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1. Not All Inheritance Trusts Are Created Equally
   When it comes to inheritance, some clients are convinced that their parents have made proper arrangements on their behalf. Even when parents have used qualified lawyers and other advisors to do this, we always recommend “double checking” to make sure that any inheritance that might be received will be under an appropri
2. What to do if a tax document arrives after you file
   In early 2019, I thought all of my tax documents had arrived in the mail, so I sat down to file my taxes in early March. Everything looked great, so I
3. 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.

4. What is a pre-authorization hold on my debit card?

   When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

   For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

   Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

   Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

   If you have questions, call Client Care at 1-800-731-2265.

5. A hybrid work dilemma: When does working after hours become a problem?
   Employees who saw their routines thrown into disarray by COVID-19 may be spending more time at their work stations than they would have before the
6. Why Financial Reporting is the Golden Ticket to Success in Any Business
   Business success can be attributed to a wide range of factors, especially since each business defines ‘success’ differently. For example, although
7. The truth behind America's labor shortage is we're not ready to rethink work
   Roughly 10 million Americans are unemployed, yet hiring slowed sharply in April as the US reopened. The labor-shortage trend has less to do with too few workers and more to do with rethinking labor. The pandemic and stimulus led Americans to reevaluate work - and demand higher pay for it. See more stories on Insider's
8. What is the Allpoint ATM Network?

   Allpoint is a network of 55,000 ATMs that provides Old National clients fee-free (also known as surcharge-free) access to their accounts. Allpoint ATMs are listed as "Allpoint Surcharge-Free ATM" on our website locator at oldnational.com/locations.

   To find an Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "Allpoint Surcharge-Free ATM" filter. You can also use the locator within our Mobile App to find Allpoint ATMs. 

   Allpoint ATMS are located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS, Kroger, Target, Walgreens, Winn-Dixie and many others.

   Transactions that can be completed at Allpoint ATMs include withdrawals, transfers and balance inquiries. Home equity cards cannot be used at Allpoint ATMs.

   Allpoint ATMs will also have an Allpoint logo on them. Some may also be branded by other financial institutions, but you can still use them fee-free if they have the Allpoint logo showing they are part of the Allpoint Network.

9. What is an ATM surcharge fee?

   An ATM surcharge fee is the fee an owner of an ATM charges cardholders from other financial institutions who use their machine. In other words, if you have an Old National debit card and use it at another bank's ATM, that bank may assess a surcharge.

   ATM surcharge fees are typically between $2 and $3.50. Usually, a screen will appear on an ATM giving you the option to accept or decline a surcharge. Declining will cancel your transaction.

   It's important to note that for some types of checking accounts, Old National will charge a $2.50 "foreign" ATM fee (on top of the ATM owner surcharge) if you use a non-Old National Bank or non-Allpoint ATM. 

   To ensure fee-free ATM usage, we recommend always using an Old National or Allpoint ATM when possible. To find an Old National or Allpoint ATM, go to our website locator at oldnational.com/locations. Select the "ATM" and "Allpoint Surcharge-Free ATM" filters. You can also use the locator within our Mobile App to find both Old National and Allpoint ATMs.

10. How often is Allpoint ATM location data updated within Old National locators?

    Allpoint's ATM data feeds directly into the oldnational.com locator and Mobile App locator, meaning any updates provided by Allpoint are reflected in our locators right away.