OldNational Features Overview

OldNational is built as a modular platform, allowing businesses to customize their online banking experience. This guide provides a comprehensive overview of all available features organized by category.

Table of Contents

1. Account Information
2. Reporting & Data Export
3. Payments Capabilities
4. Fraud Prevention Tools
5. Alerts & Notifications
6. Mobile Features
7. Third-Party Integrations
8. Access Control & Permissions

Account Information

The Account Information module provides comprehensive visibility into your accounts:

• Transaction History: View 13 months of detailed transaction records and check images on both desktop and mobile devices.
• eStatements: Access 24 months of electronic statements and Analysis eStatements.
• Real-Time Balances: View current and available balances across all enrolled accounts.
• Transaction Search: Search for specific transactions by date, amount, check number, or description.
• NACHA Detail File Report: View and download incoming ACH payment information.
• Stop Payments: Place stop payments on checks in real-time.

Reporting & Data Export

OldNational offers flexible reporting that enables informed cash management decisions:

Download Formats

Reports can be exported in multiple formats to integrate with your accounting systems:

Format	Best For
PDF	Human-readable reports and statements
BAI2	Bank administration institute standard format
MT940	SWIFT message format for international reconciliation
CAMT052	ISO 20022 standard for bank-to-customer reporting
CSV	Spreadsheet analysis and custom processing
QFX	Quicken financial software import
QBO	QuickBooks Online import

Custom Reports

• Create and schedule custom reports for automatic email delivery.
• Build report templates tailored to your specific needs.
• Generate balance reports across multiple accounts.
• Create cash position reports for daily liquidity management.
• Access EDI (Electronic Data Interchange) detail reports.

Payments Capabilities

The payments module supports multiple transaction types:

• ACH Origination: Process payroll, vendor payments, and customer collections.
• Domestic Wire Transfers: Same-day high-value payments within the US.
• USD International Wires: Send US Dollar payments to international beneficiaries.
• Account Transfers: Real-time transfers between your accounts.
• Tax Payments: Electronic payments to federal and state government entities.
• Business Bill Pay: Manage and schedule bill payments from one interface.
• Controlled Disbursement: Access itemized check listings and daily totals by 9am ET/8am CT.

For detailed payment instructions, see our How to Payments guide and the ACH & Wire detailed guide.

Fraud Prevention Tools

Protect your accounts with multiple layers of fraud prevention:

• Check Positive Pay: Monitor checks posted to your accounts and decide to pay or return each item. Compare issued check files against presented items.
• ACH Positive Pay: Review and approve/return incoming ACH transactions based on predefined rules.
• ACH Debit Block: Block all incoming ACH debits, with optional whitelist for approved originators.
• Stop Payments: Place real-time stop payments on individual checks.
• Dual Control: Require two authorized users for payment approvals.

Learn more in our Security & Fraud Prevention guide.

Alerts & Notifications

Stay informed with customizable alerts delivered via email or SMS text message:

• Balance threshold alerts (above/below specified amount)
• Transaction alerts (deposits, withdrawals, wire transfers)
• ACH file receipt notifications
• Positive Pay decision reminders
• Failed login attempt alerts
• Profile or permission change notifications
• Check clear alerts

Alerts can be configured at the user level, allowing each team member to receive notifications relevant to their role.

Mobile Features

ONPointe Mobile provides on-the-go access to key platform features:

• View account balances and transaction history
• Approve pending payments and ACH files
• Make account-to-account transfers
• Receive and view alerts
• Access eStatements
• View 13 months of transaction images

The mobile app uses the same credentials as the desktop platform with simplified MFA for convenience.

Third-Party Integrations

OldNational integrates with popular business software:

• QuickBooks Desktop: Direct connection for transaction download and reconciliation.
• QuickBooks Online: Export data in QBO format for seamless import.
• Quicken: Export in QFX format for personal/small business finance management.
• FTP/SFTP: Automated file delivery and pickup for enterprise accounting systems.
• Single Sign-On (SSO): The ONPointe Secure Browser provides SSO access to multiple banking services.

Access Control & Permissions

OldNational provides granular access control at the user level:

• User Roles: Assign roles with predefined permission sets.
• Account-Level Access: Control which accounts each user can view and transact on.
• Feature-Level Access: Enable or disable specific features per user (e.g., wire access for authorized personnel only).
• Approval Limits: Set dollar limits for payment approvals per user.
• Audit Trail: All user activity is logged and accessible to administrators.
• Self-Administration: Company administrators can manage users without contacting the bank.

For detailed admin procedures, see our Admin Setup Guide.

Platform Comparison: OldNational vs. ONPointe Essentials

Feature	OldNational	ONPointe Essentials
Account Information	✓ Full	✓ Basic
ACH Origination	✓	Optional add-on
Wire Transfers	✓	—
Positive Pay	✓ Check & ACH	Reverse check (optional)
Custom Reports	✓ Full	—
Mobile Access	✓	✓
Bill Pay	✓	Optional add-on
User Management	✓ Full admin	Limited

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