How to Make Payments on OldNational

The OldNational platform provides multiple payment methods for businesses, including ACH origination, wire transfers, account-to-account transfers, tax payments, and bill pay. This guide covers each payment type, setup procedures, and best practices.

Table of Contents

1. ACH Origination
2. Wire Transfers
3. Account-to-Account Transfers
4. Tax Payments
5. Bill Pay
6. Payee Management
7. Payment Templates
8. Approval Workflows

ACH Origination

ACH (Automated Clearing House) payments allow you to transfer funds electronically between accounts at different financial institutions. OldNational supports multiple ACH payment types:

Supported ACH Types

Type	Use Case	SEC Code
Direct Deposit (Payroll)	Employee salary payments	PPD
Vendor Payments	Payments to suppliers and vendors	CCD/CTX
Government Payments	Tax payments to federal/state entities	CCD+
Customer Billing	Collect payments from customers	PPD/WEB
Interbank Transfers	Move funds between institutions	CCD

How to Create an ACH Payment

1. Log in to OldNational via Secure Browser or Token.
2. Navigate to the Payments or ACH section.
3. Select the account to debit.
4. Choose an existing template or create a new payment.
5. Enter or select the payee information (routing number, account number, name).
6. Specify the amount and effective date.
7. Select the appropriate SEC code for the payment type.
8. Add any required addenda records (for CCD+ payments).
9. Review the payment details for accuracy.
10. Submit for approval (if dual-control is enabled).
11. An authorized approver must approve the file before it is sent.

Wire Transfers

OldNational supports both domestic and US Dollar international wire transfers. Wire transfers provide same-day settlement and are ideal for high-value or time-sensitive payments.

How to Initiate a Wire Transfer

1. Log in to OldNational.
2. Navigate to the Wire section under Payments.
3. Select Domestic Wire or International Wire (USD).
4. Choose the funding account.
5. Enter the beneficiary information: name, address, account number.
6. Enter the receiving bank information: bank name, routing number (domestic) or SWIFT/BIC code (international).
7. Specify the wire amount and any bank-to-bank instructions.
8. Add optional memo or reference information for tracking.
9. Review all details carefully — wire transfers are difficult to reverse.
10. Submit for approval if dual-control is required.

Wire Transfer Cut-Off Times

Wire transfer cut-off times vary by institution. Typically, domestic wires must be submitted by early afternoon Eastern Time for same-day processing. International USD wires may have an earlier cut-off. Confirm specific times with your Treasury Management support.

Account-to-Account Transfers

You can transfer funds between your own accounts at the bank in real-time. This is useful for moving money between operating accounts, savings, or loan accounts.

How to Transfer Between Accounts

1. Log in to OldNational.
2. Navigate to Transfers or Account Transfer.
3. Select the source account (account to debit).
4. Select the destination account (account to credit).
5. Enter the transfer amount.
6. Choose whether to make it one-time or recurring.
7. Submit the transfer.

Account-to-account transfers typically process immediately during business hours.

Tax Payments

OldNational allows you to send electronic tax payments to government entities, including federal and state tax authorities. This replaces paper coupon-based payments.

How to Make a Tax Payment

1. Log in to OldNational.
2. Navigate to Tax Payments.
3. Select the tax type (federal, state, local).
4. Enter the tax form number and tax period.
5. Specify the payment amount.
6. Enter any required identification numbers (EIN, state tax ID).
7. Set the settlement date.
8. Review and submit.

Bill Pay

Business Bill Pay allows you to manage, pay, and receive bills from a single secure interface. Key features include:

• Pay vendors and suppliers electronically
• Schedule one-time or recurring payments
• Control when payments are processed
• Eliminate paper check printing and mailing
• Access through OldNational — no separate login required

Payee Management

OldNational includes a comprehensive payee management system:

• Create Payees: Add individual payees with full banking details (routing number, account number, address).
• Import Payees: Upload an entire list of payees at once using the import maintenance feature.
• Edit Payees: Update payee information as needed.
• Organize by Service: Payees can be associated with specific services and accounts.
• Approval Required: New payees may require administrator approval before use (depending on configuration).

Payment Templates

Templates save time for recurring payments by storing payment details for future use:

• Create templates for regular payroll runs
• Set up vendor payment templates with standard amounts
• Configure templates for recurring transfers
• Templates can be shared with other authorized users
• Templates require administrator approval before activation

Approval Workflows

OldNational supports dual-control (maker-checker) workflows for enhanced security:

• Maker: Creates and submits the payment.
• Checker: Reviews and approves/rejects the payment.
• Approval limits can be set by dollar amount and payment type.
• Multiple approvers can be required for high-value transactions.
• All actions are logged in the audit trail.

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