4. Account must remain open with a balance greater than $0 and in good standing at the time the cash bonus is paid into the account, within 120 days after opening.
   • The qualifying minimum deposit must be made to the new account within 30 calendar days of account opening ("Qualification Period"). Deposits can be made on a one-time basis or cumulatively over the 30 days. On day 30 of account opening, we will check for the required deposit balance. If your day 30 falls on a non-business day, we will review the account on the first business day after day 30 of account opening. Qualifying deposits include teller/ATM/mobile deposits, wires, external transfers from other accounts at other financial institutions. Deposits made by transfers between Old National accounts, do not qualify.
   • The qualifying required balance must be maintained during days 31-90 of account opening ("Maintenance Period"). During days 31-90 of account opening, we will check daily for the minimum required balance.
   • The qualifying enrollment and login into Small Business Digital Banking platform must be made to the new account within 30 calendar days of account opening ("Qualification Period"). Enrollment and login into Consumer Digital Banking, OnPoint Essentials, and OnPoint Treasury does not qualify.
   • Limit one cash bonus per customer [Taxpayer Identification Number (TIN)/Social Security Number (SSN)] regardless of the number of checking accounts opened. The new Access Business Banking account or Pro Access Business Banking account must be open with a balance greater than $0 and in good standing at the time the cash bonus is paid into the account. The cash bonus will be credited to the Old National business checking account approximately within 120 days from account opening. Recipient(s) (customer TIN/SSN) of cash bonus shall not be eligible to receive a cash bonus on any other business checking account. Bonus may be taxable income to you and may be reported on IRS Form 1099. Please consult your tax advisor if you have questions about the tax treatment of the Bonus.

TO QUALIFY FOR 3 MONTHS OF PAYMENTS PLUS BUNDLE WITH NO SERVICE CHARGE:

To receive service charge waiver for the first 3 monthly statement periods, new to business deposit customer must complete each of the following requirements:

Open an Access Business Banking Checking account or Pro Access Business Banking Checking account with a minimum deposit of $100 between 4/28/2025 and 9/30/2025, at any Old National banking center

• Enroll in the Payments Plus Bundle within 30 calendar days of account opening.
• The qualifying enrollment of the Payments Plus Bundle must be made within 30 calendar days of account opening ("Qualification Period"). Enrollment of Business Plus does not qualify.
• The $10 Monthly Service charge is waived for the first 3 monthly statement periods. Limit of one service charge waiver of the Payments Plus Bundle [Taxpayer Identification Number (TIN)/Social Security Number (SSN)] regardless of the number of checking accounts opened.

Promotional offers are available only to new Old National Bank Business customers establishing a new business checking relationship for business purposes only or current Old National Bank Business customers without an existing business deposit relationship. Promotional offers are not available to Old National Bank business customers (including owners on joint accounts) with an existing business deposit account, any business deposit accounts closed within the last 12 months, has been paid a promotional bonus in the past 12 months or Old National employees. Offer available to business accounts opened at any Old National banking center. Old National reserves the right to extend or discontinue the offer at any time without notice. Old National reserves the discretion to disqualify any account if suspected of being opened for the purpose of exploiting this promotional offer. 

“Old National,” “Old National Bank,” “Old National Bancorp,” “ONB” and the Old National logo are registered trademarks of Old National Bancorp.