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1. How Parents & Grandparents Can Help Fund A Child IRA
   Congratulations! Your child has a job! Now what? How about a Child IRA? Your child won’t be thinking of this, but you should.
2. Want To Leave Your Kids An Inheritance? They May Only Have 10 Years To Take It.
   The Secure Act, which was signed into law in December 2019, brings about several major changes to the retirement system. One such shift marks the end of so-called “stretch IRAs” for non-spouse beneficiaries who inherit a retirement account after 2019. Although there are a couple of exceptions, starting in 2020, most ad
3. Why Every Business Should Be Built To Sell (Even If You Never Plan To Sell)
   Preparing your business to be sellable isn’t about planning an exit. It’s about building a stronger, more valuable company that gives you options.
4. Collecting Unemployment? How To Avoid A Tax Bill Next Year
   With more than one in 10 workers currently jobless, many Americans are depending on unemployment benefits as a financial crutch to get them through the pandemic. The $2 trillion Coronavirus Aid, Relief and Economic Security (CARES) Act dramatically expanded unemployment benefits by amount, how long they last and who is
5. 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). 

6. To submit a notice of error or request for information about my loan, do I have to write a letter, or can I instead call Old National or visit a banking center?

   We are happy to continue to service your account through email, phone and our banking centers. However, we encourage you to submit any notices of error or requests for information in writing to:

   Old National Bank
   Attn: Client Success
   P.O. Box 143
   Evansville, IN 47701

   Written communication ensures that you receive all the protections under the Real Estate Settlement Procedures Act (RESPA).

7. What are the supported browsers for Old National Digital Banking?

   For security purposes, Old National Digital Banking has certain system and browser (e.g. Chrome, Firefox, Safari) requirements. If you are having issues, we recommend the following:

   You can test your browser to ensure it is fully compatible with Old National Digital Banking. If not, you may need to upgrade your current browser.

   If you have trouble testing your browser, view our list of suggested solutions. If after following the suggested solutions, you still aren't able to view the test, please contact Client Care at 1-800-731-2265 for additional assistance.

8. What if I am having browser problems in Digital Banking?

   For security purposes, Old National Digital Banking has certain system and browser (e.g. Chrome, Firefox, Safari) requirements. If you are having issues, we recommend the following: 

   First, test your browser to ensure it is fully compatible with Old National Digital Banking. If not, you may need to upgrade your current browser.

   If you have trouble testing your browser, view our list of suggested solutions. If after following the suggested solutions, you still aren't able to view the test, please contact Client Care at 1-800-731-2265.

9. What should I do if I am having financial difficulties making my loan payment?

   We are here to discuss any options available to you. Please contact our Client Care at 1-800-731-2265, Option 4.

   For a mortgage loan, you can also explore your options by speaking to a housing counselor. To find a list of counselors in your area, visit the U.S. Department of Housing and Urban Development's website at https://answers.hud.gov/housingcounseling/s/?language=en_US or call 1-800-569-4287.

10. Do I have the option to make extra principal payments on my mortgage loan?

    Yes, you have the option to make extra principal payments. Your loan must be current before any additional principal payment will be applied.

    The easiest way to do this is within Mortgage Manager. Our Mortgage Manager guides show you how to make a payment and where to enter any additional principal amount:

    • Make a One-Time Payment - How to Make a Mortgage Payment guide
    • Enroll in Autopay - How to Enroll in Autopay guide
    • Set up Flexible Payments - To learn more on how to enroll contact Mortgage Servicing at 866-853-3277.