Old National Bank Marketing Mix
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Discover how Old National Bank's product offerings, pricing architecture, distribution channels, and promotional tactics combine to create competitive advantage; this concise snapshot teases strategic insights and gaps. Want the full, editable 4Ps Marketing Mix Analysis—complete with data, examples, and slide-ready formatting—to benchmark, present, or implement these tactics? Purchase the complete report for instant, professional-ready use.
Product
Business banking suites
Old National Bank business banking suites deliver comprehensive checking and savings for small, mid-market and nonprofit clients, with analyzed accounts, interest-bearing tiers and sweep features tailored to operational needs. Bundled benefits include fraud protection and cash-flow tools to streamline treasury functions. Designed to scale as clients grow, addressing needs across the US market of roughly 33.2 million small businesses (2023).
Commercial lending solutions
Old National Bank's commercial lending solutions include lines of credit, term loans, equipment finance and real estate lending to fund working capital and expansion; the bank reported roughly $51 billion in assets as of 2024, supporting scale and SBA/USDA program delivery to improve terms and eligibility. Underwriting balances speed with relationship-based risk assessment, while flexible covenants and tiered draw structures align facility availability to industry cycles.
Treasury & cash management
Old National Bank Treasury & cash management offers ACH (over 30 billion ACH payments network-wide in 2023), wire, positive pay, remote deposit, lockbox, and payables/receivables automation to reduce DSO, enhance liquidity and mitigate fraud; the platform integrates with leading ERP/accounting systems and provides analytics dashboards that surface real-time cash positioning and actionable liquidity insights.
Merchant & payment acceptance
Old National Bank merchant & payment acceptance delivers card acceptance, gateways and POS integrations for in-person and eCommerce, supporting contactless, digital wallets and recurring billing. Interchange optimization and chargeback management improve margins; contactless payments surpassed 50% of in-person volumes globally in 2023 per industry reports. Unified reporting speeds reconciliation and reduces back-office workload.
- Card acceptance, gateways, POS
- Contactless, digital wallets, recurring billing
- Interchange optimization, chargeback management
- Unified reporting for faster reconciliation
Wealth, retirement & advisory
Old National Bank Wealth, retirement & advisory integrates 401(k), ESOP, executive benefits and owner wealth planning with trust, investment management and succession/exit advisory; fiduciary guidance aligns plan design to employee outcomes and corporate goals. In 2024 U.S. defined-contribution assets exceeded 9 trillion USD, underscoring scale and need for coordinated fiduciary advice. The holistic approach links corporate and personal financial goals to improve retention and exit outcomes.
- 401(k) / DC plans: fiduciary-led design
- ESOPs & succession: exit liquidity focus
- Executive benefits: retention + tax planning
- Trust & investment management: AUM integration
Banking suite for SMBs to mid-market - $51B assets, 33.2M SMBs
Old National Bank product suite spans business checking/savings, commercial lending, treasury, merchant services and wealth/advisory, designed to scale from SMBs to mid-market. $51B assets (2024) fund loans and SBA/USDA delivery; US small-business market ~33.2M (2023). Integrated cash management and merchant tech reduce DSO and reconciliation burden.
| Product | Metric | 2023/24 |
|---|---|---|
| Assets | Total assets | $51B (2024) |
| Market | US SMBs | 33.2M (2023) |
| ACH | Network volume | 30B+ (2023) |
What is included in the product
Detailed Word Document
Delivers a concise, company-specific deep dive into Old National Bank’s Product, Price, Place and Promotion strategies, grounded in actual brand practices and competitive context. Ideal for managers and consultants needing a structured, ready-to-use analysis for reports, benchmarking, or strategy workshops.
Customizable Excel Spreadsheet
Condenses Old National Bank’s 4Ps into a clear, one-page view that relieves strategic friction—ideal for leadership briefings, cross-functional alignment, and quick customization for reports, decks, or competitive comparisons.
Place
Midwest branch footprint
Old National Bank, headquartered in Evansville, Indiana, maintains convenient access across core Midwestern markets with more than 200 branches serving regional clients, enabling efficient onboarding and cash services. Branch teams deepen relationships and build community trust through local responsiveness and tailored solutions. Business bankers coordinate specialized resources—treasury, lending, and cross-border payment teams—to support growing commercial clients.
Digital and mobile platforms
Old Nationals digital and mobile platforms deliver 24/7 account access, payments and treasury functions, with McKinsey reporting over 70% of retail interactions moved to digital by 2024. Secure features include biometrics and adaptive authentication for fraud reduction, while self-service tools shorten time-to-task for busy owners and digital onboarding often accelerates account opening to under 10 minutes.
Relationship managers
Old National Bank assigns dedicated relationship managers and industry specialists (ONB) to deliver tailored solutions across healthcare, manufacturing, real estate and nonprofit sectors, leveraging a focused commercial-banking model. Regular portfolio reviews proactively adjust credit and cash strategies to manage sector-specific volatility and liquidity needs. The white-glove service model differentiates ONB from commoditized providers by emphasizing personalized advisory and execution.
Allied partners & networks
Allied partnerships extend Old Nationals reach by integrating fintechs, payment processors and ERP vendors to accelerate distribution and product breadth; industry data shows 2024 bank-fintech collaborations surged, driving faster digital adoption.
Referral networks with CPAs, attorneys and brokers generate higher-quality leads and co-delivery models improve client retention and cross-sell; partnerships enable rapid rollout of new capabilities.
- Integration: fintechs + ERP + processors
- Referrals: CPAs/attorneys/brokers
- Outcome: better stickiness & faster capability adoption
ATMs, cash vaults & RDC
Old National's ATMs, armored cash vaults and remote deposit capture lower branch dependency for deposits/withdrawals, supporting after-hours and dispersed operations; the bank reports ~$48.5B in assets (2023) and a regional ATM network (600+ access points) that improves cash efficiency and security for multi-site businesses.
- Reduced branch trips
- 600+ ATM access points
- Armored vault cash services
- RDC for 24/7 deposits
200+ branches, 600+ ATMs and $48.5B AUM fuel 24/7 digital onboarding
Old National combines 200+ branches and 600+ ATMs with digital platforms (70% retail digital interactions by 2024) and RDC/armored vaults to serve ~$48.5B AUM (2023), enabling fast onboarding, 24/7 access and industry-tailored distribution through bankers, fintech/ERP integrations and referral networks.
| Metric | Value |
|---|---|
| Branches | 200+ |
| ATMs | 600+ |
| Assets | $48.5B (2023) |
| Digital shift | 70% retail (2024) |
What You See Is What You Get
Old National Bank 4P's Marketing Mix Analysis
The preview shown here is the actual Old National Bank 4P's Marketing Mix Analysis you'll receive instantly after purchase—no surprises. This comprehensive, editable document covers Product, Price, Place and Promotion with ready-to-use strategic insights and data. You're viewing the exact final file included with your order.
Promotion
Community engagement
Old National Bank (Old National Bancorp, NASDAQ: ONB), headquartered in Evansville, Indiana, leverages sponsorships, employee volunteerism, and CRA-focused initiatives to elevate brand trust and local goodwill. Visibility at local business events targets regional decision-makers across its Midwestern footprint. Storytelling of inclusive impact and community roots reinforces long-term relationships and customer retention.
Education & content
Workshops, webinars, and guides on cash flow, fraud prevention, and growth financing position Old National bankers as advisors rather than sellers; 72% of B2B buyers use content to evaluate providers (LinkedIn 2024). Webinars average ~40% attendance of registrants while gated guides often deliver double-digit lead conversion, and consistent monthly cadence plus lead magnets fuels nurture streams that can triple conversion rates.
Targeted B2B outreach
Account-based marketing at Old National leverages CRM insights and firmographics to target high-value commercial accounts, aligning with Demandbase 2024 findings that 97% of B2B marketers report higher ROI from ABM. Personalized proposals tie industry pain points to client data and financial benchmarks, increasing relevance. Email, LinkedIn and direct calls coordinate multichannel touches for sustained engagement, while pipeline reporting quantifies conversion rates and sharpens ROI measurement.
Cross-sell & referrals
Existing Old National clients receive tailored offers across lending, treasury, and wealth, with onboarding journeys surfacing add-ons at milestone moments to boost share of wallet and retention.
- Targeted cross-sell
- Incentivized referrals
- Milestone onboarding
- Higher retention
PR & thought leadership
PR and thought leadership—media placements, economic commentary, and banker spotlights—build authority for Old National Bank, supported by Edelman 2024 which found 62% trust in financial institutions; awards and case studies validate outcomes and reduce perceived risk, while executive panels expand reach and reputation lowers acquisition friction, improving conversion efficiency.
- media-placements
- economic-commentary
- banker-spotlights
- awards-case-studies
- executive-panels
- reputation-reduces-friction
Local trust plus ABM and content/webinars lift retention, referrals and ROI
Old National drives local trust via sponsorships, PR and community CRA work (Edelman 2024: 62% trust), positions bankers through content/webinars (LinkedIn 2024: 72% use content; webinars ~40% attendance) and scales ROI with ABM (Demandbase 2024: 97% report higher ROI). Cross-sell, referrals and milestone offers lift retention and share-of-wallet.
| Metric | 2024/25 |
|---|---|
| Trust | 62% |
| Content influence | 72% |
| Webinar attendance | ~40% |
| ABM ROI | 97% |
Price
Tiered account pricing
Old National’s tiered account pricing scales checking and treasury fees by balances, activity, and features, with fee waivers tied to relationship thresholds or bundled services; this structure encourages consolidation of deposits and services, while transparent tiers simplify cross‑product comparisons for business and retail clients.
Rate and fee benchmarking
Loan rates and deposit yields at Old National Bank are benchmarked to market indices such as SOFR and to risk-based spreads reflecting borrower credit profiles, ensuring alignment with prevailing market conditions. Treasury and merchant service fees are regularly compared to regional peers to keep pricing competitive and transparent. Periodic (typically quarterly) reviews and clear published fee schedules minimize surprises for customers.
Relationship bundles
Old National bundles discounts across lending, deposit and treasury products, aligning pricing to encourage cross-selling and reduce customer cost-to-serve.
Tiered ACH and wire pricing lowers unit costs as volume grows, supporting clients with higher transaction flows and improving bank margins.
Merchant services and remote deposit capture are packaged for omnichannel needs, enabling seamless in-person, mobile and e-commerce acceptance.
These bundles drive mutual value and loyalty by deepening relationships and raising switching costs for customers.
Promos & incentives
- intro-fees-waived
- treasury-credits-up-to-thousands
- SBA-fee-support-when-eligible
- rate-enhancements-25-50bps
- seasonal-targeting-healthcare-construction
- measurable-lift-8-15%-guides-renewal
Flexible terms & transparency
Flexible pricing at Old National aligns custom amortization, covenants and collateral to borrower cash flows while disclosing prepayment and maintenance fees upfront; digital calculators show total cost and savings and governance frameworks ensure compliance with OCC/FDIC rules. As of 2024 Old National operates across 10 states with ~34 billion in assets, reinforcing scale and pricing oversight.
- Custom amortization
- Upfront fee disclosure
- Digital cost calculators
- Pricing governance & compliance
Tiered relationship pricing, SOFR spreads, treasury credits, $34B
Old National uses tiered, relationship‑based pricing to drive consolidation and simplify comparisons; loan/deposit spreads reference SOFR with risk‑based margins. Bundled discounts, fee waivers and treasury onboarding credits (up to $3,000) boost cross‑sell and loyalty; seasonal rate enhancements (~25–50 bps) yield measured campaign lifts of 8–15%. As of 2024 Old National reports ~34B assets, supporting pricing governance and compliance.
| Metric | Value |
|---|---|
| Assets (2024) | $34B |
| Rate enhancements | 25–50 bps |
| Campaign lift | 8–15% |
| Treasury credits | Up to $3,000 |