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1. Paying With Debit vs Credit: Which Really Saves You More?
   The truth is both tools can save you money, but in very different ways. It all comes down to how you manage spending.
2. Why You May Not Have as Much Saved for Retirement as You Think
   Broadly speaking, the retirement-savings situation among today's workers is bleak, even among those who are nearing retirement age.
3. How to build an emergency fund when you live paycheck to paycheck
   We all know that we’re supposed to be have an emergency fund equal to at least three months’ worth of expenses. Unfortunately, many of us are not in
4. How to Pursue Your Financial Freedom
   Where are you financially? Are you on a path to achieve your life goals? We ask because July 1 is National Financial Freedom Day. It’s a great
5. The Difference Between Revolving Credit vs Line of Credit
   Revolving Credit vs. Line of Credit: An Overview Revolving credit and a line of credit are financing arrangements made between a lending institution and a business or an individual. The lender provides access to funds that the borrower can use at his discretion; it's like a flexible, open-ended loan. In fact, a revolvi
6. Untangling Your Finances When You Divorce: Don’t Forget These Important Details
   Divorce is an emotional time for everyone involved, but neglecting diligent follow up can impact your finances.
7. Why Americans Waste So Much Money Without Realizing It
   Here's the good news: Once you know where the leaks are, they're not that hard to fix.
8. Five Keys to Retirement Planning and Peace of Mind
   Getting ready for retirement requires planning. Here are some key ideas and strategies to keep in mind
9. What is the difference between a debit and credit card?

   While both a debit card and credit card can be used to make purchases at stores or online, how they work is quite different.

   A debit card is tied to your bank account. When you use it to make purchases, money is withdrawn directly from your account. If you have no money in your account, the purchase won’t (or shouldn’t) go through.

   A credit card is a revolving line of credit, or a loan. When you use it to make purchases, the credit card company funds the purchase upfront. You can continue spending up to your credit limit without paying immediately. At the end of your billing cycle, your credit card company sends you a bill for the amount you owe. You then have the option of paying the minimum amount due (and paying interest on the remainder), paying your balance in full (and not being charged interest) or paying somewhere in between. As long as your account is in good standing, you can continue to spend up to your credit limit.

   Each type of card has benefits and drawbacks. A debit card is a safe option. It prevents you from falling into debt, since it won’t function if you don’t have any money in your account. However, should you need to spend a little extra, you won’t be able to.

   A credit card, on the other hand, gives you access to additional funds and it gives you the opportunity to build your credit, provided you pay your bill in a timely fashion. The potential risk is that you may end up paying high interest on the balance you don’t pay off, and, if you don’t make your regular payments, you may see your credit score drop.

   At Old National, we offer our clients both debit cards and credit cards.

10. How do I approve a payment in Shared Access?

    If you set a bill pay transaction limit for sub-users, then you will need to approve any payment over that limit. When a sub-user submits a payment, you will receive an email.

    • From a web browser, log into digital banking.
    • In the Bill Payment box, you will see you an Approval needed.
    • Select Review.
    • Select Approve or Decline. Decline will cancel the payment. Approve will schedule the payment and provide you a confirmation number.

    Sub-users access is not available on the Mobile App and managing sub-users is also only accessible via a web browser in Digital Banking.