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1. 4 things that might explain the labor shortage hitting the reopening American economy
   9.7 million people are actively seeking work, but businesses are reporting major labor shortages. The New York Times reported on four reasons that might account for that disconnect. These include jobless benefits disincentivizing people to work and pandemic health concerns. See more stories on Insider's business page.
2. What Happens to Your Retirement Plan When You Switch Jobs
   When switching jobs, there are a number of considerations for what to do with the money in your previous retirement plan.
3. Common Financial Weaknesses and How to Overcome Them
   Everyone has different financial weaknesses, some more common than others. These can include overspending, living beyond your means, not having an
4. The Median Home Sale Price in July Was $406,700. Will Prices Ever Come Back Down?
   A recent National Association of Realtors report showed that the median existing-home price for all housing types in July 2023 was $406,700.
5. Don't Get Taxed by Surprise: Year-Round Tax Planning Tips
   By Brad Wright, CFP ‘Tis the season…for taxes. Actually, you should be thinking about taxes year-round. Yes, good times indeed, but when it comes to
6. The Impact of Private Equity on the Franchise Industry
   The capital infusion private equity brings to the franchise industry is an exciting way to grow for many brands, so long as they’re willing to open themselves up to outside influence. The relationship between franchising and private equity is a complex one that only continues to pick up steam in our industry. As more a
7. Employee expectations are changing. Here are 5 ways to keep up
   Even before the pandemic disrupted life as we know it, the human resources department was feeling the pressure to evolve. Due to the ease of use of consumer apps and websites, employees simply expect more. The need for a better way to connect with colleagues and improved accessibility of core people systems and service
8. 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.

9. 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.

10. What are the different ways I can make a payment on my Old National loan?

    For personal loan payments (not including mortgage loans), we offer several options:

    • Use Online Banking to transfer funds from an Old National checking account or pay from an account at another bank for free. See our FAQs on transferring funds or paying from an outside account.
    • Download the Consumer Loan Auto Pay form to set up automatic payments. This form can be returned to a banking center or mailed to PO Box 3728, Evansville, IN 47736.  
    • Mail a check to PO Box 3728, Evansville, IN 47736
    • Pay by phone by calling Client Care at 1-800-731-2265, Option 4. (A fee will be associated if you pay by phone.) Payments made by phone can only be accepted as an electronic check (eCheck) and not by credit card or debit card. You will need your routing number and account number to pay by eCheck.

    For mortgage loan payments, here are several available options:

    • Use Mortgage Manager within Online and Mobile Banking to make a payment. Our guide for Accessing Mortgage Manager through Online and Mobile can help you get started. Once you have accessed Mortgage Manager, there are several ways to make payments explained in the following guides: 
      • Make a One-Time Payment - How to Make a Mortgage Payment guide
      • Enroll in Autopay - How to Enroll in Autopay guide
    • Mail a check to PO Box 3789, Evansville, IN 47736
    • Use the Mortgage Loan Auto Pay form to set up automatic payments on a mortgage
    • Pay by phone by calling Client Care at 1-800-731-2265, Option 4 (A fee will be associated if you pay by phone.) Payments made by phone can only be accepted as an electronic check (eCheck) and not by credit card or debit card. You will need your routing number and account number to pay by eCheck.