BankConnect Welcome Guide

WELCOME GUIDE
BankConnect™ Plus
ONLINE TREASURY
MANAGEMENT
information reporting
ach file transmission
wire transfer
positive pay
Updated September 6, 2016
WELCOME GUIDE
Contents
About BankConnect Plus.......................... 2
System Requirements ................................. 2
Accessing BankConnect Plus ...................... 2
Installing Trusteer Rapport .......................... 3
Logging In .................................................... 4
Password Administration ............................. 5
Home Page Navigation ................................ 5
Printing ........................................................ 6
Using the Help Function .............................. 6
User Administration ..................................... 6
Setup Screen ............................................... 7
Logging Out ................................................. 7
Reporting.................................................... 32
Online Statements .................................... 33
Viewing your Statements ............................ 33
Positive Pay Module................................. 34
Managing Check Issue Data ...................... 34
Exceptions.................................................. 36
Outstanding Issue Report ........................... 37
Support ..................................................... 38
Appendices ............................................... 39
A. Contingency Planning ............................ 39
B. ACH Best Practices ............................... 40
C. ACH Regulatory & Compliance
Information ............................................ 41
D. Bank Holiday Schedule .......................... 42
E. Deadlines & Data Availability Times ...... 43
F. Data Retention Schedule ....................... 44
G. Sample ACH Enrollment Agreements.... 45
H. Sample ACH Notifications of
Change/Return ...................................... 46
I. Common ACH Notification Codes .......... 47
J. ACH Database Field Definitions ............. 48
K. International Wire Transfer Settings ....... 50
L. Online Security Best Practices ............... 51
M. Required & Optional Fields for ACH
Databases ............................................. 52
N. Positive Pay Import File Specifications .. 55
Information Reporting Module.................. 8
Viewing Balances ........................................ 8
Transferring Funds ...................................... 8
Reporting ................................................... 11
Stops & Inquiries ....................................... 14
ACH Module ............................................. 18
Payment Application Types ....................... 18
Creating ACH Payments............................ 19
Recurring/Repetitive ACH Databases……..22
Creating & Releasing a Batch………………23
Exporting ACH Data .................................. 27
Notices of Returns & Changes .................. 27
Wire Transfer Module .............................. 28
Creating Wire Transfers............................. 28
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WELCOME GUIDE
About BankConnect™ Plus
Old National’s Online Treasury Management Service
BankConnect Plus is Old National Bank’s online treasury management suite designed for business
customers who need enhanced self-service capabilities. It is organized into four modules, each of which
can be selected and customized to your needs. BankConnect Plus’s modules are:

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Information Reporting: balance reporting, transaction history, special reports, balance transfers, loan
and line of credit transfers, image retrieval and stop payments.
ACH: electronic funds transfer to or from your Old National bank account including direct deposit,
electronic tax and child support, vendor payments, customer debits and represented check entries.
Wire Transfer: domestic and US dollar international transfers, activity reports with Fed confirmation
information and repetitive recipient information storage.
Positive Pay: daily report of any in-clearing check that does not match your issue list, with the option to
pay or return the item.
User access can be restricted by module, account or function – depending on your business needs. This
guide will detail how to use BankConnect Plus, how each module works and who you can call if you need
assistance.
System Requirements
To use BankConnect Plus, your computer must meet the following requirements:
 PC with Internet Connection (DSL, Cable, T1 or faster recommended)
 Microsoft Internet Explorer 6.0 Service Pack 2 or 7.0, Firefox 2.x
Note: the current version of BankConnect Plus is not certified compatible with Mac.
Accessing BankConnect Plus
To access BankConnect Plus, please go to the Treasury Management Information Center using the link
below. Click on BankConnect Resources, BankConnect Login.
www.oldnational.com/tmic
You may wish to add this address to your favorites in your browser at this time. You can also log into
BankConnect Plus through OldNational.com. Simply click BUSINESS above the online banking login box
and then click on BankConnect Plus from the list.
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2
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Click “Business”
Click BankConnect Plus
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Installing Trusteer Rapport
Trusteer Rapport is a software tool used by many of the largest
financial institutions to help secure online banking sessions. It plugs
into your web browser software, blocking malware and viruses from
impacting your activity for sites that are protected. Rapport is mostly transparent to you, though it will
prompt you to approve the use of same password or credit card on protected sites and will ask for your
approval of the use of the Print Screen key on your keyboard – both measures to guard against malicious
software.
When you visit the BankConnect Plus login page, your browser will be checked to see if Rapport is
installed. If it is not installed currently, a splash page will pop-up on top of your BankConnect Plus session.
As a BankConnect Plus user, all PCs that access the service are required to have Rapport installed. To
download Rapport, click the Download Now button in the pop-up window.
Splash Page
Download Button
Security Tip: Please note that Old National does not commonly utilize pop-up pages of this variety and you
should be suspicious of such pop-ups. If you doubt the legitimacy of a pop-up message while using
BankConnect Plus, call us at (800) 844-1720, Option 1.
After clicking the Download Now button, a new browser window will open, taking you to the Rapport
download page. To install, click the blue Download Rapport Now button. You will be asked if you want to
download RapportSetup.exe – click the Run button. After downloading, you will be asked if you want to run
the download – click the Run button. Rapport will install and, once complete, wait for the browser window
to refresh to run a compatibility check. It will refresh to confirm the installation was successful. If the
installation was unsuccessful, contact us at (800) 844-1720, Option 1 for troubleshooting help.
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Upon completion of the installation process, your browser will have a
icon in the address bar that will
either be gray or green. Green sites are protected sites, whereas gray sites are not protected. You can
manually protect sites by clicking on the icon and selecting Protect this webpage. For more information on
how to use Rapport, click the icon and click Open Console.
Rapport Icon
Logging In
If this is your first time logging into BankConnect Plus, you will have received your Organization ID, User
ID, and temporary password from Old National’s Treasury Management Support. In addition to these three
fields, you will also be asked to register security questions & provide your answers as well as your contact
numbers to complete the login process for the first time. After that, you will only be asked to answer your
security questions when our security monitoring indicates unusual behavior such as logging in from a
different IP address, logging in at an unusual time for you, etc. For more information regarding the security
question process please refer to the “Security Question Reference” Guide on TMIC
(www.oldnational.com/TMIC)
On the login screen, enter your Organization ID, User ID and password in their designated boxes. After
button, a prompt to begin your registration will appear.
clicking the
Missing Your Login Information or Token?
If you did not obtain this information or have not yet received your token (you will need a token to release
payments), you will not be able to log in or release payments. Call Old National Treasury Management
Support at (800) 844-1720, Option 1 to check on the status of your setup.
Secure Token Authentication 
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Your security is a top priority for Old National. To help
protect you from online hacking, phishing or information
theft, BankConnect Plus utilizes secure token
authentication to release payments. A token is a small,
plastic device that has a keypad on it.
When releasing a payment, you will be prompted to
enter your Token Passcode. To generate your token
passcode, press the button on the token. Enter your
four-digit PIN number for the token. If you enter this
correctly, a six-digit passcode will appear. Type this
passcode into the BankConnect Plus field. The
passcode will be valid once and then will change upon
entering your PIN again.
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Press  and enter PIN
540268
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3
Passcode appears
Enter Passcode
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You can change your token PIN at any time, if you prefer. Simply press the button and enter your
current PIN number. When the passcode appears on the display, press and hold the until “NEW PIN”
appears. Enter your new PIN. The display will then say “PIN CONF.” Enter your new PIN a second time.
If it is successful, it will say “NEW PIN CONF.”
Password Administration
Upon your first time logging into the system, any time an Old National associate or your System
Administrator resets your password, or every 45 days, you will be prompted by BankConnect Plus to
change your password. Your password must meet the following requirements:
 Minimum 8 characters in length
 Includes at least one alpha character and one numeric character
 Must be different than any password used in the last 90 days
You may also change your password at any time by clicking Setup from the Module Menu and selecting
Change My Password.
Home Page Navigation
Once you have logged in, you will be taken to the below screen. This section will detail a few of the
features of the Home Page Dashboard.
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On the Home Page, you will find four main components:
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Module Menu: list of the different functional areas of BankConnect Plus to which you can navigate.
System Notices: messages that draw your attention to reports or items that may need your attention.
Bank Notices: messages from ONB such as user guides, holiday reminders and change notices.
Balances & Activity: summary of your accounts and balances with quick navigation links (note that
this section will only appear if your have the Information Reporting module enabled).
From the Home Page, you may also export data in a Comma Separated, Tab Separated or Quickbooks**
format. **You must first subscribe to the Quickbooks download before you would see the option**.
Click on the hyperlink for one of your accounts. Select your criteria, then click on DOWNLOAD RESULTS.
You may now select the type of format you need and click on CREATE DOWNLOAD FILE. You will
receive the following message:
The Dashboard page is your home page. The file will be available in the “System Notices” section.
Printing
To print a screen in BankConnect Plus, it is recommended that you use the
button in the upperright corner of the window. Using your browser’s print function may cause some of your information to not
print correctly.
Using the Help Function
Each screen has a context-specific help button available. On some pages, it can be found in the upperbutton, whereas other screens may have the button found at
right corner of the window above the
the bottom of the page. To get help on a section, click the
button.
User Administration
Clients have the ability to have a System Administrator manage their own users and user privileges. If you
have any questions about entitling a User, Old National Treasury Management Support will guide you
through the process to make sure your users have the access you intend. TM Support: (800) 844-1720,
Option 1 or email us at TMSupport@oldnational.com.
You many also find help on TMIC (www.oldnational.com/TMIC) under BankConnect Resources, User
Guides & presentations, “Guide to User Administration in BankConnect”.
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Setup Screen
The Setup Screen gives you access to various functions and settings. To access the Setup Screen, click
Setup at the bottom of the Module Menu. Your options will vary depending on the modules you have
enabled and your level of access, but from this screen, you can:
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Change your password
Set your Home Page Dashboard preferences
Send a secure message to our support team
Audit Stop Payment, Positive Pay, Balance Inquiry, Transfers, ACH Batches, Wire Transfers and other
Reporting Activity
Create Positive Pay issue import formats
Create Wire Transfer entry templates
Create ACH import formats
View our holiday calendar
View your ACH settings
Logging Out
Logging out is simple – simply click the Logout link above the Module Menu along the left side of the
screen. It is important to log out to protect your account from unauthorized access and also to prevent
yourself from possibly being locked out of BankConnect Plus.
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Information Reporting Module
BankConnect Plus’s Information Reporting module gives you access to your
account balances, transaction history, images of items, funds transfer, stop
payments, reports, electronic statements (called Online Statements) and data file
downloads. This section will detail each of these options.
Menu Focus
Viewing Balances
To access the Balance Summary Screen, click Balances from the Module Menu.
You will be taken to a screen from which you can select the account from a list of
your active BankConnect Plus accounts. Eligible accounts include checking,
savings, certificates of deposit, loans, lines of credit and Fidelity investment
accounts – all in one location for convenient access.
Once in the screen, you have two options to find the account you wish to query. The first option is to click
the arrow in the drop-down box, select the account, and click View Balances. You may prefer, however, to
click the
button to pop-up a search window. Enter the Account Description (nickname) and/or the
Account Number and click Search Account(s) to complete the search.
After selecting your account and clicking View Balances, you will get a
result screen that details your account’s current available, ledger and
collected balances, your one and 2+ day deposit float, and any
applicable year-to-date interest and your current interest rate. You can
use this information to manage your daily cash position.
The Balance Summary screen will only display current day balance
information. If you wish to view historical information, the Balance
Summary Report will give you data for the past 30 days.
Transferring Funds
You can transfer funds among your Old National accounts in real-time until 10:00 PM ET (9:00 PM CT) on
banking days. This includes making transfer to and from checking and savings accounts, making loan
payments, and drawing on lines of credit. To access this function, click Transfers from the Module Menu.
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Along the top of the screen, there are three menu options for this module: Make Transfers, Scheduled
Items, and Transfer History. First, we’ll look at the Make Transfers option.
Make Transfers
Under Make Transfers, you can create one-time transfers or create a template for regularly occurring
transfers. There are two tabs above the entry boxes on this function:
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Single Transfer: simple, one-time transfers between two accounts

Multiple Transfers & Temp.: perform multiple transfers from a single screen and to save those transfers
as a template for common transactions (such as a transfer from your operating account to your payroll
account or a payment to your line of credit from your operating account)
Making a Single Transfer
Creating single transfers is a three-step process:
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Select accounts, enter amounts and set frequency
2
Review for accuracy, change date if needed
3
Receive transfer summary
First, in the Define step, select your From Account, To Account, enter the Amount you wish to transfer, the
Frequency of how often you would like the transfer to occur, and any Comments you’d like to appear in
your activity detail. You can also check the Save as Multi-Entry Template box to assign the transfer a
nickname and save it to the Multiple Transfers & Temp tab. Once you’ve entered this information, click the
button.
Step 2 is the Review screen. Double-check what you entered on the Define screen, and make any
changes you desire. You can change the amount, your comments, the accounts involved in the transfer,
and the effective date from this screen. When you are ready, click the
button to proceed.
Step 3 is the Summary screen that confirms your transfer was completed successfully. From here, you can
click to create a new transfer or move on to another function using the menu.
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Making Multiple Transfers and Templates
The Multiple Transfers & Temp tab is located above the From
Account field on the Single Transfer tab. Click the tab to
activate this function.
From the tab, you can select to repeat a transfer you previously
saved as a Multi-Entry Template or you can create a new
template. You will see a list of existing templates, as well as
blank lines you can use to create new templates.
First, you will select the transfer or transfers you wish to perform by checking the boxes to the left of each
row. You can select all templates by checking the box to the left of Nickname. You can modify any of the
default values from this screen easily by deleting and typing in your values for this transfer, or you can edit
your template by clicking the Edit link at the end of the row.
If you wish to add a transfer template, you can do so by checking the box next to the blank row, giving the
transfer a nickname, selecting your accounts, and then entering a default transfer value, an effective date
for the first transfer, and any comments. If you need to add more than one template, simply click the
button.
Once you are ready to move to the next step, click the
button. The remaining steps are identical
to the Single Transfer process – you will review your transfer and then receive a confirmation that it has
been completed. Next, we’ll look at the Scheduled Items option.
Check the box(es) to select the Transfer(s) you wish to perform
Type a nickname to create a new template
Edit the template defaults
Change amount, date or comments
Scheduling Future Transfers
In the Single Transfer screen, there are options to have a
transfer recur more than once and to forward-date transfers.
To manage your scheduled and future-dated transfers, click the
Scheduled Items link from the top menu bar.
The results screen will give you a search box at the top to help
you find a particular transfer, as well as a list of all pending
transfers. Once you locate the transfer that you wish to change
or cancel, simply click the amount of the transfer. You will then
be able to edit or delete the transfer.
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Transfer History
The final menu option under Transfers is Transfer
History, which can be accessed on the top menu bar.
Simply enter your search criteria and click the
button.
The results screen will show the date, nickname, to / from
accounts, amount, status, comments, and a reference
number.
Reporting
BankConnect Plus has several a la carte reports available with different modules. This section will cover
the optional reports specific to the Information Reporting Module, as well as the Transaction Search
function and the optional BAI2 Export feature. Other modules’ reports will be covered in their respective
section of this guide.
Available Reports
Below is a table of reports you can opt to receive using the Information Reporting Module:
Report Name
Account Statement
Top Menu Section
Information Reporting
CD Statement
Description
Ending balance summary plus itemized list of
debits and credits
Daily summary of closing ledger, available and
collected balances plus deposit float totals
Summary information of certificates of deposit
Cleared Checks Report
Listing of paid checks from your account
Information Reporting
Combined Report
Two options: Balance Summary with Interest
or Transaction List
Balance and transaction information on loans
and credit lines
Combined Report updated for current-day
transactions
Loan Statement updated for current-day
transactions
Notices of sweeps to or from your Business
Investment Account
Addenda detail on incoming ACH transactions
Information Reporting
Balance Summary
Loan Statement
Current Day Account
Statement
Current Day Loan Statement
Repurchase Agreement
Notices
Incoming ACH Report
Information Reporting
Information Reporting
Information Reporting
Information Reporting
Information Reporting
Special Reports
Special Reports
To create a report from the Information Reporting menu, click on the name of the report from the table,
select the date range and account(s) for which you’d like information, and then click
to view the
report or
to download the data to either a Comma-Separated Value (CSV) or Tab-Separated Value
file.
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Special Reports can be displayed by selecting the account and date information and then clicking on the
report name. Special Reports include:
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Incoming ACH Transaction Report: optional add-on report for the Information Reporting Module;
displays current-day ACH transaction detail
Repurchase Agreement Notices: if your checking account is tied to a business investment sweep,
you will receive your transaction notices using this special report
Outstanding Check Issue Report: optional add-on to the Positive Pay Module discussed later in this
guide; provides a list of checks reported as issued that have not yet been presented to Old National for
payment
Notification of Change/Return: included with the ACH Module; provides information about any
changes made to ACH recipients’ bank information and notices of any returned transactions
All of these reports can be printed from the viewer window and some have export capabilities.
Searching for Transactions
The Transaction Search function can be selected from the top
menu and will prepare a custom report or download for
transactions that match the criteria you enter. Your search
options include:
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
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
Data Type: Previous Day or Current Day
Transaction Type: All Transaction Types, All Credits, All
Debits, ACH/PreAuth Credits/Concentration, Checks
Paid/Payable-Through Draft, Deposits, Lockbox, Money
Transfer, Reversal/Adjustment/Returns, Securities, ZBA
and Disbursing, Other Credits, and Other Debits
From Date / To Date
Account Number
From Amount / To Amount
Serial Number
Reference Number
to view a report or
Once you have entered your criteria, click
to download a file.
Exporting BAI2 Data
You may opt to add BAI2 Export capabilities to BankConnect
Plus. With this feature, you will be able to export prior day and
current day transaction information in a BAI2-formatted file to
update your accounting software. To create a BAI2 file, follow
these steps:
1. From the Reporting section, hover over BAI2 Export. A menu will drop down to give you the option to
download Current Day or Previous Day data. Click the type of data you wish to export.
2. Enter the date range for which you’d like data to be created. BankConnect Plus will retain the past 90
days’ BAI2 data for you.
3. Check the boxes next to the account(s) for which you would like data.
4. Click the
button.
5. You will need to click the Refresh button in your internet browser software.
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6. This message will appear above the date boxes. Click the link to download and save the file.
7. Save the file to your PC and you can then import it into your accounting software. Follow your
accounting software’s instructions for completing the file import.
Exporting Data for Quickbooks
You may opt to add Quickbook capabilities to BankConnect Plus. With this feature, you will be able to
export prior day and current day transaction information into a Quickbooks file to update your Quickbooks
software. To create a Quickbooks file in Reporting, follow these steps:
1. Click on Reporting, then click the Account Statement hyperlink. (If you subscribe to current day reports
you can also select the Current Day
Account Statement hyperlink).
2. Enter your report criteria. BankConnect
Plus will retain the past 90 days of activity
for you.
3. Click the
button.
4. You will receive the following message:
5. You will need to click the refresh button in your internet browser software. Once refreshed, you will see
the following message:
6. Click the link to open or save your .QBO file. **Note – you will need to save the .QBO file to a location
on your machine in order to import into your Quickbooks software.
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Exporting Data for Quickbooks Cont’d
To create a Quickbooks export file from your BankConnect Home page, follow these steps:
1.
2.
3.
4.
Click the Account hyperlink.
Enter your criteria. BankConnect Plus will retain the past 180 days of activity for you.
Click the DOWNLOAD RESULTS button.
Select Quickbooks (.qbo), click on CREATE
DOWNLOAD FILE.
5. You will receive the following message:
6. Click HOME to take you back to the dashboard page.
7. In your System Notices section, you will see that you now have a Successful Export in the format type
of Quickbooks (.qbo). Click on this hyperlink to open or save your .QBO file. . **Note – you will need
to save the .QBO file to a location on your machine in order to import into your Quickbooks software.
Stops and Inquiries
The Stops and Inquiries section of Information Reporting allows you to issue and cancel stop payments on
issued checks and to view images of checks, deposits and returned items from the past two years. This
section contains four functions: All Activity, Stop Payments, Monitor, and Approvals.
All Activity Inquiry
The All Activity link is a search tool that enables you to search for images of specific transactions. You can
search for Paid Checks, Deposit Tickets, Stop Payments, Check Status, or All Items in this function. Stop
To search, enter the criteria needed and click the
button to view the results. The
results will appear below the search box. The
results include your current balance information
and a list of matching items to your search
inquiry.
Once you have your search results, you can
download a data file of the information in a
Comma-Separated Value (CSV) or TabSeparated file by clicking the
button. You can also view images of the specific
items by clicking the button. If your search
results include more than 10 results, use the and
buttons to navigate to other pages of results.
Placing Stop Payments
The Stop Payments function has two options: Single Stop and Range Stop. Single Stop allows you to
place or cancel a stop payment on a single item, whereas Range Stop can be used to cancel a range of
checks.
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Placing or Canceling a Single Stop Payment
To place or cancel a stop payment on a single item, hover over
Stop Payments in the top menu and select Single Stop. First,
select the Account Number on which the check was issued,
enter the Serial Number of the check, its Amount, its Payee, the
Issue Date, the Stop ID generated by BankConnect Plus when
the stop request was created, your Action to either place or
cancel the stop payment, and the Reason for placing the stop.
You can complete the action by clicking the
button. When placing or canceling a stop payment, you
will receive a confirmation message with a notice that the stop payment request must be approved.
Next Step: A user with the authority to approve stop payments would then need to log into BankConnect
Plus and access Approvals in the top menu of the Stops and Inquiries section.
Placing a Range Stop Payment
There may be instances in which you need to place a stop payment on a group of checks in a sequential
serial number range. To do this, click Range Stop from the Stop Payments drop-down menu. Functionally,
the range stop works in the same manner as the single stop process. Simply enter the check information
as you did for the single stop, with the only difference being that the Serial Number field on the Single Stop
entry screen has been replaced by two fields: From Serial Number and To Serial Number. Bear in mind
that the serial numbers for the checks you are stopping must be consecutive in order for this to work
properly.
Checking the Status of a Stop Payment
Instead of placing or canceling a stop payment, you may instead wish to search for existing items to
determine their status. BankConnect Plus will retain the last 90 days of stop payment data.
To do this, enter the known information about the item (Account Number and Serial Number are required,
button. If your query has any matches, you will receive a results
at minimum) and click the
table with the below data.
Field
Serial Number
Status
Stop ID
Range of Stop ID
Description
Amount
Description
Internal trace number for the check that is generated when presented for
payment
Stopped: stop payment has been placed but check has not been presented
Internal trace number for the stop payment request
Range of check serial numbers included in the stop payment request
Dollar amount of the check
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Payee
Issue Date
Posting Date
Stop Effective Date
Stop Expiry Date
Check Icon
Person to whom the check was made payable
Date the check was written
Date the check was present to Old National for payment
Date the stop payment order was placed
Date the stop payment order will expire
Icon to click to view an image of the item if it has been presented to Old
National for payment
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Monitoring Activity
The Monitor function helps you track stop payment activity and has two components: Stop Payments and
User Totals.
Stop Payments Monitoring
To track issued stop payments, select Stop Payments from the Monitor drop-down menu. This function is
similar to the Check Status function in that it provides information about issued stop payments. It differs,
however, in that it serves as an audit trail for all requested stop payments – not just approved stop
payments. It will tell you if the Request Status is Received, Rejected, or Disapproved with a Notes section
to provide additional detail on the status. Also included in this data are the Reason, Trace ID and
Confirmation Number. Note that images of any received checks cannot be accessed from the Monitor
screen, but should be accessed using Check Status or All Activity.
User Activity Monitoring
The User Totals function allows you to search for stop
payments requested or cancelled by specific users, or on
specific accounts. You can narrow your search by entry date
and times during that date, making it easy to locate exactly
when a stop payment was placed, who placed it, and what its
status is currently.
Approving Stop Payments
The Approvals section is used to approve or confirm any stop payment activities – whether creating a new
stop payment or canceling an existing one. By clicking the Approvals link in the top menu, you will be taken
to a list of all stop payment actions that are pending approval. You can filter the list using the drop-down
box in the Criteria section, as well.
Within the results list, click the drop-down box in the Action column, and select whether you Approve or
button. Or, if you
Disapprove of the action requested. Once you’ve made your selection(s), click the
would like to start over on all changes you’ve made on this screen, click the
button.
Once you’ve made your changes, you will get a confirmation that the approval was successful.
Note: Stop payments can be entered into BankConnect Plus in real-time, unless Old National is completing
nightly processing. You will receive an error message if nightly processing is occurring, and will need to
submit your request at a later time.
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ACH Module
The ACH Module in BankConnect Plus allows you to create electronic transfers to
and from other bank accounts. Each payment type has specific uses, which this
guide will detail. Within this section, we will also address the use of enrollment
authorization forms, how to create a roster of accounts in the ACH module (called a
Database), how to create ACH payments (called batches) and how to manage
changes or returns as they occur. Appendix B of this guide includes some tips and
best practices for using ACH.
Menu Focus
Payment Application Types
There are several unique applications within the BankConnect Plus ACH module. In
order to effectively understand the purpose of each application, you will find below a short description of the
common ACH applications.
Note: You might not have access to each of these ACH types. If, at any point, you would like to add or
remove an ACH application from BankConnect Plus, contact your Treasury Management Representative.
Direct Deposit
Direct Deposit enables you to pay your employees electronically rather than using a paper check. Your
employees simply sign an authorization form and provide a cancelled check to enroll. Once you have
collected this authorization, you may either key enter or import a file into BankConnect Plus. Additionally,
salaried employees’ default net pay may be created and released automatically, reducing manual entry
efforts. Two business days before pay day, you will need to send the payroll file to be processed. On pay
day, the funds will be withdrawn from your account and deposited electronically into your employees’
accounts.
Consumer Debits
Consumer Direct Debit allows you to automate the collections process using the Automated Clearing
House feature of BankConnect Plus. Your customers simply sign an authorization form and provide a
cancelled check to start the service. Once you have collected this authorization, you may either key enter
or import a file into BankConnect Plus. On your chosen settlement date, funds are electronically withdrawn
from their bank account and deposited into yours. You will need to transmit your ACH batch at least one
business day prior to the settlement date for this type of transaction.
Corporate Collections and Payments
Corporate Collections and Payments gives you the flexibility to consolidate and disburse funds
electronically. This feature allows you to utilize local depository relationships for your locations which are
not in proximity to an Old National Bank financial center. Use BankConnect Plus to initiate a funds transfer
from the local depository accounts to your Old National concentration account. You may also use this
feature to transfer funds to these local depository accounts.
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Vendor Payment
The Vendor Payment application facilitates electronic payment to your business partners. This feature
allows you to control the payables process, by simply selecting the effective date of the payment. In
addition to the payment amount, detailed payment information can also be transmitted electronically (i.e.
invoice number(s), discount information, etc.)
Tax & Child Support Payments
Federal and state tax and child support payments may be submitted through the ACH module. You have
access to pay federal taxes through the EFTPS ACH application. You may also pay state taxes through
individual state tax applications. Child support payments can be paid at the state and federal level, as well.
Federal and state tax applications are updated regularly to ensure all applicable tax codes are available.
Please Note: You must enroll with EFTPS prior to submitting a federal tax payment through BankConnect
Plus. Please contact the EFTPS 1-800-555-4477 or visit http://www.eftps.com to learn more about the
ACH Credit enrollment process. For more information regarding state tax payments enrollment, please
contact your state tax authority.
Re-presented Check Entry
When a deposited check is returned to you for insufficient funds, you create an electronic re-presentment of
the check for collection. This electronic entry will be created using the bank routing and account number
located at the bottom of the returned check. Electronic items are allowed two presentments, giving your
company three total opportunities to collect, as opposed to the two offered with paper re-presentment.
Eligible Items include:
 is drawn on a depository financial institution, other than a Federal Reserve Bank or Federal Home Loan
Bank;
 contains a pre-printed serial number;
 is in an amount less than $2,500;
 Item was returned due to "Not Sufficient Funds," "NSF," or "Uncollected Funds"
 is dated 180 days or less from the date the entry is being transmitted to the Payee Bank
 is drawn on a Consumer Account
 has been presented (a) no more than two times as a check, or (b) no more than one time as a check
and no more than one time as an RCK entry
Please Note: You must disclose in writing at the point of sale or on your invoice that any returned checks
will be represented using the RCK method. Failure to do so is against regulatory rules, and may result in
suspension of RCK capabilities and/or penalties for non-compliance.
Creating ACH Payments
Creating an ACH payment is a three-step process. First, click the ACH Payments link in the Module Menu.
1
Create or Modify an ACH Database
2
Create a Payment Batch
3
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Release the Payment Batch for Processing
WELCOME GUIDE
Creating a New Database
The default screen on the ACH Payments link is the ACH Database List. This will provide you with an
alphabetized list of Databases that have been created by your BankConnect Plus users. They contain the
bank account information needed to transfer funds to or from your Old National Bank account. From this
screen, you can reuse, modify or create a new ACH Database.
Check the box(es) for
the Database(s) you
wish to use or edit
Browse Databases
by Name
Use the drop-down box
to select or deselect
multiple Databases
You will notice there are several buttons along the bottom of the ACH Database List screen. Most of the
buttons require that you select one or more Databases by checking their checkboxes prior to clicking the
button. Each button’s function is as follows:







Help: click for assistance with the ACH Database List screen
Delete: this will remove any Databases that have been selected
Add: this will create a new Database and add it to the list
Modify Database: this will edit the nickname, auto-generate and auto-release settings, settlement
defaults, and frequency settings for any existing Databases that have been selected
Create Batch: this will use the existing settings in a selected Database (recipients, account information
and amounts) and create a new batch
Import: modify existing Databases by importing a file of new information
Import Report: creates a report of what has been imported into the selected Databases
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If you would like to use or modify the recipient information in an existing Database, simply click on the
name of the Database. This section will cover each of the above buttons, with the exception of Help.
Note: Depending on your individual access rights, you may or may not be able to create or edit existing
ACH Databases.
To create a new Database, simply click the
button at the bottom of the Database list. You will first
select the Application type (see the first part of the ACH Module section for more on ACH Application
types). You will then need to give your Database a nickname – this will appear in the Database list once
you’ve finished creating the Database.
Effective Dates on Non-Business Days
Below Auto-Generate and Auto-Release is the default treatment if the effective date of a batch falls on a
non-business day. You can opt to have the batch release on the business day prior to that date or the next
business day.
Note: Remember that ACH guidelines require you to release a batch one business day or more prior to the
effective date (consult the NACHA guidelines at http://www.nacha.org for the rules). If you select the prior
business day option, you must make sure the batch is released within the guideline time period.
Filling in the Database
Once the Database has been created, you will need to fill in the
Database with payor or payee information. You will need to click the
button to get started.
Depending on the type of ACH application used in the Database, the
information required will vary. Appendices J and K in this guide provides a guide of terminology for
completing ACH Databases, as well as a table that details which field(s) are required and optional for each
Database type.
Enter the required information for each individual entry. Use the
button to save the current information
and to create another record, or click the
button to finish adding entries to the Database. The
or
button can be used to clear the fields you’ve entered for the current record only. After clicking the
button, you will get confirmation that the Database entry details were saved successfully.
Hint: Some fields, like payment amount, may change for each batch. Before creating a payment batch,
you should review the existing information to verify its accuracy. The Modifying a Database section below
explains how you can modify your existing ACH Database.
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Creating a Recurring or Repetitive Database
When creating a database, you have the option to select a repeating or recurring schedule for your
payments. At the bottom of the ADD DATABASE screen, you will see “Default Frequency: None”. If you
click on “None” it will open a new screen with options available to you to set up your recurring frequency.
Select your preferences and click on DONE. The first
time you send a batch from this database it will kick off
the recurring schedule. The recurring batch will need to
be approved. The approver will need to use a token to
approve the database. The sender will need to use a
token to release the very first payment. After that, the
schedule takes over and no human intervention is
required.
Changing Frequencies – If a transaction is scheduled
using the Frequency option, the processing begins in
advance of the specified date. For example, a
transaction scheduled for Wednesday may begin
processing on Monday. For this reason, if you change a
frequency, you should verify that the transactions are not
already being processed. Same goes with Deleting
Frequencies. If you change the frequency back to
NONE, you should verify that the transactions are not
already being processed. *If you make a change to a
recurring database, you will need to approve with token*
Modifying a Database
From time to time, you may need to modify an existing ACH Database, for various reasons. There are two
ways an ACH Database can be modified; you can modify its settings or you can modify its accounts and
amounts.
Modifying Database Settings
In the ACH Database List, check the checkbox to the left of the Database you wish to modify and click the
button at the bottom of the list. This will allow you to rename the Database, to turn on/off
Auto-Generate and Auto-Release, to change the default non-business day setting, and to change the
frequency of the Database. Changes will require approval by an authorized BankConnect Plus user. Refer
to the “Creating a New Database” section in this guide for more information about these settings.
Modifying Database Accounts and Amounts
To change the payees/payors in a Database, or to change their default
payment amounts, simply click on the name of the Database from the
ACH Database List. Your existing list of payees will be displayed in the
Database Summary. From this screen, you can modify the amount(s)
to be paid, hold payment(s), add new payees, and delete existing
payees. To modify a specific payee/payor’s information, such as their
bank account information, click on the name of that payee/payor.
button after making any changes.
Remember to click the
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Note: Your company’s security settings may require that an ACH Database be approved if changes are
made before it can be used. Consult the Status column in the ACH Database List to determine if a
Database is approved (“Active”) or pending approval.
Creating a Payment Batch
Once your ACH Database has been created and set to the
specifications desired, you will need to create a Payment Batch. First,
go to the ACH Database List and locate the Database for which you
wish to create a Payment Batch. Check the checkbox next to the
Database(s) desired, and click the
button. When the
Create Batch screen appears, enter the Effective Date for the batch (e.g. the date on which you want the
payment to occur), and select whether to conduct all transactions for the amounts specified or to do a
Prenotes Only transaction (which will simply test the validity of the account numbers, but no funds will be
button to proceed. You will be taken to
transferred). Once you have selected these settings, click the
the Batch List screen, from which you’ll release the batch.
Note: You are required to create and release a payment batch a minimum of two business days prior to the
effective date in order to remain complaint with NACHA regulations. Failure to do so may result in the
suspension of your ACH capability.
Releasing a Payment Batch
To release a Payment Batch, you will need to be on the ACH Batch List screen. You will be taken to this
screen following the creation of an ACH Batch, or you can access it using the top menu links within the
ACH Payments section. Transactions must be released prior to 7:20 PM ET (6:20 PM CT), or their
processing will be delayed until the following business day. Batches that reach the Submitted status are
those that have been successfully entered, approved and released for processing.
1
Batch is Entered into the queue
2
Batch goes through Approval and Pending
3
Batch is Released for processing
4
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Once processed, batch will be Submitted
WELCOME GUIDE
Check the box(es) for
the Batch(es) you wish
to release
Click the Release
button to process
Click the Status to
view more information
Locate the Batch or Batches you wish to approve, check the
checkbox and click the
button. A pop-up window will ask
you to enter a new passcode from your token. Enter your four-digit
PIN number into the token and enter the new passcode into the
pop-up window and click the
button. Once completed, the
Batch’s status will change following release. Most statuses are
hyperlinked, with additional information given.
Approved Statuses
 Approved: the batch was released and further authorization
was not required.
 Approved (MM/DD/YYYY): the batch was released and authorized on the date shown.
 Unreleased Approved (MM/DD/YYYY): the batch was successfully unreleased (withdrawn).
Declined Statuses
 Declined (Insufficient Funds): the batch did not release successfully, as there were insufficient
collected funds in the account at the time of payment.
 Declined (Please contact Customer Service): the batch did not release successfully due to a reason
other than insufficient funds – please call Treasury Management Support at (800) 844-1720, Option 1.
Pending Messages
 Pending Approval: Old National is retrying batch authorization. The host will respond prior to ACH
end-of-day cutoff.
 Pending Release: the batch has been submitted for release, but Old National has not yet processed
the batch.
 Pending Unrelease: the batch has been requested to be unreleased (withdrawn). Approval is
necessary if there are authorized transactions within the batch.
Other Messages
 Retry (Release Declined, Please try again later): the batch was not released at the time requested;
however, Old National suggests that you try to submit the batch at a later time.
 In Process: Old National is currently processing the batch.
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
Submitted: the Batch has been submitted for processing and is complete.
Important: Be sure your batch is in Released status before your migrate away from the Batch List screen.
Batches are picked up for processing at Noon ET (11:00 AM CT) and 7:20 PM ET (6:20 PM CT). At that
time, Released batches will be marked as Submitted.
Note: Depending on your company’s security settings, you might not be able to release ACH batches that
you created – or at all. If you do not see this option while logged into BankConnect Plus, please consult
your company’s BankConnect Plus administrator. Note that ACH payments will not take place until a
Payment Batch is approved, released and the status has been changed to Submitted.
Deleting a Payment Batch
If a Payment Batch was created in error, but has not been approved or released, you can delete the Batch
by checking the checkbox to its left and clicking the
button. This will remove the Batch from the
ACH Batch List.
Reversing an ACH Transaction
On occasion, an ACH Batch may be released in error. There are two methods for reversing the
transaction.
Unreleasing a Batch
You may be able to simply use BankConnect Plus’s Unrelease option in the ACH Batch List to reverse the
decision to release a batch. If the Status column for the batch does not yet say “Submitted” or “In Process,”
check the checkbox to the left of the batch and click the
button. This will stop processing of the
batch.
Manual Batch Reversal
The reversal feature allows you to reverse an electronic transaction that was sent in error only. The
reversing entry must be submitted and made effective no later than 5 business days following the
settlement date of the original transaction. This reversal entry must be created within 24 hours of
discovery. You must reverse the entire amount of the original transaction, as well as a new transaction for
the correct amount. It is highly recommend you contact the receiver of the transaction upon the discovery
of the error, to ensure the entity you will correct the transaction.
In order to utilize the transaction reversal feature, please contact Treasury Management Support at (800)
844-1720, Option 1 to obtain a reversal authorization form.
Importing ACH Files
Instead of manually editing and updating ACH Databases, you may prefer to import a file from your
accounting software into BankConnect Plus. This will speed the processing of your ACH Batches, while
reducing the risk of errors. There are two ways to import files: creating a manual format and importing a file
or using ACH Validator to import a NACHA-formatted file.
Creating ACH Import Formats
Before importing a file into BankConnect Plus, you will first need to create a file template to “read” the file.
To create the format, click the Setup link in the Module Menu. Under the Formats & Templates section,
click the Create ACH import formats link. A list of active options will be displayed for your reference. To
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create a new format, click the
button. Give the format a name and description, choose the type of
ACH Application to map, and the type of file to be imported (Comma Delimited, Fixed Format or NACHA)
and click the
button.
Hint: Each format type will have multiple formatting options. Let us help you out in the process – call
Treasury Management Support at (800) 844-1720, Option 1 and we’ll walk you through this process.
Importing an ACH Batch
Once you have defined a Batch Template, you can import ACH information from a file into BankConnect
Plus. You will need to create a Database for the payment, but do not need to populate it with payor/payee
information. Check the checkbox next to the Database desired from the
ACH Database List and click the
button.
On the next screen, you will need to select the format desired, and then
click the
button to locate where you have the file saved.
button. You will get the
Once the file has been located, click the
below banner message following the import:
Click the Refresh button on your browser, and you’ll get a message detailing the successful or
unsuccessful import of the file. If the file has exceptions or was rejected, you can click the status message
to view a report that details what information was missing from the file. If the Database needs repaired,
follow the Modify Database process for the Accounts and Amounts.
If the file successfully imports, follow the Batch creation and release steps detailed earlier in this section.
Using ACH Validator
Another means of importing ACH files is the optional ACH Validator
service. Using ACH Validator, you can import a NACHA-formatted file
to process your ACH batches. To use this service, click the ACH
Validator link in the top menu of the ACH Payments section. A browse
box will appear for you to locate the saved file on your computer. Click
button to search for the file. Below the box, you will need to select whether the file does or
the
does not contain an offset transaction in the file. When you are finished, click the
button. Validator will
import the file.
You will need to click your browser’s Refresh button to view the results of the import. When validation is
complete, you will receive one of four status messages:



Validation of the file, <file name> into the database <database name> was successful. The
validation was successful and you can proceed with processing the batch.
Validation of the file <file name> was successful with exceptions. One or more records within the
batch were not properly formatted. Click the hyperlink in the exception to view the Validator Report in
order to troubleshoot. For the exception record(s), individually edit them in the Batch to complete the
file and then proceed with processing.
Validation of the file <file name> into the database <database name> failed. The file was unable
to be validated and no batches were created. Verify your NACHA file is in the correct format and try
again.
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
Validation of the file <file name> completed without processing. There are no records to
process. The NACHA file did not contain any valid records to be processed. Verify your NACHA file is
in the correct format and try again.
Upon successful validation of the file, proceed by releasing the Batch.
Exporting ACH Data
You can export ACH reports and data in a variety of ways on BankConnect Plus.
Batch Report
From the ACH Batch List screen, check the checkbox next to the desired batch, and click the
button. From here, you can choose to sort by ID or Name, in ascending (default) or descending order.
Click the
button to view the report in a new window.
Validator Report
If you use ACH Validator, you can create a Validator report that provides summary information, as well as
file exceptions. To access this report, go to the ACH Batch List, check the checkbox next to the desired
button. The report will display in a new window.
Batch, and click the
ACH Export
This optional add-on feature allows you to export ACH Batch data in a Comma-Separated or TabSeparated file. If this feature has been enabled, go to the ACH Batch List, check the checkbox for the
Batch desired, and click the
button. Choose whether or not to include column headers, choose the
desired file type, and click the
button. You will then need to click the Refresh button on your browser.
The file will be available to download via a link on the screen.
Notices of Changes & Returns
A notification of change (NOC) is created when the receiving financial institution receives a prenotification
or a live dollar entry that contains incorrect information. A receiving financial institution can return an item
for a variety of reasons.
A notification of change is non-monetary and is designed to inform you of a change that must be made
before initiating another transaction.
A returned item is monetary and will be credited or debited back to your specified account. Examples of
the notification of change and the return notice are included in the Appendices section of this guide.
You can obtain your incoming Notices of Change and Return by clicking Reporting, then selecting Special
Reports from the top menu.
Note: In addition to electronic notices on BankConnect Plus, we will also send you these notices via mail.
Handling Returned ACH Items
You may re-initiate electronic transactions that have been returned as insufficient or uncollected funds.
Other eligible items include those what have been returned for Stop Payment and the re-initiation has been
authorized by the receiver. These eligible items may be re-initiated no more than two times following the
return of the original entry. This limit applies to all electronic transaction applications, with the exception of
returned check collection.
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Wire Transfer Module
Menu Focus
BankConnect Plus’s Wire Transfer Module can be used to initiate wires to both
domestic recipients or to send U.S. dollar-denominated wire transfers to accounts at
foreign banks. Various reports within this module provide you with the information
you need for your records in real-time, making this service convenient and highly
efficient.
Creating Wire Transfers
Sending wire transfers is a three-step process:
1
Enter Wire Information
2
Approve Wire from Queue Status
3
Release the Wire for Processing
To create a wire transfer, click Wire Transfers in the Module Menu, and then select Single Wire from the
top menu.
Depending on your company’s setup and your user profile settings, you will see one or more of the
following options:
Application
Name
Non-Repetitive
Fed
Receiving
Bank
Inside U.S.
Non-Repetitive
Fed Intl
Outside of
U.S.
None
Repetitive Fed
Inside U.S.
Repetitive Fed
Intl
Semi-Repetitive
Fed
Semi-Repetitive
Fed Intl
Outside of
U.S.
Inside U.S.
Debit Account, Receiving Bank &
Beneficiary Information
Debit Account, Receiving Bank &
Beneficiary Information
Debit Account, Receiving Bank &
Beneficiary Information
Debit Account, Receiving Bank &
Beneficiary Information
Outside of
U.S.
None
Static Values
Editable Values
Amount, Date, Debit Account,
Receiving Bank, Beneficiary &
Reference Information
Amount, Date, Debit Account,
Receiving Bank, Beneficiary &
Reference Information
Amount, Date
Amount, Date
Amount, Date, Reference
Information
Amount, Date, Reference
Information
Note: You will only be able to utilize Repetitive and Semi-Repetitive Applications once you have created
templates for those wire transfers.
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Entering Wire Information
There are several fields of information for wire transfers to complete, some of which are required, others
that are optional. Use the below table for reference in completing your wire transfer. Once you have
completed the form, click the
button to move the transfer to the approval queue.
Amount
Field
Currency
Value Date
Debit Account Number
Receiving Bank ID
Receiving Bank Name
Receiving Bank Address
Intermediary Bank ID Type
Intermediary Bank ID
Intermediary Bank Name
Intermediary Bank Address
Beneficiary Bank ID
Beneficiary Bank Name
Beneficiary Bank Address
Beneficiary Account
Beneficiary Name
Beneficiary Address
Reference for Beneficiary
OBI
BBI
Requesting Party Account #
Requesting Party Name
Requesting Party Address
Required?
Description
Yes
Value of wire transfer being sent (gross of any fees; in
U.S. dollars)
Yes
Static; U.S. dollars
Yes
The valid business date (not a weekend or holiday) on
which the wire settles with the Federal Reserve Bank (or
other local clearing system). ONB allows wires to be
future dated 30 business days in advance.
Yes
Your Old National account number from which funds will
be debited
Yes
ID of the credit bank (in the U.S., this is the ABA routing
number)
Yes
Name of the credit bank
Yes
Address of the credit bank
Yes *
Type of ID for the pay-through intermediary bank
Yes *
ID of the pay-through bank, corresponding with the
Intermediary Bank ID Type field
Yes *
Name of the pay-through bank serving as correspondent
Yes *
Address of the pay-through bank serving as
correspondent
†
No
ID of the beneficiary bank
No †
Name of the beneficiary bank
†
No
Address of the beneficiary bank
Yes
Bank account number of the wire recipient
Yes
Name of the wire recipient
No
Address of the wire recipient
No
Additional reference information about this transfer
No
Other beneficiary information not included on the
Reference for Beneficiary line
No
Bank-to-bank processing information
No
Account number of the person(s) requesting the wire
transfer, if other than the originator of the wire
No
Name of person(s) requesting the wire transfer, if other
than the originator of the wire
No
Address of the person(s) requesting the wire transfer, if
other than the originator of the wire
* Only required for U.S. dollar international transfers; not available for Fed wires.
† Only used if the wire recipient’s bank account is not held at the receiving bank. If the beneficiary’s bank is different from the
receiving bank, all three Beneficiary Bank fields are required.
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Creating Wire Templates
Wire templates can be used to store information for common wire transfer recipients, such as vendors,
suppliers and parent companies. To create repetitive and semi-repetitive wire templates, select Setup in
the Module Menu, and then click on Create Wire entry templates. Select the type of transfer and whether
to create a repetitive or semi-repetitive template from the list. Click the
button to create a new
template. Give the template an ID value (alphanumeric, no spaces, 16 characters max) and fill in the static
information, per the table on page 25 of this guide.
To edit an existing template, click on the Template ID in the Template List. To delete, check the box to the
left of the desired template and click the
button.
Approving & Releasing Wire Transfers
Once a wire has been sent to the approval queue, it may require up to two approvals in order to release it.
In the Transaction List section of the Wire Transfer Module menu, you will see a list of pending transfers
and various statuses for each wire. The below table describes the different statuses.
Status
Entered
Processed
Definition
Wire has been entered and sent to the
queue for approval.
Wire has been approved by one user
and is awaiting a second approval.
Wire has been approved and is
awaiting release.
Wire has been released and is in
process.
Wire has been processed.
Rejected
Wire has not been processed.
Partially
Approved ‡
Approved
Acknowledged
†
Action Needed
Wire needs approved. † - OR Wire needs released.
Wire needs secondary approval. ‡
Wire needs released.
None.
None. (Status will show ‘processed’ on the
value date selected when initiating the wire)
Contact Treasury Management Support at
(800) 844-1720, Option 1 for assistance.
Only applicable if approval is required to release a wire transfer.
applicable if two approvals are required to release a wire transfer.
‡ Only
To approve or release a wire transfer, you are required to enter a new
token passcode into the pop-up window prompt. Simply enter your
PIN number into your token to generate a new code and key that into
the prompt and click the
button.
To view more information about a specific wire transfer, click the
hyperlinked value in the Amount column. To take an action on a wire
transfer, check the checkbox to its left and click one of the buttons
below the queue list.
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Check the box(es) for the
wire(s) you wish to act upon
Click the Amount to view
detailed information
Action Buttons
Once a wire transfer has obtained any required approvals, it can be released by checking the box to the left
of it and clicking the
button.
Note: Wire transfers will only be eligible for release & processing if four criteria are met:
1. There are sufficient collected funds in the debit account at the time of release.
2. The wire transfer is for less than your BankConnect Plus wire transfer limit.
3. The release occurs prior to the cut-off time.
4. If future dated, there are sufficient collected funds in the debit account on the value date.
Wire Transfer Reports
You can view reporting information on each wire transfer or a group of wire transfers by checking the box to
,
or
buttons. Each
the left of the entry and then clicking the
report’s content is described below:



Detail Report: Provides full information about the wire transfer, as entered into the template.
Totals Report: Summarizes wire counts and amounts by status and provides a grand total.
Summary Report: Provides a tabular summary of each wire transfer, similar to the Transaction List
queue table.
Revising a Wire Transfer
If a wire transfer needs modified prior to release, go to the Transaction List, check the box to the left of the
wire and click the
button. This will send it to the Wire Repair queue. Once repaired, it will return to
the Transaction List and will need approved and released. To access the Wire Repair queue, click Wire
Repair from the top menu.
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To edit the wire transfer, click on the hyperlink in the Amount column. You will be able to edit the wire’s
information and send it back to the Transaction List for approval and release. You can also delete the wire
transfer from this screen by checking the box to the left of the entry and clicking the
button.
Reporting
There are two types for wire transfer information in BankConnect Plus: Wire History and Wire Activity.
Wire History
The Wire History report will provide you with a list of completed wire transfers sent using BankConnect Plus
for the last 30 days (Federal Reserve detail is retained for 20 days). Payment network reference numbers
(such as a Federal Reserve confirmation number) are displayed for completed wire transfers, as well. To
access this data, select Wire History from the Wire Transfers top menu.
Wire Activity
The Wire Activity section has three different reporting options for your wire transfers:



Wire Transaction Search: Search for specific wire transfers, based on your search criteria.
Wire Activity Report: Contains the same information as the Wire Transaction Search, but also
includes summary data.
New Wire Activity Report: Displays any wires that have not been marked as viewed in previous Wire
Activity inquiries.
This screen can be accessed by clicking Wire Activity in the Module Menu. Each of the three options can
be accessed using the top menu.
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Online Statements
BankConnect Plus offers you availability to your DDA, Savings and Analysis
Statements electronically via the ‘Online Statements’ link shown to right. These
are PDF statements that provide a clean, clear statement that is easily printed
and/or saved. Statements will be available within a day of when your statement
cycles. For example, if you statement ends at the end of the month, it may take
until the second business day following that date to appear.
Simply click on “Online Statements”. You will then see the Old National Online
Banking screen with your eStatement options.
Click on the link for eStatement you need to view, print or save, and your PDF statement will be available to
you.
After pulling your statement, simply click on “Log Out” to return to BankConnect. **NOTE – If you are in
the online statement center for a long time, when you log out your BankConnect session may have timed
out and you will need to log in again**
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Positive Pay Module
Positive Pay is a service used to help prevent forgery, alteration and other forms of
check fraud. This module will match any incoming checks against a list of issued
checks for your account, and will require you to make a pay/return decision for any
items that do not match your issued check list.
Menu Focus
Positive Pay will validate your check issue file to the account number, check number
and amount. If all three do not match your issue file, the item will be reported as an
exception – requiring your decision to pay or return it.
Managing Check Issue Data
In order to make Positive Pay as efficient as possible, you are strongly encouraged
to report any issued checks to Old National at the time they are written. This will
create a database in BankConnect Plus and in our check processing centers that note if a presented check
is accurate in its amount and serial number. The more up-to-date your database is, the fewer exceptions
you’ll need to review on a daily basis. There are two ways to report a check issue or void: using Issue
Maintenance or performing a file import in the Positive Pay menu.
Adding Issues and Voids
This function can be used to manually add or void checks to your database of outstanding items. You can
manually enter up to 20 issues and voids per screen. The required fields of information to complete an
issue or void are Account Number, Serial Number (check number), Amount and Issue Date. Payee and a
Memo may be included for your records, but neither are validated in the Positive Pay process. In the action
column, “Issue” means that the check was issued and should be added to the database and “Void” means
that a particular check number was not issued and should not be honored for payment (e.g. the check was
destroyed or replaced by another check).
Once all entries have been entered, click the
message.
button. You will get the below confirmation
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Importing an Issue File
Instead of manually entering your issues and voids, you may
prefer to upload a file into BankConnect Plus to report your
check activity. Old National recommends using either the
“Comma Del” or “Mixed Fixed” formats built into BankConnect
Plus. The specifications for these formats can be found in
Appendix L. Note that these formats will only work for issued
checks – voids will need to be manually entered.
To import a file, first create the file using your accounting software and save it to your computer. Then, in
BankConnect Plus’s Positive Pay menu, go to Import > Run Import. You’ll select the Format Name “Mixed
Fixed” and then click the
button to locate the file. Click the
button to start the import. You
will get a banner message confirming the import has begun.
Verifying File Import Status
To verify a file has imported successfully, use the Positive Pay
menu and go to View Import Report in the Import section of the
menu. Set your import date criteria and click the
button
to display the results.
The Import Status column will display if the import was
successful or if it failed. In the event of an import failure, none of the records contained within the file will
be updated in your outstanding list of issued and voided items, so you will need to either correct the file and
import it a second time or manually enter the changes for the items included in the file. To view a status
report for the import, click on the hyperlinked field in the Report Name column. Your import status will also
be displayed on the Home page’s System Notices section.
Changing the Status of a Check
Once a check has been reported as an issue or void, you are able to change the status of the check in
BankConnect Plus. To do so, go to Change Status in the Issue Maintenance section of the Positive Pay
menu. You are able to search by Account Number, Serial Number, Amount, Issue Date and Payee from
this screen. Click the
button to display the results. The below screen will appear.
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In the Action column, you can change a check’s status from “Issue” to “Void” or “Void” to “Issue”. The
Reason column gives options for the reason for change, but isn’t used or required by Old National for
processing. Click the
button when finished.
Approving Issues and Voids
After new issues or voids have been entered, or the status of an outstanding check has been changed, an
approval process is required for the changes to take effect. In the Positive Pay menu, select Issues under
the Approvals drop-down menu.
button to display the results. In
Select the desired account from the Criteria box and click the
the Action column, you will either Approve or Disapprove each entry, and then will click the
to
complete the approval process.
Upon completion, you will receive a summary message of the number of entries approved and
disapproved.
Note: Any new entries or changes to existing entries in Positive Pay must be approved by 5:30 PM ET
(4:30 PM CT) in order to apply for that business day. Entries approved after the cut-off time will take effect
at the end of the next business day.
Monitoring Issue and Void Activity
To monitor any new issues/voids or changes to existing issues/voids, select Issues from the Monitor dropdown in the Positive Pay menu. You will be able to see the account number, serial number, issue date,
issue amount, payee, issue type, status, date/time and memo information of each issued item based on
your search criteria. This report can be used for auditing purposes to track all issue and void activity.
Exceptions
In the event of an exception to your issue file, you will see a message
displayed on the BankConnect Plus home page, under the System
Notices section. The message will say “Approval is needed for
Issued/Voided items: ####” with “####” being the number of exceptions
reported for the day. If exceptions exist, click the Positive Pay link in the Module Menu. The default screen
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in Positive Pay is the Exceptions screen, but it can also be accessed in the Positive Pay menu’s Approvals
drop-down.
Note: Notice of exceptions will be posted to the BankConnect Plus home page by 7:30 AM ET (6:30 AM
CT). Decisions will need to be input by 12 PM ET (11 AM CT). By default, any items without a decision
made prior to cut-off will be paid.
You will be taken to the below screen. Follow the steps in the diagram to complete the decision process.
1
2
Select account to view exceptions and click button
Review exception cause and choose decision
Click to view
an image
3
Submit your exception decisions
Monitoring Exceptions
To monitor how many exceptions are presented to an account on a given date, or over a range of dates,
click Exceptions in the Monitor drop-down of the Positive Pay menu. Utilize the search criteria fields and
click the
button to get your results. This report can be used to track how frequently exceptions are
presented to your account.
Outstanding Issues Report
The Positive Pay module has an optional report that will provide
a list of your outstanding issued items. This report can assist
you with reconciling your bank statement to your ledger each
month. This report can be accessed by first clicking Reporting
in the Module Menu and then selecting Special Reports from
the top menu. The report labeled “OUTSTANDING” is the
outstanding check listing for Positive Pay. Simply select the
account and the as-of date/time and then click the hyperlinked
report name. A new window will open to display your report.
From this screen, you can print or export the data.
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Your Support Team
When you need assistance with BankConnect Plus – or any of Old National’s Treasury Management
services, call our team of specialists – we’re here to help.
Treasury Management Customer Support
800.844.1720, Option 1 – TMSupport@oldnational.com
Monday-Friday, 8AM to 6PM ET (7AM to 5PM CT)
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Appendices
Appendix A: Contingency Planning
Employee Payroll
As mentioned earlier in the startup guide, ACH credit entries, such as payroll, must be sent at least two
days prior to the effective date. In the event you fail to release your payroll batch, there are alternative
solutions available. Please review the alternative solutions and determine your plan of action in the unlikely
event you do not release your payroll batch.
1. Check – You may opt to cut payroll checks for your employees. This option will allow you to pay
employees on payday; however, the employee will receive a paper check instead of funds via the ACH
system.
2. ACH – You may still send your payroll batch through the ACH system; however, please remember this
may delay posting 1- 2 business days after your pay date.
3. Wire Transfer – You may send individual wire transfers to each employee account. This will ensure
same day availability as well as an electronic posting of funds.
Internet Access Availability
Internet access is essential in order to submit your ACH entries. As an originator of ACH entries, you
acknowledge and accept responsibility for maintaining business continuity for transmission of entries to the
Bank. As transmission requires web access, you must designate alternatives for transmission if primary
business data line is unavailable. It is recommended you document and test your alternative access
channels during your Business Continuity or Disaster Recovery planning.
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Appendix B: ACH Best Practices
Prenotifications
A prenotification is a non-monetary entry sent through the ACH system which verifies the accuracy of the
information for each new transaction. Although prenotes are optional, these zero-dollar entries are
recommended to help you verify information prior to releasing live dollar transactions. When using
prenotes, NACHA rules state you must wait ten (10) days prior to releasing a live transaction. This gives
the receiving institution an opportunity to notify you (either by Notification of Change or Return) of any
incorrect information before money is transferred.
ACH Exposure
ACH ability is essentially a short-term loan from Old National to your company. For this reason, we set a
limit on the amount of credit that can be granted at any one time. If the sum of all outstanding ACH batches
(credit or debit) exceeds your ACH limit, batches will not be processed until pending batches have been
processed.
This is important to remember when pre-dating ACH batches for the future, as the amount of that batch,
once released, will count toward your ACH limit until its effective date.
It is also important to notify Old National prior to creating any abnormally large batches (such as employee
bonuses or large, one-time payments) so we have sufficient time to give consideration for a temporary limit
increase.
If you have questions about your ACH exposure limit, please contact either your Treasury Management
Representative or call Treasury Management Support at (800) 844-1720, Option 1.
Holiday Planning
The holiday schedule included in the Appendices section of this guide lists dates that Old National Bank will
be closed for processing. These dates correspond to the dates that the Federal Reserve is closed. Please
make a note of these dates, as they may require a change to your normal ACH processing schedule. The
following is an example of how a holiday can affect your schedule:
It is the week of Thanksgiving. Your payday is on Friday. Normally you would send your file in on
Wednesday. Due to the holiday, you will need to send your file on Tuesday to ensure Memo
posting of the payroll entries on Friday.
Holidays are non-business days, similar to weekends. When choosing the effective date, remember to
select the business day prior to the holiday for credits, and the business day succeeding the holiday for
debits.
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Appendix C: ACH Regulatory & Compliance Information
The National Automated Clearing House Association, or commonly referred to as NACHA, is the governing
body for commercial electronic payments. The NACHA rules state you must obtain written authorization for
debit transactions (such as insurance premiums or health club dues), and it is highly recommended you
also obtain written authorization for credit transactions (such as direct deposit of payroll). Please see the
sample debit and credit authorizations in the Appendices section of this guide. To acquire a copy of the
NACHA rules, please visit http://www.nacha.org.
NACHA Updates
NACHA releases rule changes on an annual basis. Often, these rule changes include operational changes,
such as file format definition changes and additions. Old National Bank ensures these changes are tested
and implemented to your ACH module in a timely manner.
ACH Exposure & Annual Review
ACH exposure limits are setup within BankConnect™ Pus as a security precaution. Origination of ACH
transactions is viewed by Old National Bank, as well as bank regulatory agencies, similar to an unsecured
loan. The ACH exposure limit may be reviewed and adjusted from time to time upon the Bank’s sole
discretion.
Old National Bank is required by NACHA and other financial regulatory agencies to review ACH exposure
limits on an annual basis. During this review process, you may receive a written request for financial
statements. These financial statements, as well as other viability assessments such as Dun & Bradstreet
reports or consumer reports on guarantors, will be used in correlation with system usage to determine ACH
exposure. ACH exposure may be reviewed and adjusted at the Bank’s sole discretion.
Enhanced Security
Old National Bank is committed to the privacy and security of your data. In order to provide a secure
operating environment, data security standards are reviewed and monitored through intrusion and
penetration testing. These tests, performed on a monthly basis, ensure all security protocols are operating
in accordance to specification. Old National will continue to research and develop new security methods in
order to exceed criminal intent.
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Appendix D: Bank Holiday Schedule (2016)
Old National does not process ACH or Wire Transfer transactions on the following Federal Holidays:
Holiday
Christmas Day
New Year’s Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day
Day
December 25
January 1
Third Monday in
January
Third Monday in
February
Last Monday in
May
July 4
First Monday in
September
Second Monday
in October
November 11
Fourth Thursday
in November
December 25
2016 Observed Date
Friday, December 25, 2015
Friday, January 1, 2016
Monday, January 18, 2016
Monday, February 15, 2016
Monday, May 30, 2016
Monday, July 4, 2016
Monday, September 5, 2016
Monday, October 10, 2016
Friday, November 11, 2016
Thursday, November 24, 2016
Monday, December 26, 2016
Hint: These dates are also available online. Go to Setup in the BankConnect Plus Module Menu and
select the holiday table from the options list. Days marked as “yes” are bank holidays on which ACH and
wire transfers will not be processed.
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Appendix E: Deadlines & Data Availability Times
The below table details the time during the day that different reporting is made available and the deadlines
by which decisions or transactions must be completed in BankConnect Plus:
Transaction & Report Deadlines
Prior Day Information Available
Same-Day Transfers
ACH Transactions
Positive Pay Issue File Uploaded
Positive Pay Exceptions Available
Positive Pay Decisions Complete
Domestic Wire Transfers
International Wire Transfers
Eastern
7:00am
10:00pm
7:20pm
5:30pm
7:30am
12:00pm
5:00pm
5:00pm
43
Central
6:00am
9:00pm
6:20pm
4:30pm
6:30am
11:00am
4:00pm
4:00pm
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Appendix F: Data Retention Schedule
The below table provides a retention timeline for information in BankConnect Plus:
Data Retention
Real-Time Information Reporting
BAI Information Reporting
Business Investment Repurchase Notices
ACH NOC/NOR Reports
Incoming ACH Reports
eStatements
Images of Checks & Returns
Images of Deposits
Stop Payment Data
ACH Transaction History
Positive Pay Exception Data
Outstanding Positive Pay Check Report
Real-Time Wire Activity Fed Detail Reports (optional module)
Wire Transfer History
Audit Detail
44
13 Months
90 Days
30 Days
30 Days
30 Days
180 Days
13 Months
13 Months
90 Days
90 Days
90 Days
24 Months
10 Days
30 Days
60 Days
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Appendix G: Sample ACH Enrollment Agreements
To enroll your employees or customers in ACH, you should provide them with an authorization form in
order to provide a paper trail in the event of a dispute. Below are a few sample layouts, for your reference.
AUTHORIZATION AGREEMENT FOR DIRECT DEPOSITS (ACH CREDITS)
Company Name__________________________________________________ Company ID Number______________________________________________
I (we) hereby authorize___________________________________________________, hereinafter called COMPANY, to initiate credit entries to my (our)
□ Checking Account/ □ Savings Account (select one) indicated below at the depository financial institution named below, hereafter called DEPOSITORY, and to
credit the same to such account. I (we) acknowledge that the origination of ACH transactions to my (our) account must comply with the provisions of U. S. law.
Depository Name________________________________________________ Branch______________________________________________
City___________________________________________________________ State_________________________ Zip___________________
Routing Number_________________________________________ Account Number______________________________________________
This authorization is to remain in full force and effect until COMPANY has received written notification from me (or either of us) of its termination in such time
and in such manner as to afford COMPANY and DEPOSITORY a reasonable opportunity to act on it.
Name(s)_______________________________________________ ID Number_____________________________________________
(please print)
Date__________________________________________________ Signature______________________________________________
NOTE: WRITTEN CREDIT AUTHORIZATIONS MUST PROVIDE THAT THE RECEIVER MAY REVOKE THE AUTHORIZATION ONLY BY NOTIFYING
THE ORIGINATOR IN THE MANNER SPECIFIED IN THE AUTHORIZATION.
AUTHORIZATION AGREEMENT FOR DIRECT PAYMENTS (ACH DEBITS)
Company Name__________________________________________________ Company ID Number______________________________________________
I (we) hereby authorize___________________________________________________, hereinafter called COMPANY, to initiate debit entries to my (our)
□ Checking Account/ □ Savings Account (select one) indicated below at the depository financial institution named below, hereafter called DEPOSITORY, and to
credit the same to such account. I (we) acknowledge that the origination of ACH transactions to my (our) account must comply with the provisions of U. S. law.
Depository Name________________________________________________ Branch______________________________________________
City___________________________________________________________ State_________________________ Zip___________________
Routing Number_________________________________________ Account Number______________________________________________
This authorization is to remain in full force and effect until COMPANY has received written notification from me (or either of us) of its termination in such time
and in such manner as to afford COMPANY and DEPOSITORY a reasonable opportunity to act on it.
Name(s)_______________________________________________ ID Number_____________________________________________
(please print)
Date__________________________________________________ Signature______________________________________________
NOTE: WRITTEN DEBIT AUTHORIZATIONS MUST PROVIDE THAT THE RECEIVER MAY REVOKE THE AUTHORIZATION ONLY BY NOTIFYING
THE ORIGINATOR IN THE MANNER SPECIFIED IN THE AUTHORIZATION.
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Appendix H: Sample ACH Notices of Change / Return
NOTICE OF CHANGE – EXAMPLE
NOTIFICATION OF RETURN - EXAMPLE
XYZ, INC (1)
ATTN JOE CUSTOMER
PO BOX 0000
EVANSVILLE IN 12345-0000
ABC, INC
(1)
ATTN JOE CUSTOMER
PO BOX 0000
EVANSVILLE IN 12345-0000
01/20/2006 (2)
XYZ, INC PAYROLL
1012345678 (3)
INDIVIDUAL: DOE, JACK (4)
ID NUMBER: 0123456 (5)
ORIGINAL RT: 086300012 (6)
ORIGINAL ACCOUNT: 020202020202
01/20/2006
(2)
ABC COLLECTIONS
1012345678
(3)
INDIVIDUAL: DOE, JANE (4)
ID NUMBER: 111-11-1111 (5)
ORIGINAL RT: 086300012 (6)
ORIGINAL ACCOUNT: 010101010101 (7)
AMOUNT: 261.88
(8)
REASON: 99-R01 Insufficient funds (9)
AMOUNT: .00
(7)
REASON: 98-C01 Incorrect DFI A/C# (8)
CORR: ACCT#-030303030303 (9)
1.
2.
3.
4.
5.
6.
7.
8.
9.
Business Name/Address
Report Date
Business Tax Identification Number
Individual Name
Individual ID Number
Original Transaction Routing Number
Amount (always zero for prenotes)
Correction Code/Description
Correction Information
1.
2.
3.
4.
5.
6.
7.
8.
9.
46
Business Name/Address
Report Date
Business Tax Identification Number
Individual Name
Individual ID Number
Original Transaction Routing Number
Original Transaction Account Number
Transaction Amount
Return Reason Code/Description
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Appendix I: ACH Notification Codes
C01
C02
C03
C04
C05
C06
C07
C08
C09
C13
C61
C62
C63
C64
C65
C66
C67
C68
C69
R01
R02
R03
R04
R05
R06
R07
R08
R09
R10
R11
R12
R13
R14
R15
R16
R17
R18
R19
R20
R21
Notification of Change Codes
Incorrect Account Number
Incorrect Transit Routing Number
Incorrect Transit Routing Number and Incorrect
Account Number
Account Name Change
Incorrect Transaction Code
Incorrect Account Number and Incorrect
Transaction Code
Incorrect Transit Routing Number, Incorrect
Account Number and Incorrect Transaction Code
Incorrect Foreign Receiving DFI Identification
Incorrect Individual Identification Number
Addenda Format Error
Misrouted Notification of Change
Incorrect Trace Number
Incorrect Company Identification Number
Incorrect Individual ID Number
Incorrectly Formatted Corrected Data
Incorrect Discretionary Data
Routing Number Not from Original Entry Detail
Record
DFI Account Number Not from Original Entry
Detail Record
Incorrect Transaction Code
Notification of Return Codes
Insufficient Funds
Account Closed
No Account / Unable to Locate
Invalid Account Number
Unauthorized Customer Debit – Corporate Class
Code
Returned per ODFI’s Request (Recall)
Authorization Revoked by Customer
Payment Stopped
Uncollected Funds
Customer Advises Not Authorized
Check Truncation Entry Return
Account Sold to Another Financial Institution
Invalid ACH Routing Number
Representative Payee Deceased
Beneficiary or Account Holder Deceased
Account Frozen
File Record Edit Criteria
Improper Effective Entry Date
Amount Field Error
Non-Transaction Account
Invalid Company Identification
47
R22
R23
R24
R25
R26
R27
R28
R29
R30
R31
R32
R33
R34
R35
R36
R37
R38
R39
R40
R41
R42
R43
R44
R45
R46
R47
R50
R51
R52
R53
R61
R67
R68
R69
R70
R71
R72
R73
R74
R75
R76
R80
R81
R82
R83
R84
Notification of Return Codes
Invalid Individual ID Number
Credit Entry Refused by Receiver
Duplicate Entry
Addenda Error
Mandatory Field Error
Trace Number Error
Routing Number Check Digit Error
Corporate Customer Advises Not Authorized
RDFI Not Participant in Check
Permissible Return Entry
RDFI Non-Settlement
Return of XCK Entry
Limited Participation DFI
Return of Improper Debit Entry
Return of Improper Credit Entry
Source Document Presented for Payment
Stop Payment on Source Document
Improper Source Document
Return of ENR Entry by Federal Gov. Agency
Invalid Transaction Code
Routing Number/Check Digit Error
Invalid DFI Account Number
Invalid Individual ID Number
Invalid Individual Name/Company Name
Invalid Representative Payee Indicator
Duplicate Enrollment
State Law Affecting RCK Acceptance
RCK Ineligible Item
RCK Stop Payment
Item and ACH Entry Presented for Payment (RCK)
Misrouted Return
Duplicate Return
Untimely Return
Field Error(s)
Permissible Return Entry Not Accepted/Requested
Misrouted Dishonored Item
Untimely Dishonored Return
Timely Original Return
Corrected Return
Original Return Not a Duplicate
No Errors Found
Cross-Border Payment Coding Error
Non-Participant in Cross-Border Program
Invalid Foreign Receiving DFI Identification
Foreign Receiving DFI Unable to Settle
Entry Not Processed by OGO
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Appendix J: ACH Database Field Definitions
The following table describes the different types of information fields used in creating an ACH Database.
Note that some fields do not apply to all application types.
Field
Absent Parent Name
Account Type
Amount
Case Identifier
Check Amount
Check Serial No.
Check Writer Name
Company / Payee Name
Consumer’s Paying R/T #
Create Prenote
Customer Bank Acct. No.
Customer Bank ID
Customer ID
Customer Name
Discretionary Data
Descriptive Date
Employee’s Bank Acct. No.
Employee’s Bank ID
Employee ID
Employee Name
Employment Termination
Entry Description
FIPS Code
Hold Transfer
Last Collection Date
Last Transfer Date
Last Payment Date
Medical Support
Net Pay Amount
Pay Date
Payee Disc. Data
Payee ID
Payee Name
Description
Name of parent who is paying child support
ACH recipient’s account type (checking, savings, etc.)
Default dollar amount to debit or credit (some applications allow you to
itemize this into multiple lines)
Case number for child support payment
Dollar amount of check being re-presented
Serial number of returned check being re-presented
First and last name of person whose check is being re-presented
Payee name as it appears on the check being re-presented
Bank routing number of check being re-presented
Sends a test transaction to validate account information
ACH recipient’s bank account number
ACH recipient’s bank routing number
Identification number assigned by your business to the ACH recipient
Full name of ACH recipient
Addenda information that will display on your and the recipient’s bank
statement
Date check being re-presented was written
Your employee’s bank account number
Your employee’s bank routing number
Identification code or number for your employee (e.g. SSN or other
assigned ID number)
Employee’s first and last name
Flags if the employee is no longer with your company
Addenda information that will display on your bank statement
Code used to identify what type of Child Support payment is being
made – click the button for a list of options
Default option to not include the entry in a batch
End date for including the customer in a batch
End date for cash concentration or disbursement transfers
End date for sending payments to the recipient
Checkbox used to flag if a medical support payment is being made
Dollar amount to deposit to employee’s bank account, after all taxes
and other withholdings are deducted
Date of payroll
Checking account number of check being re-presented
Identification code or number for the payee (e.g. account or customer
number)
Full name of ACH recipient
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Field
Payment Amount
Payment Description
Prenote Date
Receiving Bank Acct. No.
Receiving Bank ID
Remote Bank Acct. No.
Remote Bank ID
Remote Location Name
Remote Location No.
Social Security No.
Start Date
Subcategory
Tax Period End Date
Tax Type Code
Taxpayer Name
Taxpayer ID
Taxpayer Employer ID No.
Total Amount to Pay
Transaction Type
Vendor Bank Acct. No.
Vendor Bank ID
Vendor ID
Vendor Name
Zero Tax Due
Zero Amount Due
Description
Dollar amount to send to the ACH recipient
Reference addenda to be included with the payment (e.g. invoice
number)
Date to create a prenote transaction
Account to which the payment should be applied (used in State Tax
and Child Support payments) – click the button for a list of accounts
(if available)
Routing number for bank accepting payment (used in Child Support
application)
Your account at another bank to/from which funds are transferred
Your other bank’s routing number
Nickname of your location to/from which funds are transferred
Numerical identifier of remote location (store #, etc.)
Social security number of employee making child support payment
First date for including the customer in a batch
If itemizing a tax payment, the IRS number that corresponds to that
particular payment (leave blank if not applicable)
Tax period for which the payment is being made
Five-character code used to identify the type of tax being paid – click
the button for a list of available codes
Your company’s legal name, as registered with EFTPS
Your company’s tax ID number
Your company’s federal employer ID number
Sum of the Amount fields, if they are itemized
Credit will send money from your Old National account; Debit will pull
money into your Old National account
Vendor’s bank account number
Vendor’s bank routing number
Identification code or number for the vendor
Name of vendor to be paid
If no taxes are owed, check this box
If no child support payments are owed, check this box
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Appendix K: International Wire Transfer Settings
When sending a US-dollar international wire transfer with BankConnect Plus, you will need to include the
following information in your wire transfer template:
Field
Value
Receiving Bank ID
026005092
Receiving Bank Name
Wells Fargo NY International
Beneficiary Name
Name of the recipient bank
Reference for Beneficiary
Additional information to provide to beneficiary (recipient
bank) to route to the appropriate customer. This
information should be provided to you by the receiver of
the wire transfer
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WELCOME GUIDE
Appendix L: Online Security Best Practices
In today’s increasingly connected world, online fraud has become a primary concern for Old National. We
strive to provide as many tools as we can to protect your online banking. Unfortunately, we cannot work
alone to help protect you. In this section, we offer some best practices to help guard your BankConnect
Plus session from unwanted intruders.
1. Use Dual Control Where Possible
Many viruses or “malware” programs exploit weaknesses of the controls put in place in an online banking
environment. A user may unknowingly download a malicious software program on their PC – even while
visiting reputable websites or opening email from a known source. Once this user’s PC is compromised,
hackers can “hijack” their online banking session, creating ACH or wire transfer transactions to send money
to accounts in their organized crime network. By requiring dual control to approve changes to ACH
databases or wire transfer templates – or by requiring secondary approvals at release, you can help
combat against these types of attacks.
2. Watch for Suspicious Activity at the Log-in Screen
If you notice that your PC is acting strangely at log-in – either prompting you for a new token passcode
when it normally wouldn’t, popping up windows you haven’t seen before, or locking your user account out,
you may be experiencing an online attack. First, turn off your PC immediately and disconnect it from
power. Then, call our Treasury Management support team at 800-844-1720, Option 1 immediately to notify
us of the attack. We will review your user account for any suspicious activity.
3. Review your ACH and Wire Transfer History Regularly
Use the reports in BankConnect Plus to make sure that the wire transfers and ACH batches sent match
what you have in your records. If you find any discrepancies, contact the bank immediately.
4. Never Share User ID’s or Passwords
We will set you up with additional user accounts, at your request. It is never recommended to share login
credentials with anyone. Furthermore, we will never call or email you to ask for your password or token
passcode.
5. Restrict User Rights Where Possible
If you have multiple BankConnect Plus users, evaluate how much access they need. We are able to
restrict access to certain accounts or functions at the user level, giving you increased control over what
each user can and cannot do.
6. Read the BankConnect Home Page Notices
We periodically post information about recent security issues and how to protect yourself on the Home
Page of BankConnect Plus.
7. Safeguard your PC and Network
Make sure your Internet security software (anti-virus, firewall, etc.) are up-to-date. If you have a computer
network, make sure vulnerability scanning and testing are done regularly.
8. Do Not Click Links to Old National in an Email
While it may seem more convenient to click a link in an email received or believed to be received from Old
National, this is a common way fraudsters can redirect you to a phony webpage that resembles the normal
login page.
9. When in Doubt, Call Us at 800-844-1720, Option 1.
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 = Required
 = Optional
Consumer Payments
Consumer Debits
Payroll
Returned Check Entry
Account Type
Amount
Check Amount
Check Serial No.
Check Writer Name
Company / Payee Name
Consumer’s Paying R/T #
Create Prenote
Customer Bank Acct. No.
Customer Bank ID
Customer ID
Customer Name
Discretionary Data
Descriptive Date
Employee Name
Employee ID
Employee’s Bank ID
Employee’s Bank Acct. No.
Hold Transfer
Last Collection Date
Last Pay Date
Last Payment Date
Net Pay Amount
Payee Disc. Data
Prenote Date
Start Date
WELCOME GUIDE
Appendix M: Required and Optional Fields for ACH Databases
The following tables detail the fields of information needed to complete each type of ACH Database.
Consumer ACH Applications
 
 

     


     
 

    


     


52
 
 
 

Corporate Collections
Corporate Payments
Vendor
 = Required
 = Optional
Account Type
Amount
Create Prenote
Entry Description
Hold Transfer
Last Payment Date
Last Transfer Date
Payment Description
Prenote Date
Remote Bank Acct. No.
Remote Bank ID
Remote Location Name
Remote Location No.
Start Date
Transaction Type
Vendor Bank Acct. No.
Vendor Bank ID
Vendor ID
Vendor Name
WELCOME GUIDE
Corporate ACH Applications
    

      
    

      
  
 
 
   
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WELCOME GUIDE


Zero Tax Due
Prenote Date
Receiving Bank Acct. No.
Receiving Bank ID
Social Security Number
Subcategory
Tax Period End Date
Tax Type Code
Taxpayer Name
Taxpayer Employer ID No.
Total Amount to Pay
Zero Amount Due
 = Required
 = Optional
Federal Child Support
Federal Tax
Absent Parent Name
Amount
Case Identifier
Create Prenote
Employment Termination
FIPS Code
Hold Transfer
Last Payment Date
Medical Support
Payee ID
Payee Name
Payment Amount
Tax and Child Support ACH Applications
             


 

     

Note: State Tax and Child Support ACH applications vary from state to state. If you need assistance in completing any of the required fields of
information for one of these applications, use the Help function in BankConnect Plus or contact your local government office to ensure you are
properly completing the payment information.
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WELCOME GUIDE
Appendix N: Positive Pay Import File Specifications
“Mixed Fixed” Format. Maximum length for a single line: 49 characters (including spaces)
Data Name
Serial
Number
Description / Value
Serial number of check
Start
Position
1
Stop
Position
10
Amount
Amount of check
11
21
Account
Number
Old National Bank DDA account number
22
30
2-digit precision with embedded decimal point. No
commas. No leading zeros required.
(e.g. $100.00 would be coded as 10000 with eight
preceding spaces)
Numeric. No leading zeros required.
Issue Date
Date of check
31
38
MMDDYYYY format
Comments
Numeric. No leading zeros required.
“Comma Del” Format. Each field is separated by a comma ( , ).
Data Name
Serial
Number
Description / Value
Serial number of check
Field Order
1
Amount
Amount of check
2
DDDD.CC format. No leading zeros required.
(e.g. $100.00 would be coded as 100.00)
Issue Date
Date of check
3
MMDDYYYY format
Account
Number
Old National Bank DDA account number
4
Numeric. No leading zeros required.
55
Comments
Numeric. No leading zeros required.