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1. When will the check I deposited through Mobile Deposit be available?

   Checks deposited using Mobile Deposit are available for withdrawal based upon our typical funds availability policy. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

   Checks written from an Old National account:
   If you submit a check written from an Old National account through Mobile Deposit by the 8pm cut-off time, Monday through Friday (excluding holidays), the deposit will be available the same day. In other words, it will be credited to your account and available to cover checks or other debits being processed that night.

   Checks written from an account at a bank other than Old National:
   If made by the 8pm CST Mobile Deposit cut-off time, Monday through Friday (excluding holidays), these deposits will typically be available the next business day. This means these funds will not be available to cover checks or other debits processed that night. In some cases, an extended hold may need to be placed on a mobile deposit, meaning funds will not be available the next business day. 

   Viewing your mobile deposit
   You should be able to view your mobile deposit in your Digital Banking transaction history within one to two business days of your deposit.

   If you have questions about your Mobile Deposit, please call Client Care at 1-800-731-2265, or take the check into an Old National banking center.

   ATM Deposits
   As an alternative to Mobile Deposit, many of our ATMs also accept deposits. When viewing our Branch and ATM locator and select the ATM filter.

2. How do I improve my credit score?

   Regular, timely payments on your bills are the best way to improve your credit score. These payments won’t necessarily immediately give you a boost—the credit scoring agencies want to see that you can consistently make regular payments over several years. Over the long run, however, on-time, in-full payments are the most reliable way to achieve a higher credit score. 

   You may see a faster boost to your credit score by reducing your credit utilization ratio. This means the amount of money you owe, compared to the amount you’re allowed to borrow. For example, if your credit card limit is $2,000 and you regularly spend nearly that amount per billing cycle, your credit score will likely be lower than if you have a credit limit of $20,000 and you regularly spend nearly $2,000 per billing cycle. In each case, you’re spending the same amount, but in the second example you’re using less of your available credit—that’s something credit scoring agencies like to see.

   In cases like this, a simple step like requesting an increased line of credit on your credit card (but not spending more), or like regularly paying half your credit card bill in the middle of the billing cycle, could boost your score relatively quickly.

   Other things that impact your credit score: how long you’ve had credit (the longer the better, particularly if you’ve had most of your accounts a long time), how many recent credit inquiries you’ve had on your account (the fewer, the better) and the total amount you still owe (the lower the better). 

3. How can I make a payment on my credit card?

   You can make a payment on your Old National Credit Card online, by mail or over the phone.

   Pay online
   Please access the Online Account Center for credit cards. You will first need to enroll.

   With online account access for your credit card, you can also do the following:

   • Transfer balances
   • Request Credit Limit Increases
   • View Statements
   • And much more

   By phone
   To make a Credit Card payment by phone, please call Cardmember Service at 1-800-558-3424.

   By mail
   Credit card payments can be sent to:

   Cardmember Service
   P.O. Box 790408
   St. Louis, MO 63179-0408

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7. 3 Reasons to Open a Roth IRA in 2021
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9. Adjustable Rate Mortgage (ARM)
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10. Lot or Land Loans
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