Old National Bank: Your Personal Financial Solutions

¹ TO QUALIFY FOR THE CONSUMER CHECKING CASH BONUS OF UP TO $600:  To earn the checking account bonus, the customer must be new to personal checking and open an ONB Everyday or Preferred Checking account with a minimum deposit of $50 between 2/3/2026 and 6/30/2026 at any Old National banking center or online (online account opening available to applicants residing in Iowa, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Dakota, Tennessee, or Wisconsin) and complete the following:

TO QUALIFY FOR $600 CASH BONUS: Make 3 or more qualifying direct deposits totaling at least $12,000 into the new account within the first four months of account opening. Maintain a positive account balance at the time of bonus processing.

TO QUALIFY FOR $300 CASH BONUS: Make 3 or more qualifying direct deposits totaling at least $3,500 into the new account within the first four months of account opening. Maintain a positive account balance at the time of bonus processing.

The qualifying 3 or more ACH direct deposits must be made to the new account within the first four months of the new account being opened ("Qualification Period"). For example, if the account was opened in February, the four-month qualification period would be February, March, April, and May. 

Qualifying ACH direct deposits include recurring electronic direct deposits of a paycheck, pension payment, social security payment or other government benefits payment deposited into the checking account from an employer or government agency. Deposits made by teller/ATM/mobile deposits, micro-deposits, online and mobile banking transfers, wire transfers, debit card transfers, transfers between Old National accounts, external transfers from other accounts at other financial institutions or brokerages, or Peer to Peer (i.e. Zelle, Venmo) transfers do not qualify as a qualifying direct deposit.  

After successful completion of the recurring qualifying ACH direct deposit requirement, cash bonus will be credited into the new ONB Everyday or Preferred Checking account between the 121st and 140th day after account opening. Eligibility for the bonus requires that the account be open and maintain a balance greater than $0 at the time the bonus is credited, which will occur between the 121st and 140th day after account opening. Accounts that are closed, restricted, have a zero or negative balance at the time of bonus processing are not eligible to receive the bonus.

The bonus may be taxable and may be reported on IRS Form 1099. Please consult your tax advisor regarding any tax consequences associated with the bonus. Old National Bank nor their employees provide tax advice. 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 Old National personal checking account. 

Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.  

Old National reserves the right to extend or discontinue offer at any time without notice. Not valid with any other Old National checking account offers. Old National Bank reserves the right, in its discretion, to disqualify any account and withhold the promotional bonus if Old National Bank determines that the account was established for the purpose of exploiting the promotional offer or otherwise constitutes promotional abuse.

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 2/1/2025 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 October 21, 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 3.21% (3.25% Annual Percentage Yield [APY]) is accurate as of October 22, 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: 3.21% (3.25% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 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 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. Offer available at Old National banking centers located in Iowa, Illinois, Indiana, Michigan, Minnesota, North Dakota, Wisconsin, and the Kentucky counties of Daviess, Henderson, Hopkins, Muhlenberg, and Union. 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. Maximum to receive rate is $5,000,000. Rates, terms, and conditions accurate as of December 23, 2025, and are subject to change. Advertised interest rate of 3.69% (3.75% 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 based on the term, minimum balance, and other features of the 6-month certificate of deposit available at that time. Due to market conditions, there may be times when there is little to no difference in the interest rate and Annual Percentage Yield (APY) earned in each tier. ONB may change the interest rate and APY based on account balances at our sole discretion. For more information regarding interest rates and APYs in effect at the time of CD renewal, please contact your local banker. Public funds, institutional funds and brokered CDs are not eligible for advertised APYs.
⁴ Rates, terms, and conditions effective 12/11/2025 for applications received through 3/31/2026. 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 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 (currently set at 6.75%) plus or minus a margin which is priced at loan origination based on the application’s credit tier. 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%. The 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 UP TO $800:  

To earn the checking account bonus, new to business deposit customer must open an Access Business Banking Checking account or Pro Access Business Banking Checking account with a minimum opening deposit of $100 between 2/3/2026 and 6/30/2026, at any Old National banking center and complete the following: 

To qualify for $800 Cash Bonus: Deposit a total of $20,000 or more within 30 days of account opening. Maintain a balance of $20,000 or more during days 31-90 of account opening. Enroll in Small Business Digital Banking and log in within 30 calendar days of account opening. Maintain a positive account balance at the time of bonus processing.

To qualify for $400 Cash Bonus: Deposit a total of $4,000 or more within 30 days of account opening. Maintain a balance of $4,000 or more during days 31-90 of account opening. Enroll in Small Business Digital Banking and log in within 30 calendar days of account opening. Maintain a positive account balance at the time of bonus processing.

The qualifying minimum deposits must be made to the new account within 30 calendar days of account opening. Deposits can be made on a one-time basis or cumulatively over the 30-day period. On the 30th calendar day following account opening, the account will be reviewed to confirm satisfaction of the required deposit balance. If the 30th calendar day falls on a non-business day, the review will occur on the next business day. Qualifying deposits include teller/ATM/mobile deposits, wires, and external transfers from accounts at other financial institutions. Deposits made by transfers between Old National accounts do not qualify. 

The qualifying required balance of $20,000 or $4,000 must be maintained during day 31-90 of account opening. During the period beginning on the 31st day and ending on the 90th day following account opening, the account will be reviewed daily to confirm that the minimum required balance is maintained.  

Enrollment in, and login to, the Small Business Digital Banking platform must occur with respect to the new account within 30 calendar days following account opening. Enrollment in, or use of, Consumer Digital Banking, OnPoint Essentials, or OnPoint Treasury is not included in the qualifying activity.

After successful completion of the qualifying requirements, the cash bonus will be paid into the new Access Business Banking Checking account or Pro Access Business Banking Checking account between the 100th and 120th day after account opening. Eligibility for the bonus requires that the account be open and maintain a balance greater than $0 at the time the bonus is credited. Accounts that are closed, restricted, have a zero or negative balance at the time of bonus processing are not eligible to receive the bonus.

The bonus may be taxable and may be reported on IRS Form 1099. Please consult your tax advisor regarding any tax consequences associated with the bonus. Old National Bank nor their employees provide tax advice.

Limit one cash bonus per customer [Taxpayer Identification Number (TIN)/Social Security Number (SSN)/Employer Identification Number (EIN)] regardless of the number of checking accounts opened. Recipient(s) (customer TIN/SSN/EIN) of cash bonus shall not be eligible to receive a cash bonus on any other business checking account at Old National Bank. If multiple accounts are opened with the same signers, only one account will be eligible for the bonus. Promotional offers are available only to new customers establishing a business checking account for business purposes, and existing Old National Bank customers who do not currently have and have not previously had in the past 36 months, a business deposit relationship with Old National Bank. Promotional offers are not available to current Old National Bank business customers, including any individual who is an owner, joint owner, or authorized signer on an existing business deposit account; any business that has closed a business deposit account within the past 36 months; any customer who has received a promotional bonus within the past 36 months; or Old National Bank employees.   

Old National reserves the right to extend or discontinue offer at any time without notice. Not valid with any other Old National checking account offers. Old National Bank reserves the right, in its discretion, to disqualify any account and withhold the promotional bonus if Old National Bank determines that the account was established for the purpose of exploiting the promotional offer or otherwise constitutes promotional abuse.

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