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1. How do I apply for a mortgage loan?

   You can apply for an Old National mortgage loan in several ways:

   Apply through our website

   1. Visit the Mortgage Loan Options page.
   2. If you prefer, you can also designate the mortgage lender you prefer to work with. In that case, go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of the mortgage loan officer you prefer to work with, select Apply Online.

   Call us
   You can also contact a mortgage loan officer directly to schedule an appointment. Go to the Mortgage Loan Options page and select Find a Mortgage Expert. Under the photo of each mortgage loan officer, you will find a direct phone number.

2. 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.

3. 3 Moves to Make Before Doing a Balance Transfer
   If you owe money on a few different credit cards, you may be considering a balance transfer. A balance transfer lets you move your existing balances onto a new card with a lower interest rate -- ideally, an initial 0% introductory rate.
4. 3 Things a Small Business Can Do to Retain Employees
   With the economy strong and a lot of companies looking for help, workers have more options than they otherwise would. That can create problems for small businesses, which may not be able to match the pay or perks at bigger firms. But just because big companies might offer your employees a raise does not mean you can't
5. 4 Ways To Minimize Career Risk In A Market Downturn
   How do you move forward with a career change given the emotional and mental health issues during this pandemic and economic downturn? This is probably
6. 5 Reasons to Start a Retirement Plan for your workers
   5 Reasons to Start a Retirement Plan for your employees. Even if you’ve considered starting a retirement plan for your employees in the past. Old National Bank has retirement plan services to help businesses.
7. 6 Tips For Financing Through A Quarantine Or Furlough
   Due to the recent coronavirus outbreak, companies all across the country are reducing the hours of their employees, or even instituting temporary furloughs, to help prevent the spread of the virus. While the conditions and severity of the reduction of hours may vary, they all generally involve a temporary reduction or
8. 7 Ways to Avoid Financial Stress When Running a Business
   Running your own business requires careful thought and planning. But even with all that, it’s hard to avoid feeling financially stressed from time to time. Handling the stress productively can help your business succeed. But avoiding it in the first place can also make your job far more enjoyable. Here are seven ways t
9. A Quick Start to Your Wealth Management Plan
   Your financial success is our first priority. With First Midwest Wealth Management1 financial services, you have a truly objective financial advocate working for you. First Midwest Bank is a regulated fiduciary and we are held to a higher standard of care – placing your interests ahead of our own. We can help you creat
10. Are You Ready to Invest Beyond a 401(k)?
    When it comes to retirement investing, it pays to take advantage of accounts that provide tax breaks for savings. Sadly, many people are passing up the chance to invest in one of the most accessible of those accounts -- the IRA. In fact, according to the Center for Retirement Research, only around 15% of people of all