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1. 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). 

2. Empowerment Loan Program
   This program offers access to capital for small businesses that may not qualify for credit under traditional underwriting guidelines.
3. Does Old National offer foreign currency exchange services?

   Yes. We buy and sell select foreign currencies at any of our banking centers. This service is available only to Old National clients.
   
   For next-day service, you can visit any of our banking center locations. Orders are debited from your checking, savings or money market account. In addition, when you return from your trip, you can exchange leftover paper currency at any Old National branch.
   
   For more information, visit our foreign currency page.

4. What is direct deposit?

   Direct deposit is when you have a regular payment, such as a paycheck or a social security payment, deposited directly into your bank account rather than receiving a physical check.

   There are several benefits to direct deposit: it’s more secure than a physical check, since it can’t be lost or stolen; it arrives in your account more quickly than a physical check would arrive via mail; and, you don’t have to spend time depositing your physical check.

   If you’re interested in setting up direct deposit to an Old National account, we have direct deposit instructions.

5. Money Safety for Seniors
   The Old National Money Safety for Seniors program teaches how to protect senior adults from financial exploitation. Sign up for a presentation.
6. 3 Reasons to Open a Roth IRA in 2021
   Nearly 25 million people own Roth IRAs, according to the Investment Company Institute, but that's a far cry from the number of Americans who could contribute to one if they wanted. While a Roth IRA isn't the best retirement account for everyone, it has some distinct advantages that make it worth considering, especially
7. Have a Small Business With a Partner? Key-Life Insurance Needs to Be a Top Priority
   If you run a small business with one or more partners, what should be your priority?
8. Private Wealth Management | Financial Planning
   At Old National Private Wealth Management, pursuing your financial goals starts with a comprehensive roadmap.
9. Home Equity Selector
   A HELOC or a Home Equity Loan? What’s right for you? Our Home Equity Selector can help you decide. Try it today!
10. 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).