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1. Empowering Hispanic Small Business Growth
   Empowering Hispanic Small Businesses: Overcoming Challenges and Driving Growth; Hispanic Heritage month;
2. How do I sign up for direct deposit?
   1. Gather your account information, including the Old National routing number of 086300012 and your account number found on the bottom of your Old National check. There are three groupings of numbers on the bottom of your check. Your account number is the center set of 7-10 numbers.
   2. Contact your employer or depositor to verify if they have a process for direct deposit.
   3. If you are switching direct deposit from another bank to Old National, you can use our Direct Deposit Switch Form.
   4. Watch for your first deposit, which can take up to two months.

   Direct deposit contact information:

   Type of Direct Deposit	New Direct Deposit (switch from paper checks to electronic deposit)	Existing Direct Deposit (switch from another bank to Old National)
   Salary, Pension, Dividends, Investment income	Contact your employer or payor directly.
   Social Security or Supplemental Social Security	Visit www.godirect.gov/gpw/ or call Go Direct at 1-800-833-1795	Call 1-800-772-1213
   Railroad Retirement		Call 1-800-808-0772
   Civil Service Retirement (Office of Personnel Management)		Call 1-800-767-6738
   Veterans Compensation	Call 1-877-838-2778
   Other Federal Agency Benefits	Contact the agency directly or call Go Direct at 1-800-333-1795 to get the phone number of many federal agencies.

3. What is the difference between a Money Market vs. CD?

   While both are savings accounts that offer the opportunity to earn interest on your deposit, they have important differences. A money market account typically has a variable interest rate, while allowing you to write checks and have regular access to your money. A certificate of deposit, or CD, typically has a fixed rate for a guaranteed term, provided you don’t make any withdrawals of your money during the term—typically, there is a penalty for an early withdrawal of deposited funds.

   For a more in-depth look at the differences, check out our side-by-side Money Market vs CD comparison.

4. Tips to Avoid Mail Theft-Related Check Fraud
   Incidents involving mail theft-related check fraud are on the rise, which could impact individuals expecting to receive funds through a check in the mailbox.
5. By Kevin Novak, Chief Information Security Officer at Old National Bank Phishing scams are among the most persistent and dangerous forms of cybercrime. Whether delivered via email, text message, phone call, or fake websites, phishing attacks aim to trick individuals into revealing sensitive information. At Old National
   By Kevin Novak, Chief Information Security Officer at Old National Bank Phishing scams are among the most persistent and dangerous forms of
6. Business Banking Secrets Revealed
   handling money for your business, understanding the basics of business banking is key.
7. Protect Your Business: The 4 Most Common Business Lawsuits
   Small businesses are at greater risk for lawsuits. Here's to protect yourself and your business against the most common types of lawsuit.
8. Does Old National offer overdraft coverage for checking accounts?

   In an effort to help you avoid returned checks or declined transactions, we provide protection services called Overdraft Courtesy and Overdraft Protection. These two services can also be used together for extra protection. Learn more about our Overdraft Solutions.

   Overdraft Courtesy
   Most Old National checking accounts come with Overdraft Courtesy. With Overdraft Courtesy, even if you don’t have enough available money in your checking account, we may still approve and pay checks you’ve written, as well as ACH and recurring debit card transactions (such as utility bills). Overdraft Courtesy does not cost anything unless you use it. If your account becomes overdrawn by more than $25, we will charge you a $36 fee for each overdraft item, up to 2 per day. You are responsible for paying the amount of any overdraft on your account immediately. If your account is overdrawn 7 or more consecutive business days, we will charge a $7 Daily Overdraft fee each business day the account is overdrawn by more than $25 (beginning on day 7), for up to 5 business days.

   Overdraft Protection
   Overdraft protection allows you to link your account to another Old National account. If you accidentally overdraft, we will draw the funds from your linked account. There is no annual fee for the Overdraft Protection service, and you can link to other Old National checking, savings, or money market accounts or a line of credit. The transfer amount will be the exact amount needed to cover the total overdraft amount at the end of each business day, provided your linked account has a sufficient available balance. If sufficient funds are not available in your linked account, we will transfer what is available. Any items not covered by the funds in your linked account will be paid or returned at the Bank’s discretion and applicable overdraft and other account fees may be charged.

   For business analysis accounts, an Overdraft Protection Transfer Fee of $5 is charged for each transfer from your linked account.

   To sign up for Overdraft Protection, or for more information about either service, please visit any Old National Banking or call Client Care at 1-800-731-2265.

9. Online shopping scams to look out for and how to avoid them
   Shopping online can be convenient, especially during the holiday season, but it also exposes you to online shopping scams. Here are some scams to watch out for and how to protect yourself from falling victim to them
10. To increase cash flow, consider a bill pay portal for your business
    Investing in a robust bill pay portal for your customers to use is a great place to start.