REMOTE DEPOSIT CAPTURE USER REFERENCE GUIDE

Transcription

1 REMOTE DEPOSIT CAPTURE USER REFERENCE GUIDE Version Updated February 12, 2016

2 Contents About ONB Express Deposit... 1 Old National s Remote Deposit Capture Service... 1 System Requirements... 2 User Credentials & Passwords... 3 Getting Started... 3 Using ONB Express Deposit... 4 Logging In... 4 Multi-Factor Authentication Security... 5 Eligible and Ineligible Items... 9 Preparing Deposits... 9 After Your Deposit is Sent Using the Web Version Configuring Internet Explorer Navigating Registration Making a Deposit History Reporting Logging Out Using the Software Version Navigating Registration Making a Deposit Reporting Logging Out Your Support Team Appendices Appendix A: Bank Holiday Schedule Appendix B: Online Security Best Practices... 32

3 About ONB Express Deposit Old National s Remote Deposit Capture Service ONB Express Deposit is Old National Bank s remote deposit capture service designed for business customers seeking to deposit their checks without making a trip to a banking center. You will have same-day credit for your deposits when they are submitted to Old National by 7:00 PM ET (6:00 PM CT) on banking days. There are two versions of ONB Express Deposit available: Web Version: browser-based application designed to allow customers to scan up to 999 checks per deposit (allows access to view, edit or approve deposits from multiple workstations). Software Version: software-based application designed for customers who may have slower internet connectivity restrictions, or who scan more than 999 checks per deposit (allows access to view, edit or approve deposits on the installed workstation only). 1

4 System Requirements To use ONB Express Deposit, your computer must meet the following minimum requirements: Hardware Requirements Web Version Software Version Processor Pentium GHz Pentium GHz (3.0 GHz rec d) Core 2 Duo 1.86 GHz RAM 512 MB 1 GB Core 2 Duo 1.86 GHz (2.33 GHz rec d) Hard Drive Space 250 MB GB (20 GB recommended) Network Card Broadband network card Broadband network card USB Ports 1 available USB 2.0 port 1 available USB 2.0 port Screen Resolution 1024 x x 768 Check Scanner (Only these options shown are supported by Old National) Software Requirements Operating System (Only these operating systems are supported by Old National) Microsoft.NET / Visual C++ Printer Requirements Canon CR-25 or CR-55 Digital Check CheXpress CX30, Teller Scan TS215, TS230 or TS240 Panini VisionX, MyVisionX RDM ec7000i Windows 10, 32 or 64 bit (IE 11) Windows 8/8.1, 32 or 64 bit Windows 7, 32 or 64 bit Windows Vista SP 1, 32 or 64 bi Canon CR-25 or CR-55 Digital Check CheXpress CX30, Teller Scan TS215, TS230 or TS240 Panini VisionX, MyVisionX or i:deal RDM ec7000i Windows 10, 32 or 64 bit (IE 11) Windows 8/8.1, 32 or 64 bit Windows 7, 32 or 64 bit Windows Vista SP 1, 32 or 64 bit N/A. NET 4.5 / Visual C & 2008 Printer Type Local or LAN printer Local or LAN printer Internet Requirements Web Browser Internet Explorer 7, 8, 9, 10 or 11 Internet Explorer 7, 8, 9, 10 or 11 Internet Access Type Broadband (DSL, Cable, T1, etc.) Broadband (DSL, Cable, T1, etc.) Note: The current version of ONB Express Deposit is not certified compatible with Mac. 2

5 User Credentials & Passwords Before starting, you need to ensure you have received a user ID and password from Old National Treasury Management Support. Upon your first time logging into the system, any time an Old National associate resets your password, or every 45 days, you will be prompted by ONB Express Deposit to change your password. Your password must meet the following requirements: Minimum 8 characters in length Includes at least one alpha character, one numeric character, and one special character *) Must be different than any password used in the last 90 days You will be guided through the login process later in this guide. Getting Started Getting started with ONB Express Deposit is simple. After plugging your scanner into your PC s USB port and an electrical outlet, use your web browser (Internet Explorer is required) and proceed to This page will contain links to other helpful information regarding this process. For completing you re your setup it will instruct you to our Welcome to ONB Express Landing Page at Following the options across the top of this page will guide you through the process of installing scanner driver software, downloading any additional software needed, and logging into the service. Note: You will need administrator user rights on your PC in order to install ONB Express Deposit. Consult with your local IT support for assistance if you are unable to complete any of these tasks on your own. Need Assistance? Our TM support representatives will assist you with the download and installation process, if you run into difficulty. If you are in need of assistance, call Old National Treasury Management Support at (800) , Option 1. 3

6 Using ONB Express Deposit This section outlines common features and practices to be used in both the Web and the Software versions of ONB Express Deposit. Logging In If this is your first time logging into ONB Express Deposit, you will have received your User ID and temporary password from Old National s Treasury Management Support. Your user ID and password are able to be used in both versions of ONB Express Deposit. Missing Your Login Information? If you did not obtain this information, you will not be able to log in. Call Old National Treasury Management Support at (800) , Option 1 to check on the status of your setup. Web Version Login To log into the Web Version, using Microsoft Internet Explorer, begin at the ONB Express Landing Page at Proceed by clicking on the Web Client button at the bottom of this page and then adding it to your bookmarks for future access. Enter your User ID and Password then click the Login button. If your computer has been registered with our Multi- Factor Authentication security, you will be shown your custom image and phrase on the next screen. After verifying these are correct, simply click continue. If you have not yet registered your computer for Multi-Factor Authentication, that service is explained in the next section of this guide. 4

7 Software Version Login To log into the Software Version, you will need to have downloaded the software to your PC. To launch the application, click the Windows (or Start) button in the lower-left corner of your screen, select All Programs, then click Remote Deposit Capture, and then Merchant Smart Client. Enter your UserName and Password then click OK to log in. You can also create a desktop shortcut on your PC by right-clicking ONB Express Deposit from the Windows/Start menu, then selecting Send to Desktop (Create Shortcut). Multi-Factor Authentication Security Both versions of ONB Express Deposit utilize a security feature called Multi-Factor Authentication, or MFA. This feature registers your computer, identifying it as a trusted device for your user account. If your computer is not recognized as a registered device, you will be prompted to authenticate your machine by answering various challenge questions. Additionally, in the Web Version, it protects you from malicious software in your browser by displaying a personalized image and passphrase that you choose at the time of registration. Security Tip for Web Version Users If that image and passphrase do not appear after entering your user ID, stop and call our support team immediately at (800) , Option 1. Do not enter your password if the screen looks suspicious. Enrolling in Multi-Factor Authentication After you open ONB Express Deposit, you will put in your user ID and password. If you are not enrolled in the Multi-Factor Authentication service (MFA), you will be taken to our enrollment site using your web browser (Internet Explorer will need to be your default browser). Click the Begin Setup button to begin. Is Your Default Browser Not Internet Explorer? The Multi-Factor Authentication service will only work with Microsoft Internet Explorer version 7 or higher. If you use a different web browser by default, you will want to open Internet Explorer, copy the web address for Multi- Factor Authentication enrollment, and paste it into Internet Explorer in order to complete this process. 5

8 Next, you will select a picture. There are multiple categories of pictures you will choose. Choose a category from the drop-down box and then choose a picture you want to use. Next, you will enter your User ID provided to you by Treasury Management Support. To the right of the picture you selected in the previous step, you will type a personal phrase in the text box. The phrase must be at least one character in length but no more than 40. Note that your personal phrase is case sensitive. You can also choose to change your picture at the bottom of this page, if you would like to use a different image. Once you have confirmed your picture and personal phrase combination, click Continue Setup to move to the next step. 6

9 About the Picture and Passphrase This picture and personal passphrase are displayed every time you access your ONB Express Deposit (Web Version). If you don t recognize them, please contact TM Support at (800) , Option 1, before you continue. The next step involves selecting multiple challenge questions and entering their corresponding answers. Click each drop-down box, choose a question, type the answer to that question, and click Continue Setup when you are finished. 7

10 Next, you will be given the option to register your computer. While you are given the option to register your PC, you will need to register your PC in order for the software to work. You will be taken to a final screen, confirming your picture, personal phrase and the security questions you selected. If everything appears correct, enter your password and click the Submit button to complete your enrollment. Choose Register this computer From here, Web Version users will be prompted to enter their password to log in, and Software Version users will close their Internet Explorer window and go back to the software login screen. Having Trouble Registering with Multi-Factor Authentication? You may need to add to your Trusted Sites in Internet Explorer. Go to Tools Internet Options. Click the Security tab, then the Trusted Sites icon, followed by the Sites button. Type the above web address in the box, click Add and then close out of the pop-up windows. You may need to close Internet Explorer and re-open it for the changes to take effect. 8

11 Eligible and Ineligible Items To deposit using ONB Express Deposit, all items must be drawn on a Financial Institution in the United States, denominated in U.S. Dollars and be included in the list of Eligible Items below. Eligible Items Personal Checks Business Checks Cashier Checks Travelers Cheques Money Orders Note: Money orders often fail image quality due to light ink and colored backgrounds. Follow the below procedure for money orders that fail in ONB Express Deposit. Ineligible Items Cash Checks drawn on foreign financial institutions Checks printed in non-micr font or ink Imaged returned deposit items Checks denominated in non-u.s. Dollars (e.g. CAN $,,,, etc.) Checks with missing or invalid characters in the MICR line About Foreign, Unreadable and Ineligible Items If you would like to deposit foreign items, image replacement documents or items that are unable to pass ONB Express Deposit s image quality controls, you can visit your nearest Old National banking center or mail the items, with a deposit ticket, to Old National Bank, PO Box 6280, Department 100, Indianapolis, IN Note that additional fees and a delay in funds availability may occur when depositing checks drawn on foreign financial institutions. Do not mail cash. Preparing Deposits Whether using the Web or Software Version of ONB Express Deposit, you will first need to prepare the deposit to be scanned. Many of the steps you will take in this process are similar to what you would do to prepare a deposit to be taken to a banking center. 1. Add the items in the deposit using a calculator or adding machine to get a control total. ONB Express Deposit will read the scanned items to balance to your control total. 2. Ensure any staples, paper clips or other binding materials are removed from the items prior to scanning. 3. Make sure any check skirts or stubs are removed. 4. If you are using a scanner that is a multi-feed scanner (such as a Digital Check TellerScan 240 or a Panini Vision X), we recommend grouping personal checks together, then putting business checks behind them. This will help minimize mis-feeds. Refer to the Using the Web Version and Using the Smart Client sections of this guide for more information on how to process your deposits. 9

12 After Your Deposit is Sent Within 30 minutes of transmitting your deposit, you will receive an acknowledgment from Old National that your deposit has been received. Missing Your Deposit Confirmation ? If you do not receive your confirmation, first check your junk or spam folder in your . If the is not in that folder, contact our support team at (800) , Option 1 for assistance. We will validate that your account on file is accurate and set to receive confirmations. After transmission, you are required to store your scanned checks in a secure location for 14 days. From time to time, National may contact you about a check you have scanned deposit, and you may need to access the check to provide a copy to us. We strongly encourage the use of tamper-evident plastic deposit bags to store your items during this time. These bags be purchased at most office supply stores or through Old National. Place the item in the bag and seal it, writing the of deposit and any additional identifying information on the outside of the bag. Store the bags in a safe or another secure, locked location. After 14 days, you are encouraged to shred the items. Old for can date 10

13 Using the Web Version Configuring Internet Explorer For the Web Version to properly function, you will need to configure a few settings in Internet Explorer. First, you will need to add this site to your browser s trusted sites. Click Tools Internet Options. Click the Security tab in the Internet Options pop-up window. Click Trusted Sites and then click the Sites button. In the Add this website to the zone: box, type click Add then click Close. Next, click the Custom Level button. Under the Reset to: Select Medium-low from the drop-down, click Reset, and then click Yes. 11

14 Next, scroll to Download signed ActiveX controls under ActiveX controls and plug-ins heading and click Enable. Scroll further down, under the Miscellaneous heading to Access data sources across domains and click Enable. Then to Websites in less privileged web content zone can navigate into this zone and click Enable, and then click OK. 12

15 A message may appear, confirming the change. Click Yes. If prompted again with the following warning, select Yes. Once returned to the Internet Options, click Apply and then OK. 13

16 Navigating After logging into ONB Express Deposit, you will be taken to the home screen. This screen can be accessed at any time by clicking the ONB Express Deposit logo in the upper-left corner of the window or by clicking on Deposits in the menu. There are five sections to the home screen: Menu Bar: Use to navigate to various areas of ONB Express Deposit. Notices: View announcements from Old National. Create Deposit: Start a new deposit by selecting an account and entering a control total. Open Deposits: Deposits that have been started but have not yet been transmitted to Old National. Deposit History: List of successfully transmitted deposits using ONB Express Deposit. Menu Bar Notices Area Create Deposit Open Deposits Deposit History Menu Bar The Menu Bar is your primary means for navigation in ONB Express Deposit. It contains links to the following sections: Change Password: Change your password for ONB Express Deposit. Note that changes will apply to the software-based version, as well as the web-based version. Administration: Administer other users, unlock users whose access has been suspended. This feature is only available to administrator users. Registration: Identifies your location ID and scanner type. This step is typically only needed to be completed upon the first time using a PC or if you have deleted your browser s cookies. Deposits: This is the home screen in ONB Express Deposit. Note that clicking on the ONB Express Deposit logo will not take you to this screen; but rather will log you out and take you to oldnational.com. 14

17 History: Search the last 45 days of transmitted deposit history in ONB Express Deposit to locate certain items or deposits. Reports: Create various reports to be printed or saved to your PC for your activity in ONB Express Deposit Help: Use to get acquainted in how to use ONB Express Deposit. Logout: Recommended at the end of each session. Registration In the menu bar, click the Registration link. If the Locations box is set at Select Location or the Scanners box is set at Select Scanner, you will need to click the Re-register button. Choose your settings and click Re-register again to complete this process. You will get a response of, This machine has been successfully registered. Making a Deposit Navigate to the Deposits link using the Menu Bar. To create a new deposit, in the Create Deposit section, select a deposit account from the drop-down list, enter a control total, and click the Proceed button. There are four steps to the process: Capture, Correct, Balance and Review. 15

18 Step 1: Capture You will be taken to the Capture screen. Click the Start Scan button to begin. Insert the checks into the check scanner and allow it to capture the images. For single feed scanners, such as the Digital Check CX30 or TellerScan 215 or the RDM ec7000i, you should only insert one check at a time. For multi-feed scanners, such as the Digital Check TellerScan 230 or 240, the Panini My Vision X or Vision X, or the Canon CR-55, we recommend not inserting more than items in the hopper at a time. ONB Express Deposit s Web Version has a capacity of 999 checks per deposit. If you need to deposit more than 100 checks, simply create a separate deposit ticket or contact us to talk about our Software Version. The scanner will capture an image of the front and back of each item. ONB Express Deposit will read the check to determine if a valid MICR line exists and will also capture the amount of the check, adding your checks together to balance the deposit to the total you entered in the previous step. Depending on the model of scanner you use, you may have to feed each check individually, or you may be able to place a stack of checks into the scanner s feeder tray for the scanner to pick up, one-by-one, until the feeder tray is empty. During scanning, a virtual endorsement will appear on the image of the back of the item. You will not need to manually endorse the checks. 16

19 Once you have finished scanning your images, click the Close button. ONB Express Deposit will provide a list of checks captured, along with any MICR information and amounts read by the software. You can click on each item in the list to view the image captured. To remove an item from the list, click the red X to the left of the item. To scan additional checks, press the Start Scan button. If your items look correct and you are finished scanning checks, press the Proceed button. 17

20 Step 2: Correct If any items fail one of ONB Express Deposit s quality assurance checks, you may be asked to correct the items. Common failures include duplicate items, amount recognition not meeting confidence levels and MICR misread. You may be prompted to either verify the information or to scan the item in question again. Click the Accept button to verify that the software correctly read the item or to approve any changes you have made to the item. To remove an item from the deposit, click the Remove button. Once all items have been reviewed, you will proceed to balancing. Step 3: Balance If your deposit does not balance to the total you entered before scanning the checks, you will be prompted to balance the deposit. You will be able to review each image in the deposit to determine why your deposit is out of balance. To change the amount, click on the item in the list and the amount read will display beneath the image. Correct the amount and click the Save button. You can also remove checks from the deposit by clicking the red X to the left of each item in the list. Lastly, you may want to add your checks to confirm your control total is accurate. Once your deposit has been brought into balance, click Balance Deposit then click Proceed. 18

21 Step 4: Review and Transmit ONB Express Deposit will create a virtual deposit ticket for the balanced amount. On this screen, you can edit any deposit-specific custom fields, if enabled. To finish with transmitting the deposit, click Finish Deposit. If you do not want to submit the deposit at this time, you can return to the home page and find the deposit in your My Open Deposits list. Understand Your User Permissions Not all users are allowed to complete a final transmission to Old National. If you are only given permission to scan deposits, but not to transmit them, then you will not see this last step. A user with the ability to approve deposits for processing would then need to log in and find your deposit in the My Open Deposits section of the home page in order to finish the deposit submission process. You will be taken to a confirmation screen that will tell you if the deposit was successfully submitted. From this screen, you can create one of four reports for the deposit or return to the home page. After successfully transmitting the deposit, you will receive a confirmation within 30 minutes to acknowledge Old National has received your deposit. 19

22 Working with Open Deposits If you do not immediately transmit your deposit, or if you are an administrator reviewing other users deposits, on the home page, you will see a list of open deposits. To review the items in the deposit, click the number hyperlink in the ItemCount column. If you would like to remove the deposit, click the red X to the left of it. You will be guided through the Capture, Correct, Balance and Review process for the deposit, which are detailed in the previous pages of this section. 20

23 History ONB Express Deposit will retain your history for 45 calendar days after deposit transmission. You can access your history from the home screen in the My Recent Deposits section or by clicking History in the Menu Bar. To open the deposit, click on the number hyperlink in the ItemCount column. Once you have opened a previous deposit, you can view each image and the associated information that was captured in the Deposit Information pane. Searching for Items You can also search for items using the History screen by scrolling to the Search Deposit History Items section of the screen. Here, you are able to locate items based on type, date, location, user, amount, serial number, account number, transit routing number, and sequence ID. Enter your settings and click the Search button. 21

24 The results screen will display your results. To view images of items, click on the item in the Item Search Results pane. You can also create an image report or export information to Excel from this screen. Reporting ONB Express Deposit will retain your deposit reports for 45 calendar days after deposit transmission. To access the reports, click Reports in the Menu Bar. The reports available include: Deposit Detail Report: displays a list of items included in the deposit Deposit Image Report: displays a deposit summary along with images of the front and back of each item Deposit Image Report (Front Only): displays a deposit summary along with images of the front of each item Deposit Image Report (1x3): displays the same information as the Deposit Image Report (Front Only) but displays three images to a page instead of six. Deposit Summary Report: displays basic information about all deposits in a specific date range or completed at a specific location All Deposits Detail Report: displays the same information as the Deposit Detail Report, but can be expanded to view multiple deposits in a single report Export Standard Data File: exports a CSV-formatted file with deposit information Export Data File by Layout: exports a CSV-formatted file in a custom file format. Consult with Treasury Management Support for assistance with custom file formats. Location Summary Report: displays summary information per deposit location. Pending Rejected Summary Report: displays summary of all deposits that have been submitted for Client Approval. It can only be viewed by users who have the Approval Role assigned. 22

25 To choose a report, click the circle radio button to the left of its name. Once you have chosen a report, select the relevant criteria and choose whether to view in tab view (same screen) or window view (new pop-up screen), then click View Report. 23

26 Reports can be exported in a variety of formats or printed. Export file format options include XML, CSV, PDF, MHTML, Excel, TIFF and Word. Click the Select a format drop-down to choose an option then click Export. Having Trouble Viewing or Printing Reports? The ONB Express Deposit Web Version requires two browser plug-in applications in order to view and print reports. If you aren t able to view or print reports, you should see a prompt near the top of your browser pane (just beneath the address bar), asking you to install these controls. You will need to have administrator permissions for your PC in order to install these plug-in controls. Please consult with your company s internal IT support to assist with installation. Logging Out After you are done with your ONB Express Deposit session, to exit, click Logout in the upper-right hand corner of your browser window. 24

27 Using the Software Version Navigating After logging into ONB Express Deposit, you will be taken to the home screen. This screen can be accessed at any time by clicking the Home button in the upper-left corner of the window. There are four sections to the home screen: Menu Bar: Use to navigate to various areas of ONB Express Deposit. Notices: View announcements from Old National. All Deposits: Pending or recently completed deposits made from your PC. Deposit Details: Information about a deposit selected in the All Deposits pane. Note that you can hide various panes by clicking on the Hide/Show buttons along the right margin of the window. Menu Bar Notices Area All Deposits Deposit Detail Registration The first time you use your PC with ONB Express Deposit, you will need to register your location and scanner type. In the menu bar, click Tools Register. In the Locations box, choose which of your company s locations you are depositing from and then choose which scanner model you are using, then click Register Client. You will only need to complete this step the first time you use this service with a new PC or if you change scanner models. 25

28 Making a Deposit In the Icon Bar, click the New Deposit button. Select the account of deposit, enter your total, and click Capture Items. Step 1: Capture Insert the checks into the scanner. For single feed scanners, such as the Digital Check CX30 or TellerScan 215 or the RDM ec7000i, you should only insert one check at a time. For multi-feed scanners, such as the Digital Check TellerScan 230 or 240, the Panini My Vision X or Vision X, or the Canon CR-55, we recommend not inserting more than items in the hopper at a time. The scanner will capture an image of the front and back of each item. ONB Express Deposit will read the check to determine if a valid MICR line exists and will also capture the amount of the check, adding your checks together to balance the deposit to the total you entered in the previous step. Depending on the model of scanner you use, you may have to feed each check individually, or you may be able to place a stack of checks into the scanner s feeder tray for the scanner to pick up, one-by-one, until the feeder tray is empty. During scanning, a virtual endorsement will appear on the image of the back of the item. You will not need to manually endorse the checks. Once all checks have been scanned, click the Stop Scanner button, and then Yes to continue. Step 2: Correct If any items fail one of ONB Express Deposit s quality assurance checks, you may be asked to correct the items. Common failures include duplicate items, amount recognition not meeting confidence levels and MICR misread. You may be prompted to either verify the information or to scan the item in question again. Click the Accept button to verify that the software correctly read the item or to approve any changes you have made to the item. To re-scan an item, click the Replace Image button and scan the item a second time. To remove an item from the deposit, click the Remove button. Once all items have been reviewed, you will proceed to balancing. 26

29 Step 3: Balance If your deposit does not balance to the total you entered before scanning the checks, you will be prompted with this Balance Adjustment window. If your deposit difference is $0.00, then click Generate Deposit Ticket. If not, then click Cancel to proceed to the balancing phase. Here, you will be able to review each image in the deposit to determine why your deposit is out of balance, make corrections to items or control total, and then click on the Balance button. Step 4: Transmit You are now ready to transmit your deposit, if you like. After clicking Transmit Now, ONB Express Deposit will create a virtual deposit ticket and send the items to the bank for posting. You may send deposit at any time, outside of announced maintenance timeframes, but any deposits received after the cut-off time of 7:00 PM ET (6:00 PM CT) will post on the following business day. You will be asked if you would like to print a deposit report after transmission. If you don t print a report at this stage, you can access the report by clicking the Reports button in the Icon Bar. If you prefer to scan additional deposits before transmitting, simply click the Transmit Later button. These deposits will appear on the home screen in your deposit list and can be transmitted at that time. 27

30 Understand Your User Permissions Not all users are allowed to complete a final transmission to Old National. If you are only given permission to scan deposits, but not to transmit them, then you will not see this last step. A user with the ability to approve deposits for processing would then need to log in and find your deposit in the All Deposits section of the home page in order to finish the deposit submission process. Working with Open Deposits If you do not immediately transmit your deposit, or if you are an administrator reviewing other users deposits, on the home page, you will see a list of open deposits in the All Deposits pane. To review the items in the deposit, double-click the deposit. If you would like to remove the deposit, click the red X to the left of it. Or, to transmit, click the Transmit button. 28

31 Reporting ONB Express Deposit will retain your deposit reports and history on your local PC for 45 calendar days after deposit transmission. To access the reports, click the Reports button in the Icon Bar. Reports can be exported in Excel, CSV or PDF format for your records. Available reports include Deposit Detail, All Items Detail, Deposit Summary, Deposit Detail Image and Item Detail Data. You will only be able to view reports for deposits using the same PC from which they were scanned. BankConnect Plus Customers If you subscribe to Information Reporting on BankConnect Plus, Old National s online Treasury Management suite, you will have access to the last two years images of deposited items, including those transmitted using ONB Express Deposit. To view the images, you must have access rights to the account of deposit. Find Items Within 45 days of deposit transmission, you can also search for any field captured during the scanning process. To use this function, click the Find Items button in the Icon Bar. Search by date, amount, serial number, account number, routing number, sequence ID, or by the user who scanned the item. Logging Out After you are done with your ONB Express Deposit session, to exit, either click the X in the top-right of the window or close the software by clicking File in the menu bar at the top and selecting the option to close. 29

32 Your Support Team When you need assistance with ONB Express Deposit or any of Old National s Treasury Management services, call our team of specialists we re here to help. Treasury Management Customer Support , Option 1 CashManagement@oldnational.com Monday-Friday, 8:00 AM to 6:00 PM ET (7:00 AM to 5:00 PM CT) (Note: any user changes must be authorized by an authorized account signer Customer Support will provide the required documentation for these changes) 30

33 Appendices Appendix A: Bank Holiday Schedule Old National does not process ONB Express Deposit transactions on the following Federal Holidays: Old National Bank 2016 Holiday Schedule New Year s Day Friday, January 1 Martin Luther King, Jr. Day Monday, January 18 President s Day Monday, February 15 Memorial Day Monday, May 30 Independence Day Monday, July 4 Labor Day Monday, September 5 Columbus Day Monday, October 10 Veteran s Day Friday, November 11 Thanksgiving Day Thursday, November 24 Christmas Day Monday, December 26 31

34 Appendix B: 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 ONB Express Deposit session from unwanted intruders and internal fraud. 1. Use Dual Control Where Possible Maintaining dual control over internal banking processes is strongly encouraged by Old National. For example, you may have one staff member add the total deposit and have a second staff member scan and transmit the deposit, to make sure the amounts match. We also recommend having two staff members securely storing the checks, writing their initials on the bag to verify its contents. These procedures can help protect your company from errors and internal fraud. 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 , Option 1 immediately to notify us of the attack. We will review your user account for any suspicious activity. 3. Review your Deposit History Regularly Use the reports in ONB Express Deposit to make sure that the deposits 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 you to ask for your password or token passcode. 5. Restrict User Rights Where Possible If you have multiple ONB Express Deposit 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 ONB Express Deposit Home Page Notices We periodically post information about recent security issues and how to protect yourself on the Home Page of ONB Express Deposit. 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 Log-in Pages in an 32

35 While it may seem more convenient to click a link in an 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. Always use links you access through OldNational.com or which you have previously bookmarked. 9. When in Doubt, Call Us at , Option 1. 33