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1. Check Fraud is Up: 4 Steps to Protect Yourself
   Protect against check fraud. Pay by credit card, debit card, ACH transfer. checks are the most vulnerable. The safest check is one that’s not written.
2. 4 Estate Planning Documents Everyone Should Have
   Thinking about death can be… unpleasant. But when it comes to guarantees in life, death is one of the few.
3. Five Retirement Myths vs the Reality
   You may be looking forward to retirement, but misinformation could complicate your plans. This article reveals five common myths around retirement, how to recognize them and how to work around them
4. To Raise Prices or Not to Raise Prices: Tariff Tips for Small Businesses
   Tariffs have put businesses and the customers they serve in a bind.
5. Accessing Financing amid Economic
   Credit access is a vital lifeline for many small businesses. Top tips for accessing financing amid economic uncertainty. access capital. Old National Bank helps small businesses
6. 3 Tips for Investing in Your 50s
   The years in your 50s are pivotal ages on the road to retirement. At this stage of life, you may be making plans for how you'll spend your senior years and when you'll close out your career. You might also be grappling with college tuition payments for your children or other expenses that eat up a lot of your income. T
7. How To Qualify For Paid Sick Leave If Schools Close
   Yes, you may be able to get unemployment benefits and paid sick leave if schools close. Here’s what you need to know. Paid Sick LeaveHow will you manage working and taking care of your child in the Covid-19 era? Many parents will face this dilemma, as some schools will be remote-only or a hybrid model, which includes b
8. PPP is gone, but government help for small businesses isn't
   The federal government’s Paycheck Protection Program provided small-business owners with just under $800 billion in COVID-19 relief, according to the
9. 5 creative ways to innovate your business in 2020
   Employees are the core of every business, but who says you cannot use cutting-edge technologies to boost their productivity? After all, we live in the 21st century and there's no need to do everything manually with so many apps, tools, and plugins at your disposal. Numerous studies prove this point, but we will highlig
10. 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.