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1. Why Consumers Should Shop Early This Holiday Season
   This year, many consumers began making their holiday gift purchases long before Halloween.
2. How do I set up a recurring payment in Online Bill Pay?

   From a Web Browser

   • Log in to your Digital Banking account.
   • Open Online Bill Pay.
   • Locate the payee on your list.
   • Under the Options list, select the Automatic Payment tab.
   • Next, select the account you would like to pay from, the amount and the frequency.
   • If you are sending the payment via check, you may Add a Memo (located under Amount).
   • Under Frequency, you may select start and end dates for the payment, or choose No End Date to continue to make payments until you turn them off.
   • Email notifications are also available for when the payment is scheduled, when the payment has been sent or before the last payment is sent. 
   • When you are satisfied with your payment information, click Save.

   In the list of payments, you can easily see items that are set up with recurring payments. They are identified by the rotating arrow icon.

   • Use the Edit button to edit a recurring payment, or you can change the entire payment rule.
   • Click Add to make additional payments to a payee.

   On the Mobile App
   Recurring payments can be viewed and cancelled in the mobile app, but can only be setup and maintained from a web browser.

   • To view or cancel a recurring payment in the mobile app, tap Payment Center and then select Bill Pay.
   • Tap Schedule.
   • If you wish to cancel, tap the scheduled payment and tap Cancel payment.
   • Tap Yes to confirm.
3. In the era of remote work, we still need offices
   If there’s one thing we know to be true in the business world, it’s that where Google leads, others will follow. Recently the company announced its plan to let employees work from home through the summer of 2021. If arguably the number-one advocate of in-office culture is leaving desks empty for more than a year, it be
4. How can I find an ATM?

   There are several ways to find an Old National ATM through our website and our Mobile App:

   On the website
   Visit oldnational.com/locations to go to our Branch & ATM locator page. Enter the following information into the Search box.

   • To find an ATM near a specific location, enter the location address (as much as you know), city/state or zip code. Select Search.
   • To find an ATM closest to your current location, enter your location and choose Search or just search for "Current Location." A listing of your nearest banking centers and ATMs will be provided. This listing will include branches with ATMs as well as standalone ATMs - some part of the Old National network and some part of the Allpoint network. You can also choose to Get Directions.   

   In the Mobile App

   • Open the App on your device. You do not have to log in. At the bottom of the Login screen, select Locations. You can use the Search at the top of the screen to find an ATM by address, zip code or city.
   • If you are already logged in to the Mobile App, go to More at the bottom right of the screen and then Locations under Contact Us.

   Results of Location searches will be more accurate if you have enabled your mobile device to show your current location.
   
   Deposits at ATMs
   Old National has many ATMs that will accept cash and check deposits, and we continue to add more. To find an ATM that accepts deposits, follow these steps:

   • Go to the oldnational.com locator
   • Next to the locator map, select the ATMs filter and unselect the Allpoint Surcharge-Free ATM filter. Our Partner ATMs, which are part of the Allpoint network, do not accept deposits.
   • Type your zip code or city/state into the Search bar to find the nearest ATMs

   Deposits made at an ATM are available for withdrawal based upon our typical funds availability policy. This means they may not be available for immediate withdrawal and use.

   If you have questions about making deposits at an ATM, please contact Client Care at 1-800-731-2265.

5. 2022 LPL Financial Club Level Recognition
   For 2022, 26 Old National Investments (ONI) Wealth Advisors qualified for one of LPL Finacial's club levels.
6. Employers peg pay hike budgets at 3.5% for 2026
   Employers are projecting an average salary budget increase of 3.5% for 2026, according to new research from Mercer.
7. Why was I charged a paper statement fee?

   Some Old National accounts require the use of electronic statements or eStatements to avoid a monthly paper statement fee. This would have been disclosed when the account was opened. If you disable eStatements for Student Checking, Everyday Checking or Personal Plus accounts, there will be a paper statement service charge of $3 per month.

   You can enroll in eStatements, and select the accounts for which you want to receive eStatements, through Online Banking or the Mobile App. Just follow these simple steps:

   In Online Banking

   • Log in to Online Banking.
   • Click eStatement Preferences under Statements and check the box next to the account(s) for which you want to receive eStatements. If the box is already checked when you navigate to this page for the first time, please uncheck and re-check the box to ensure your preference is correctly saved. Choose Save Changes.

   Enrolling in eStatements from our Mobile App is similar.

   On the Mobile App

   • Click on the Mobile Banking app and log in to your account.
   • Select the More menu button at the bottom of the screen.
   • Click eStatement Preferences and check the box next to the account(s) for which you want to receive eStatements.
   • Click Save Changes.

   When you enroll in eStatements, you will no longer receive a paper statement.

   If you have questions or need assistance, please contact Client Care at 1-800-731-2265.

8. How do I use Quick Pay in Online Bill Pay?

   On a Web Browser
   Here’s how you make a payment from the Quick Pay section on the Digital Banking homepage.

   • First, log in to your Digital Banking account.
   • On the account homepage under Pay to select your payee from the drop-down list. If you have not set up a Payee, please go back to the section on how to Add a Payee.
   • In the Pay from section, select the account you would like to make the payment from. 
   • Use the Calendar to select the available date you want the payment to arrive to the payee and click Save. Keep in mind that some payment options take longer to issue than others, so your available dates may reflect this delay.
   • Next, enter the dollar amount you wish to pay.
   • When finished, click Schedule Payment.
   • You will be asked to confirm your payment, click Confirm to schedule and send your payment or Cancel if you need to make changes.

   On the Mobile App

   • From a mobile app, simply log in, tap Pay & Transfer, then Bill Pay. 
   • Select the To/Payee and the From account. 
   • Enter the amount and the date you want the payment to arrive to the payee. 
   • Tap Pay. 
   • You will be asked to confirm your payment, tap Yes to schedule and send your payment or No if you need to make changes.
9. Assess Life Insurance Needs
   If your family relies on your income, it's critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances.
10. Real-Life Finance Podcast #15 | Smart Starts for Entrepreneurs with Old National President & COO Tim Burke
    Hosted by Old National Bank Financial Empowerment Director Ben Joergens, each Real-Life Finance episode focuses on everyday financial solutions that