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We’re sharing all our promotions for our personal banking clients in one place! Check back regularly to find our latest.
We’re sharing all our promotions for our personal banking clients in one place! Check back regularly to find our latest.
Earn $450:
Open an ONB Preferred Checking Account and complete qualifying activities.*
Earn $300:
Open an ONB Everyday Checking Account and complete qualifying activities.*
A Certificate of Deposit (CD) gives you a secure, predictable return, at a competitive rate.
EARN UP TO 4.50% APY: 15-MONTH CD4
Visit a branch and open a 15-month CD with a minimum balance of $50,000 to earn 4.50% APY.
Ready to take advantage?
EARN UP TO 4.40% APY: 9-MONTH CD5
Visit a branch and open a 9-month CD with a minimum balance of $50,000 to earn 4.40% APY.
Ready to take advantage?
INTRODUCTORY 4.99% APR
For the first 12 months, variable APR during the draw period may be as low as 4.99%.6
7.49% APR
After the introductory period ends, variable APR during the draw period may be as low as 7.49% APR.6
Visit us to open your Home Equity Line of Credit (HELOC)!
Our Down Payment Assistance Program works alongside a HomeReady® or Home Manager mortgage to provide up to $7,500 of down-payment assistance.7
Homeownership Opportunity Program
In partnership with the Federal Home Loan Bank of Indianapolis (FHLB), down payment assistance funds are available on a first-come, first-served basis each spring.8
A flexible checking account with the added bonus of earning interest2 each month.
Monthly Service Charge: $15 or $0 if you:
A basic checking package with money and time-saving benefits
Monthly Service Charge: $6.95 or $0 if you:
*To earn the checking account bonus, client must complete each of the following requirements.
TO QUALIFY FOR THE $450 CASH BONUS:
TO QUALIFY FOR THE $300 CASH BONUS:
Offers are not available for clients with an existing Old National personal checking account (including owners on joint accounts), personal checking accounts closed within the last 90 days, or Old National employees. 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, 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 eligible checking account. In addition, limit one cash bonus regardless of the number of checking accounts opened. Recipient(s) (customer SSN) of cash bonus shall not be eligible to receive a cash bonus on any other checking account. If the new to personal checking client changes the ONB Preferred Account or ONB Everyday Account to the other checking account product type after account opening, eligibility for the cash bonus and corresponding bonus amount will be determined based upon the checking account product type open on the 120th day. To receive the cash bonus, the new to personal checking client must meet the associated criteria for that account. The checking account must be open with a balance greater than $0 and in good standing at the time the bonus is paid. The cash bonus will be credited to the Old National personal checking account approximately within 120 days from account opening. Bonus may be reported on IRS Form 1099-MISC. Old National reserves the right to discontinue offer at any time. Not valid with any other Old National offer.
1 $50 minimum opening deposit required. If account is closed within 180 days, a $25 fee will be assessed.
2 For interest-bearing accounts, 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.
3 12-month introductory rates starting from 3.49% (3.55% Annual Percentage Yield [APY]) for balances $20,000 or more; 0.05% for balances less than $19,999.99 are available on new Market Monitor (money market) accounts opened between January 17, 2023 and March 31, 2023, with a minimum opening deposit of $20,000 in new money. New money is defined as funds not currently on deposit at Old National as of January 13, 2023. If the account is not funded with $20,000 in new money within 5 calendar days of account opening the promotional rate will be removed and standard market rates will apply. Contact your Old National Banker for local rate and balance tiers available in your market area. We may refuse or return any deposit amount causing the combined balance of all your Old National accounts to exceed $3,000,000. After the introductory term, rates will match standard rate chart and are subject to change. Offer available at Old National banking centers. Market Monitor is a personal account; not available for personal trusts, business, public or institutional funds. Old National reserves the right to discontinue this offer at any time.
4 Minimum deposit of $500 required to open. Rates, terms, and conditions accurate as of 2/22/23 and are subject to change. Advertised rate of 4.43% (4.50% Annual Percentage Yield [APY]) is for a new 15-month certificate of deposit (CD) with balances of $50,000 or more; 3.70% (3.75% APY) for balances $49,999.99 or less.
For Old National banking centers located within the Kentucky counties of Fayette and Jefferson; Clark County Indiana, and within the Michigan counties of: Calhoun, Jackson, Kalamazoo, Lenawee, Livingston, Monroe, Washtenaw, Kent, and Ottawa balances $49,999.99 or less will earn a rate of 3.94% (4.00% APY).
For Old National banking centers located within Iowa, the Illinois counties of: Cook, Dekalb, DuPage, Grundy, Kane, Kendall, Knox, Lake, LaSalle, McHenry, Rock Island, and Will; and Lake County Indiana balances under $49,999.99 or less will earn a rate of 4.09% (4.15% APY).
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. Member FDIC.
5 Minimum deposit of $500 required to open. Rates, terms, and conditions are accurate as of 2/22/2023 and are subject to change. Advertised rate of 4.33% (4.40% APY) is for a new 9-month certificate of deposit (CD) with balances of $50,000 or more; 3.95% (4.00% APY) for a balance of $10,000 to $49,999.99 and .60% (.60% APY) for balances of $9,999.99 or less. For Old National banking centers located within Iowa, the Illinois counties of: Cook, Dekalb, DuPage, Grundy, Kane, Kendall, Knox, Lake, LaSalle, McHenry, Rock Island, and Will; and Lake County Indiana CD balances of $9,999.99 or less will earn a rate of .21% (.21% APY). 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. Member FDIC
6 Rates, terms and conditions effective 2/02/2023 for applications received through 4/30/2023. Subject to credit approval. Property insurance required. Property insurance 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 discounted variable rate in effect for the first 12 billing cycles, based on a 2.50% discount resulting in an APR of 2.76% below prime rate as published in the Wall Street Journal. Thereafter, the variable rate will be based on The Wall Street Journal prime rate (plus or minus a margin) which is currently 7.49%. During the repayment period the rate will be fixed based on the rate at the end of the draw period plus a margin currently 3.00%. APR examples provided above are based on highest credit tier, a credit line amount of $100,000 with an LTV of 80% or less and includes a .25% rate reduction at origination for automatic payments from an ONB checking account. ONB associates may select the associate discount or Private Banking discount, not both, in addition to the promo rate. Maximum APR is 21%, minimum APR is 0.99%. 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 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 discontinue this offer at any time. Equity Access Cards are not available to Kentucky residents. Member FDIC.
7 Subject to credit review and approval. Property insurance required. Rates are subject to change daily. Additional qualifications and limitations may apply. Program details are subject to change without notice. Funds are limited and available on a first-come, first-served basis. Old National reserves the right to discontinue offer at any time. Contact an Old National Mortgage lender for product details.
8 HOP program is owned by FHLBI. Available to first-time homebuyers with a household income at or below 80% of the area median income. Additional qualifications and limitations may apply. Funds are limited and available on a first-come, first-served basis until funds are exhausted or end of day April 28, 2023, whichever occurs first.
9 Old National will waive our Foreign ATM Fee for the first 5 cash withdrawals per calendar month from other banks’ U.S. ATMs. You may incur separate ATM surcharge fee from the owner or operator of the ATM.
10 Monthly service charge will be reinstated at the end of scheduled duty.
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