Express Deposit User Guide

Express Deposit User Guide
Version 16.0
REMOTE DEPOSIT CAPTU RE
USER REFERENCE GUIDE
Version 16.0 - Updated April 27, 2017
ONB EXPRESS DEPOSIT USER GUIDE
Contents
About ONB Express Deposit ......................................................................................................................... 3
Old National’s Remote Deposit Capture Service .................................................................................. 3
System Requirements........................................................................................................................... 4
User Credentials & Passwords ............................................................................................................. 5
Getting Started ...................................................................................................................................... 5
Using ONB Express Deposit .......................................................................................................................... 6
Logging In ............................................................................................................................................. 6
Multi-Factor Authentication Security ..................................................................................................... 8
Eligible and Ineligible Items................................................................................................................. 12
Preparing Deposits ............................................................................................................................. 12
After Your Deposit is Sent ................................................................................................................... 13
Using the Web Version ................................................................................................................................ 14
Configuring Internet Explorer .............................................................................................................. 14
Navigating ........................................................................................................................................... 17
Registration ......................................................................................................................................... 18
Making a Deposit ................................................................................................................................ 19
History................................................................................................................................................. 25
Reporting ............................................................................................................................................ 26
PDF Viewer Required (New v.16 Fall 2016) ....................................................................................... 30
My Profile Tab (New v.16 Fall 2016) ................................................................................................... 31
Logging Out ........................................................................................................................................ 32
Using the Software Version ......................................................................................................................... 33
Navigating ........................................................................................................................................... 33
Registration ......................................................................................................................................... 33
Making a Deposit ................................................................................................................................ 34
Reporting ............................................................................................................................................ 38
Password Change / Resets (New v.16 Software - Fall 2016) ............................................................. 39
Logging Out ........................................................................................................................................ 40
Your Support Team ..................................................................................................................................... 40
Appendices .................................................................................................................................................. 41
Appendix A: Bank Holiday Schedules ................................................................................................. 41
Appendix B: Online Security Best Practices........................................................................................ 42
ONB EXPRESS DEPOSIT USER GUIDE
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 sameday 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).
ONB EXPRESS DEPOSIT USER GUIDE
System Requirements
To use ONB Express Deposit, your computer must meet the following minimum requirements:
Web Version v.16
Software Version v.16
Hardware Requirements
Processor
Pentium 4 2.0 GHz
Pentium 4 2.0 GHz (3.0 GHz rec’d)
Core 2 Duo 1.86 GHz
Core 2 Duo 1.86 GHz (2.33 GHz rec’d)
RAM
512 MB
1 GB
Hard Drive Space
250 MB
2 GB
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 768
1024 x 768
Check Scanner
Canon CR-25 or CR-55
Canon CR-25 or CR-55
Digital Check CheXpress CX30,
Teller Scan TS215, TS230 or TS240
Digital Check CheXpress CX30,
Teller Scan TS215, TS230 or TS240
Panini VisionX, MyVisionX
Panini VisionX, MyVisionX or i:Deal
RDM ec7000i
RDM ec7000i
Software Requirements
Operating System
Windows 10, 32 or 64 bit (IE 11)
Windows 10, 32 or 64 bit (IE 11)
(Only these operating
systems are
supported by Old
National)
Windows 8/8.1, 32 or 64 bit
Windows 8/8.1, 32 or 64 bit
Windows 7, 32 or 64 bit
Windows 7, 32 or 64 bit
Windows Vista SP 1, 32 or 64 bit
Windows Vista SP 1, 32 or 64 bit
Microsoft .NET /
Visual C++
N/A
. NET 4.5 / Visual C++ 2008 SP1
Printer Requirements
Printer Type
Local or LAN printer
Local or LAN printer
Internet Requirements
Web Browsers
Internet Explorer 9, 10 or 11
Additional
Applications
Adobe PDF Viewer – Required for
viewing reports
Internet Explorer 9, 10 or 11
Note: The current version of ONB Express Deposit is not yet supported for Mac.
ONB EXPRESS DEPOSIT USER GUIDE
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 (e.g. !, @, *)
 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 a simple process that should take 10-20 minutes. 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 http://www.oldnational.com/expresssetupsetup. This page will
contain links to other helpful information regarding this process. To complete your setup, it will instruct you
to our Welcome to ONB Express Landing Page at
https://direct3.imagedepositgateway.com/merchant/3109/. 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) 8441720, Option 1.
ONB EXPRESS DEPOSIT USER GUIDE
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) 844-1720, 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
https://direct3.imagedepositgateway.com/merchant/3109/. Proceed by clicking on the Web Client
button at the bottom of this page and then adding the login page to your bookmarks for future access. If
you prefer having an icon on your desktop, follow these steps to create an IE 32bit shortcut to the login
page URL shown below.
https://direct3.imagedepositgateway.com/MultiFactorAuthenticationWebClient/Default.aspx?ReturnUrl=%2fMerc
hantCaptureWebClient%2fDefault.aspx%3finstitution%3d3109&institution=3109
•
•
•
•
•
•
•
•
On the Desktop, right-click, select New Shortcut
Browse to "C:\Program Files (x86)\Internet Explorer\iexplore.exe" if on a 64bit PC, or
"C:\Program Files\Internet Explorer\iexplore.exe" if on a 32bit PC.
Click Next
Name your shortcut (for example: ONB Express Deposit)
Click Finish
Highlight and copy the URL above
Right-click on this new shortcut, then select Properties
On the Shortcut tab, in the Target box
▪ Place your cursor after the “ at the far right
▪ Insert a space
▪ Paste this above URL
▪ Click on Apply, and then OK
ONB EXPRESS DEPOSIT USER GUIDE
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, 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.
ONB EXPRESS DEPOSIT USER GUIDE
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) 844-1720, 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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
ONB EXPRESS DEPOSIT USER GUIDE
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) 844-1720, 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.
ONB EXPRESS DEPOSIT USER GUIDE
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 https://*.imagedepositgateway.com 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.
ONB EXPRESS DEPOSIT USER GUIDE
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
46206-6280. 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.
ONB EXPRESS DEPOSIT USER GUIDE
After Your Deposit is Sent
Within 30 minutes of transmitting your deposit, you will receive an acknowledgment email from Old National
that your deposit has been received.
Missing Your Deposit Confirmation Email?
If you do not receive your email confirmation, first check your junk or spam folder in your email. If the email
is not in that folder, contact our support team at (800) 844-1720, Option 1 for assistance. We will validate
that your email account on file is accurate and set to receive email confirmations.
After transmission, you are required to store your scanned
checks in a secure location for 14 days. From time to time,
Old National may contact you about a check you have
scanned for 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
can be purchased at most office supply stores or through Old
National. Place the item in the bag and seal it, writing the
date 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.
ONB EXPRESS DEPOSIT USER GUIDE
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 https://*.imagedepositgateway.com, 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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
ONB EXPRESS DEPOSIT USER GUIDE
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
ONB EXPRESS DEPOSIT USER GUIDE
Menu Bar
The Menu Bar is your primary means for navigation in ONB Express Deposit. It contains links to the
following sections:
•
•
•
•
•
•
•
•
My Profile: This tab, formerly labeled as Change Password, has allows you to change your
password and add or edit your email address and phone numbers.
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.
History: Search the last 90 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.”
ONB EXPRESS DEPOSIT USER GUIDE
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.
(Express Deposit now supports the ability to list accounts in a specific order during account selection when
creating a deposit. If you would like your accounts listed in different order than they are currently, contact
our Treasury Management Support Team at 1-800-844-1740, option 1.)
There are four steps to the process: Capture, Correct, Balance and Review.
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 10-15 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 this number of checks, create a separate deposit ticket or contact us to talk about our Software
Version.
ONB EXPRESS DEPOSIT USER GUIDE
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 you have finished scanning your images, click the Close button.
ONB EXPRESS DEPOSIT USER GUIDE
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.
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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
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.
ONB EXPRESS DEPOSIT USER GUIDE
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 email within 30 minutes to
acknowledge Old National has received your deposit.
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
ONB EXPRESS DEPOSIT USER GUIDE
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.
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.
ONB EXPRESS DEPOSIT USER GUIDE
History
ONB Express Deposit will retain your history for 90 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, trans code, account number, transit routing number, and sequence ID. Enter your settings and
click the Search button.
ONB EXPRESS DEPOSIT USER GUIDE
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 90 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.
ONB EXPRESS DEPOSIT USER GUIDE
•
•
•
•
•
•
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.
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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
ONB EXPRESS DEPOSIT USER GUIDE
Report Footer Content - The date, time, and name of the user who generated a report are now displayed
within the footer of all Express Deposit reports.
Having Trouble Viewing or Printing Reports?
ONB Express Deposit Web Version now uses a PDF Viewer to view all reports to maintain consistency
across all supported browsers. Please view the following page for more information regarding our
recommendations.
Please note: You may need to consult with your company’s internal IT support to assist with
installation.
ONB EXPRESS DEPOSIT USER GUIDE
PDF Viewer Required (New v.16 Fall 2016)
We recommend that Adobe Acrobat Reader be used for viewing the PDF reports for this product. If you go
to your Start Button, select Control Panel, then Programs and Features, and do not see Adobe Acrobat
installed, you can install it by going to following link https://get.adobe.com/reader/, which will bring up the
following page. Uncheck the unwanted optional offers in the center section, then proceed by clicking on the
Install now button.
ONB EXPRESS DEPOSIT USER GUIDE
My Profile Tab (New v.16 Fall 2016)
The former Change Password tab has been renamed to the My Profile tab. This screen allows you to
change your password in the upper section, and add or edit your email address and phone numbers in the
lower section. Password changes are limited to one per day; to change a password more than once in the
same day, contact Support to have it reset (800-844-1720 option 1).
An email address is required for all users to allow for email notifications on password reset or changed
passwords. When a new user is created or a password reset the system automatically generates a
password, manual password entry is no longer permitted. Users will then be notified with an email
notification with the password information. If you receive this message and have not requested your
password to be reset, please contact our Treasury Management Support Team at 1-800-844-1720,
option 1, immediately.
This is a sample of the email notification:
ONB EXPRESS DEPOSIT USER GUIDE
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. Express Deposit has been updated to conform to the secure development
practices to not allow concurrent logins for the same user.
ONB EXPRESS DEPOSIT USER GUIDE
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.
ONB EXPRESS DEPOSIT USER GUIDE
Making a Deposit
In the Icon Bar, click the New Deposit button. Select the account of deposit, enter your total, and click
Capture Items.
(Express Deposit now supports the ability to list accounts in a specific order during account selection when
creating a deposit. If you would like your accounts listed in different order than they are currently, contact
our Treasury Management Support Team at 1-800-844-1740, option 1.)
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 10-15 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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
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.
ONB EXPRESS DEPOSIT USER GUIDE
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.
ONB EXPRESS DEPOSIT USER GUIDE
If you prefer to scan additional deposits before transmitting, click the Transmit Later button. These
deposits will appear on the home screen in your deposit list and can be transmitted at that time.
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.
ONB EXPRESS DEPOSIT USER GUIDE
Reporting
ONB Express Deposit will retain your deposit reports and history on your local PC for 90 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.
Report Footer Content - The date, time, and name of the user who generated a report are now displayed
within the footer of all Express Deposit reports.
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
ONB EXPRESS DEPOSIT USER GUIDE
transmitted using ONB Express Deposit. To view the images, you must have access rights to the account
of deposit.
Find Items
Within 90 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.
Password Change / Resets (New v.16 Software - Fall 2016)
Appearance of Screen for Changing Your Password
An email address must now be entered when user is prompted to change password. Password changes
are limited to one per day; to change a password more than once in the same day, contact Support to have
it reset (800-844-1720 option 1).
An email address is required for all users to allow for email notifications on password reset or changed
passwords. When a new user is created or a password reset the system automatically generates a
password, manual password entry is no longer permitted. Users will then be notified with an email
notification with the password information. If you receive this message and have not requested your
password to be reset, please contact our Treasury Management Support Team at 1-800-844-1720,
option 1, immediately.
ONB EXPRESS DEPOSIT USER GUIDE
This is a sample of the email notification:
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.
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
800.844.1720, 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)
ONB EXPRESS DEPOSIT USER GUIDE
Appendices
Appendix A: Bank Holiday Schedules
Old National does not process ONB Express Deposit transactions on the following Federal Holidays:
Old National Bank
2017 Holiday Schedule
New Year's Day - Monday, January 2, 2017
Martin Luther King, Jr. Day - Monday, January 16, 2017
President's Day - Monday, February 20, 2017
Memorial Day - Monday, May 29, 2017
Independence Day - Tuesday, July 4, 2017
Labor Day - Monday, September 4, 2017
Columbus Day - Monday, October 9, 2017
Veteran's Day - Saturday, November 11, 2017
Thanksgiving Day - Thursday, November 23, 2017
Christmas Day - Monday, December 25, 2017
ONB EXPRESS DEPOSIT USER GUIDE
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 800-844-1720, Option 1 immediately to notify
us of the attack. We will review your user account for any suspicious activity.
3. Review your 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 email 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 Email
While it may seem more convenient to click a link in an email received or believed to be received from Old
National, this is a common way fraudsters can redirect you to a phony webpage that resembles the normal
login page. Always use links you access through OldNational.com or which you have previously
bookmarked.
9. When in Doubt, Call Us at 800-844-1720, Option 1.
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