WELCOME GUIDE. BankConnect Plus ONLINE TREASURY MANAGEMENT. information reporting. ach file transmission. wire transfer.

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1 BankConnect Plus ONLINE TREASURY MANAGEMENT information reporting ach file transmission wire transfer positive pay Updated December 7, 2016

2 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 Information Reporting Module... 8 Viewing Balances... 8 Transferring Funds... 8 Reporting Stops & Inquiries ACH Module Payment Application Types Creating ACH Payments Recurring/Repetitive ACH Databases..22 Creating & Releasing a Batch 23 Exporting ACH Data Notices of Returns & Changes Wire Transfer Module Creating Wire Transfers Reporting Online Statements Viewing your Statements Positive Pay Module Managing Check Issue Data Exceptions Outstanding Issue Report Support Appendices A. Contingency Planning B. ACH Best Practices C. ACH Regulatory & Compliance Information D. Bank Holiday Schedule E. Deadlines & Data Availability Times F. Data Retention Schedule G. Sample ACH Enrollment Agreements H. Sample ACH Notifications of Change/Return I. Common ACH Notification Codes J. ACH Database Field Definitions K. International Wire Transfer Settings L. Online Security Best Practices M. Required & Optional Fields for ACH Databases N. Positive Pay Import File Specifications

3 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: 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. 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. 1 Click Business 2 Click BankConnect Plus 2

4 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) , 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) , Option 1 for troubleshooting help. 3

5 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 ( On the login screen, enter your Organization ID, User ID and password in their designated boxes. After clicking the button, a prompt to begin your registration will appear. 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) , Option 1 to check on the status of your setup. Secure Token Authentication 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 Press and enter PIN Passcode appears Enter Passcode 4

6 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. 5

7 On the Home Page, you will find four main components: WELCOME GUIDE 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 upperright corner of the window above the button, whereas other screens may have the button found at 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) , Option 1 or us at TMSupport@oldnational.com. You many also find help on TMIC ( under BankConnect Resources, User Guides & presentations, Guide to User Administration in BankConnect. 6

8 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: 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. 7

9 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. 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. Menu Focus 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. 8

10 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: 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: 1 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. 9

11 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 Edit the template defaults Type a nickname to create a new template 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. 10

12 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 Description Top Menu Section Account Statement Ending balance summary plus itemized list of Information Reporting debits and credits Balance Summary Daily summary of closing ledger, available and Information Reporting collected balances plus deposit float totals CD Statement Summary information of certificates of deposit Information Reporting Cleared Checks Report Listing of paid checks from your account Information Reporting Combined Report Two options: Balance Summary with Interest Information Reporting or Transaction List Loan Statement Balance and transaction information on loans Information Reporting and credit lines Current Day Account Combined Report updated for current-day Information Reporting Statement transactions Current Day Loan Statement Loan Statement updated for current-day Information Reporting transactions Repurchase Agreement Notices of sweeps to or from your Business Special Reports Notices Investment Account Incoming ACH Report Addenda detail on incoming ACH transactions 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. 11

13 Special Reports can be displayed by selecting the account and date information and then clicking on the report name. Special Reports include: 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: 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 Once you have entered your criteria, click to view a report or 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. 12

14 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. 13

15 Exporting Data for Quickbooks Cont d To create a Quickbooks export file from your BankConnect Home page, follow these steps: 1. Click the Account hyperlink. 2. Enter your criteria. BankConnect Plus will retain the past 180 days of activity for you. 3. Click the DOWNLOAD RESULTS button. 4. Select Quickbooks (.qbo), click on CREATE DOWNLOAD FILE. WELCOME GUIDE 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 Tab- Separated 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. 14

16 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, at minimum) and click the button. If your query has any matches, you will receive a results 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 15

17 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 16

18 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 Disapprove of the action requested. Once you ve made your selection(s), click the button. Or, if you 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. 17

19 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. 18

20 Vendor Payment WELCOME GUIDE 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 or visit 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 Release the Payment Batch for Processing 19

21 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 20

22 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 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 button can be used to clear the fields you ve entered for the current record only. After clicking the or 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. 21

23 Creating a Recurring or Repetitive Database WELCOME GUIDE 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. Remember to click the button after making any changes. 22

24 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 transferred). Once you have selected these settings, click the the Batch List screen, from which you ll release the batch. button to proceed. You will be taken to 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 Once processed, batch will be Submitted 23

25 Check the box(es) for the Batch(es) you wish to release Click the Status to view more information Click the Release button to process 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) , 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. 24

26 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) , 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 25

27 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) , 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. Once the file has been located, click the button. You will get 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 the button to search for the file. Below the box, you will need to select whether the file does or 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. 26

28 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 Batch, and click the button. The report will display in a new window. ACH Export This optional add-on feature allows you to export ACH Batch data in a Comma-Separated or Tab- Separated 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. 27

29 Wire Transfer Module 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 Menu Focus 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 Non-Repetitive Fed Intl Receiving Bank Static Values Editable Values Inside U.S. None Amount, Date, Debit Account, Receiving Bank, Beneficiary & Reference Information Outside of None Amount, Date, Debit Account, U.S. Receiving Bank, Beneficiary & Reference Information Amount, Date Beneficiary Information Outside of Debit Account, Receiving Bank & Amount, Date U.S. Beneficiary Information Inside U.S. Debit Account, Receiving Bank & Amount, Date, Reference Repetitive Fed Inside U.S. Debit Account, Receiving Bank & Repetitive Fed Intl Semi-Repetitive Fed Semi-Repetitive Fed Intl Outside of U.S. Beneficiary Information Debit Account, Receiving Bank & Beneficiary Information 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. 28

30 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. Field Required? Description Amount Yes Value of wire transfer being sent (gross of any fees; in U.S. dollars) Currency Yes Static; U.S. dollars Value Date 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. Debit Account Number Yes Your Old National account number from which funds will be debited Receiving Bank ID Yes ID of the credit bank (in the U.S., this is the ABA routing number) Receiving Bank Name Yes Name of the credit bank Receiving Bank Address Yes Address of the credit bank Intermediary Bank ID Type Yes * Type of ID for the pay-through intermediary bank Intermediary Bank ID Yes * ID of the pay-through bank, corresponding with the Intermediary Bank ID Type field Intermediary Bank Name Yes * Name of the pay-through bank serving as correspondent Intermediary Bank Address Yes * Address of the pay-through bank serving as correspondent Beneficiary Bank ID No ID of the beneficiary bank Beneficiary Bank Name No Name of the beneficiary bank Beneficiary Bank Address No Address of the beneficiary bank Beneficiary Account Yes Bank account number of the wire recipient Beneficiary Name Yes Name of the wire recipient Beneficiary Address No Address of the wire recipient Reference for Beneficiary No Additional reference information about this transfer OBI No Other beneficiary information not included on the Reference for Beneficiary line BBI No Bank-to-bank processing information Requesting Party Account # No Account number of the person(s) requesting the wire transfer, if other than the originator of the wire Requesting Party Name No Name of person(s) requesting the wire transfer, if other than the originator of the wire Requesting Party Address 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. 29

31 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 Definition Action Needed Entered Wire has been entered and sent to the queue for approval. Wire needs approved. - OR - Wire needs released. Partially Wire has been approved by one user Wire needs secondary approval. Approved and is awaiting a second approval. Approved Wire has been approved and is awaiting release. Wire needs released. Acknowledged Wire has been released and is in None. process. Processed Wire has been processed. None. (Status will show processed on the value date selected when initiating the wire) Rejected Wire has not been processed. Contact Treasury Management Support at (800) , Option 1 for assistance. Only applicable if approval is required to release a wire transfer. Only applicable if two approvals are required to release a wire transfer. 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. 30

32 Check the box(es) for the wire(s) you wish to act upon Click the Amount to view detailed information 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 the left of the entry and then clicking the, or buttons. Each 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 Action Buttons 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. 31

33 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. 32

34 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** 33

35 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. 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. Menu Focus 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 34

36 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. 35

37 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. Select the desired account from the Criteria box and click the button to display the results. In 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 36

38 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 Select account to view exceptions and click button 2 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. 37