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1. How do I set up a sub-user in Shared Access?

   As the primary user of digital banking, you have the ability to grant another person or persons (sub-users) access to your digital banking account. You have sole authority and control in sharing access with, managing and disabling sub-users and/or their respective authority. In setting up sub-users to your account, you authorize Old National to act on transaction instructions initiated under the credentials of authenticated sub-users, just as if it was initiated under your credentials. 
   
   Sub-users access is limited to web browser only.

   • From within a web browser, select Additional Services, then Share Access with Others. 
   • Select Add person. 
   • Enter the identifying information about the sub-users. 
   • Select Grant full access to all accounts or next to each account, select
   • Click to grant access to each individual account. 
   • You will need to setup if the account is View Only, can make internal transfers or bill payments.
   • If you choose to allow bill payments, you will need to set an approval limit as well. 
   • Click Save and then Continue to agree to the Terms of Use. 

   The sub-users will receive an email at the address you provided and will need to setup their access within 30 minutes. They will log in and verify identity with the phone number you provided. The sub-users will then be able to log in to your account with their own user ID and password.

2. What costs will I have to pay at a mortgage closing?

   Closing costs include a number of fees and will vary based on your agreement, your loan, your lender and even what state you live in. But you typically can expect to pay between 2 and 5 percent of the home’s purchase price to cover these costs.

   You can expect to see fees for the third parties and reports involved in your home purchase (including attorneys, couriers, title searches, inspections, appraisals, surveys, transfer records, property research, underwriting and more), and you also may have to pay for any upcoming property taxes.

   Insurance also plays a large role in closing costs. For example, you may need to pay your premium for the first year of homeowner’s insurance at closing, as well as title insurance, and Private Mortgage Insurance (if your down payment is less than 20 percent).

   Your mortgage expert can provide an estimate of these closing costs after you apply for your mortgage.

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