Unlocking Maximum Savings: The 5 Must-Know Old National Bank Discounts And Promotions For 2025/2026

Are you maximizing your financial benefits with Old National Bank (ONB)? As of today, December 24, 2025, the banking landscape continues to shift, making it crucial for customers and prospective clients to be aware of the most current and valuable discounts and promotional offers available. Old National Bank, a major regional financial institution, consistently provides a range of incentives designed to reward loyalty and attract new business, spanning everything from consumer loans and mortgages to high-yield savings products like Certificates of Deposit (CDs) and lucrative cash bonuses for opening new checking accounts.

This comprehensive guide dives deep into the specific "Old National Discount" programs—a term that encompasses rate reductions, cash bonuses, and special APY offers—that you can leverage right now to keep more money in your pocket and grow your savings securely. We’ll break down the eligibility requirements and the exact savings you stand to gain across various ONB products, ensuring you have the freshest, most actionable financial intelligence.

Old National Bank's Top 5 Financial Discounts and Promotions (2025/2026)

The term "Old National Discount" is most commonly associated with specific interest rate reductions on lending products and high-value cash incentives for new accounts. Here is a breakdown of the most significant and currently active offers, with details accurate for the 2025 and early 2026 promotional cycles.

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1. Consumer Loan Rate Reduction with EZ Pay

One of the most straightforward and accessible discounts for existing Old National accountholders is the consumer loan rate reduction. This discount is designed to incentivize the use of ONB's seamless payment system and reward clients who consolidate their banking activities with the institution.

• The Discount: Clients can receive a 0.25% interest rate discount on various consumer loans.
• Applicable Loans: This often applies to products like auto loans (including auto refinancing), personal loans, and other installment loans.
• The Requirement: To qualify for this rate reduction, you must enroll in EZ Pay—an automatic payment system—from an existing Old National checking account.
• Value Proposition: While 0.25% might seem small, over the life of a multi-year auto loan, this can translate into hundreds of dollars in interest savings, significantly lowering the total cost of the loan and your monthly payment.

2. Home Equity Line of Credit (HELOC) Introductory Rate Discount

For homeowners looking to tap into their home equity for renovations, debt consolidation, or other large expenses, the HELOC introductory offer provides a substantial initial discount on the variable rate.

• The Discount: Old National Bank offers an introductory discounted variable rate for the first 6 billing cycles of the HELOC.
• The Rate Reduction: This introductory rate is based on a significant 1.50% rate discount.
• Current Example: Depending on the prevailing prime rate, this introductory discount can lead to a variable Annual Percentage Rate (APR) as low as 4.85% during the initial draw period.
• Key Takeaway: This is a powerful, short-term incentive to begin a project, offering a much lower rate before the standard variable rate adjusts. It's a critical factor for anyone comparing HELOCs from different financial providers.

3. High-Value Checking and Business Account Cash Bonuses

Old National Bank frequently runs aggressive cash bonus promotions to attract new deposit clients. These offers are especially lucrative, providing a lump-sum cash reward for opening a qualifying checking or business account and completing a set of activities.

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• Personal Checking Bonus: New checking clients can earn a bonus of up to $450 by opening a qualifying account (such as ONB Everyday or Preferred Checking) and completing necessary activities like setting up direct deposit or maintaining a minimum balance.
• Business Banking Bonus: For small to mid-sized businesses, ONB offers an even higher incentive, with a bonus of up to $500 for new deposit clients who open an Access Business Banking Checking or Pro Access Business Banking Checking account and complete qualifying activities.
• Promotional Dates: These offers are time-sensitive. For example, some checking offers are valid for accounts opened between November 2025 and January 2026, while specific business offers are valid from April 2025 to September 2025.
• Eligibility Entity: The key entity here is the "new deposit client" status, meaning the bonus is typically not available to existing account holders.

4. Competitive Certificate of Deposit (CD) and Savings Rates

While not a "discount" in the traditional sense, Old National Bank offers highly competitive, promotional Annual Percentage Yields (APYs) on Certificates of Deposit, which function as a powerful savings incentive.

• Short-Term CD Offer: ONB has advertised a competitive APY, such as 3.75% APY, on a 5-month CD.
• Longer-Term CD Rates: Rates for longer-term products, like an 18-month CD, have been advertised at a 2.96% interest rate (3.00% APY).
• Key Requirements: Promotional CDs often require a minimum deposit, typically $500, and may be designated as a "New Money Deposit Offer," meaning the funds must be new to the bank.
• Topical Authority Insight: These rates are subject to change based on the Federal Reserve's monetary policy, so checking the current rate sheet is essential, but ONB consistently aims to offer market-leading APYs on specific CD terms.

5. Specialized Mortgage Discounts for Select Clients

Old National Bank also extends specialized rate discounts on home mortgages to certain groups, recognizing the value of these long-term customer relationships.

• Private Banking Discount: Clients who qualify for ONB's Private Banking services are eligible for an exclusive discount on their home mortgage rate.
• Associate Discount: Bank employees (ONB associates) also receive a dedicated discount as part of their employment benefits package.
• Important Note: Clients who qualify for both the Associate Discount and the Private Banking Discount must choose one; they cannot be combined. However, either of these specialized discounts can often be applied in addition to any general promotional discounts the bank is offering at the time.
• LSI Keyword: This highlights the value of the "relationship banking" model, where the depth of your relationship with the institution unlocks better pricing.

Maximizing Your Old National Bank Relationship: How to Qualify

To fully capitalize on the "Old National Discount" ecosystem, potential and current clients should focus on two key areas: relationship depth and timing.

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Deepening the Banking Relationship

Many of the best discounts, particularly the 0.25% consumer loan rate reduction, are explicitly tied to having a core checking account. By using an ONB checking account for your primary transactions and setting up automatic payments (EZ Pay), you immediately qualify for better pricing on lending products. This is the cornerstone of relationship banking and a core strategy for maximizing your personal savings and financial health.

Understanding Promotional Timing and Eligibility

Cash bonuses for checking and business accounts are almost always restricted to "new clients." If you are an existing client, you may not be eligible for the large cash incentives. However, you can still benefit from the loan and HELOC rate discounts. Furthermore, all promotional offers, including the attractive CD APYs, have specific start and end dates. Always verify the current dates and "qualifying activities" (like minimum deposit requirements, direct deposit amounts, or transaction counts) before opening a new account to ensure you meet all criteria for the bonus payout.

Topical Authority Entities: Old National Bank, ONB, Consumer Loans, Auto Loans, EZ Pay, Home Equity Line of Credit (HELOC), Introductory Rate, Certificate of Deposit (CD), APY (Annual Percentage Yield), Checking Account Bonus, Business Banking, Mortgage Discount, Private Banking, Associate Discount, Qualifying Activities, Minimum Deposit, Relationship Banking, Financial Health, Deposit Client, Variable APR, Installment Loans.

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