Financial Visibility
Access up to 13 months of granular transaction history, high-resolution check images, and electronic statements. Generate custom reports with export flexibility (PDF, BAI2, MT940, CAMT.052, CSV, QFX).
Explore reporting tools →
Introduction
Understanding the OldNational Treasury Ecosystem
A modular, enterprise-grade financial infrastructure engineered for modern corporate liquidity management and operational excellence.
Through the ONPointe digital ecosystem, OldNational provides a robust suite of treasury management tools. This infrastructure empowers corporate entities, mid-market enterprises, and financial administrators to optimize cash positioning, automate high-volume payment workflows, enforce rigorous fraud controls, and extract actionable financial intelligence.
Departing from standard retail banking portals, this platform utilizes a modular architecture. Organizations can activate specific utilities—such as NACHA file generation, dual-control authorization, or SFTP reporting—that align precisely with their operational scale and regulatory compliance mandates.
🛡️ Security Notice
This manual is strictly educational. All enrollment, pricing negotiations, and live transaction activities must be conducted directly through authorized Treasury Management representatives or the official, verified secure banking domain.
Capabilities
Core Platform Modules
Discover the specialized utilities available to streamline your financial operations and maintain strict audit trails.
Disbursement & Payment Routing
Execute high-volume ACH origination, domestic and USD-denominated wire transfers, internal account sweeps, and standardized tax payments via a unified, audit-ready dashboard.
View payment workflows →Advanced Fraud Mitigation
Deploy proactive defenses including Check Positive Pay, ACH Positive Pay, automated stop-payment routing, and granular ACH debit blocks to neutralize unauthorized withdrawal attempts.
Review security protocols →Reconciliation Automation
Automate balance reporting, NACHA detail file generation, and custom template delivery via secure SFTP or encrypted email, drastically reducing manual month-end closing times.
Learn about automation →
Access
Authentication & Secure Access Workflow
Follow the standardized authentication sequence to ensure compliance and protect corporate credentials.
1. Initiate Secure Connection
Navigate to the official banking portal. For high-assurance environments, launch the ONPointe Secure Browser, a hardened application that isolates banking sessions from general OS vulnerabilities and keyloggers.
2. Primary Credential Entry
Input your assigned Corporate ID and User ID. Ensure caps lock is disabled and that you are not utilizing a public or shared network. IP whitelisting may be enforced by your system administrator.
3. Multi-Factor Authentication (MFA)
Provide the secondary authentication factor. This is typically a time-based one-time password (TOTP) generated by a physical Hardware Token or a verified authenticator app, mandatory for wire and ACH approvals.
4. Dashboard & Role Verification
Upon successful authentication, the system validates your Role-Based Access Control (RBAC) permissions. You will only see modules (e.g., "Approve Wires", "View Reports") explicitly granted to your user profile.
⚠️ Phishing Awareness
Official bank representatives will never request your password, token code, or MFA prompt approval via unsolicited phone calls or emails. Always verify the URL begins with `https://` and matches the official institution domain.
Workflows
Wire Transfers & ACH Origination Workflows
Understanding the lifecycle of corporate disbursements and the critical role of dual-control authorization.
Processing outbound payments requires strict adherence to validation and approval hierarchies. The platform enforces a dual-control workflow for high-value transactions: one user (the Initiator) builds and submits the payment batch, while a separate user (the Approver) must log in independently to review and release the funds.
| Capability | OldNational (Full Suite) | ONPointe Essentials |
|---|---|---|
| Transaction History Depth | 13 months + check images | Standard 6-12 months |
| ACH Origination | ✓ Full NACHA creation & approval | ✗ Not included (optional add-on) |
| Wire Transfers | ✓ Domestic & International USD | ✗ Limited or branch-assisted only |
| Positive Pay | ✓ Advanced rule-based filtering | ✓ Reverse Check Positive Pay (optional) |
| Multi-User Administration | ✓ Granular RBAC permissions | ✓ Basic user permissions |
| ERP Integration | ✓ Direct QuickBooks/SFTP sync | ✗ Manual CSV export only |
Protection
Asset Protection & Fraud Mitigation
Layered defense strategies to protect corporate assets from internal and external threats.
Treasury management platforms are high-value targets for business email compromise (BEC) and credential harvesting. To maintain integrity, organizations must leverage the platform's native defenses:
- Check Positive Pay: Automatically cross-references the account number, check number, and dollar amount of each check presented for payment against a list of checks previously issued by your company.
- ACH Debit Blocks & Filters: Prevents unauthorized ACH debits from being posted to your account, allowing you to whitelist specific, trusted originators.
- Payee Validation: Verifies that the name on the recipient account matches the name provided in the wire instruction, reducing misdirected funds.
- Audit Logging: Maintains an immutable, time-stamped record of every login, view, initiation, and approval action for regulatory compliance.
Administration
Administrative Controls & Reconciliation
Configuring Role-Based Access Control (RBAC) and streamlining month-end reconciliation.
The Admin Setup module serves as the control center for your organization's digital banking posture. Company Administrators can define custom user roles, establish transaction dollar limits, and enforce mandatory dual-control thresholds.
For reconciliation, the platform supports automated delivery of balance and transaction reports in industry-standard formats (BAI2, MT940, CAMT.052). These can be pushed directly to your internal ERP system via secure SFTP, eliminating manual data entry and reducing operational risk.
Support
Frequently Asked Questions
How is dual-control authorization configured for ACH payments in OldNational?
Dual-control is established within the Administrative Controls module. A system administrator must designate distinct 'Initiator' and 'Approver' roles. When an initiator submits an ACH batch, it remains in a pending queue until a separate, authorized approver authenticates and releases the transaction.
Which file formats are compatible with automated treasury reporting?
The ecosystem supports standard industry formats such as BAI2, MT940, CAMT.052, CSV, QFX, and QBO. These reports can be scheduled for automated delivery via secure SFTP or encrypted email channels.
Is the ONPointe Secure Browser mandatory for every transaction?
Standard modern browsers suffice for basic account inquiries. However, high-risk actions like wire initiations or large ACH batch approvals typically require the hardened ONPointe Secure Browser or a physical hardware token to meet institutional compliance standards.
What distinguishes OldNational from ONPointe Essentials?
OldNational is the comprehensive corporate treasury solution featuring advanced payment origination, multi-tiered approval workflows, and robust fraud tools. ONPointe Essentials is a streamlined, entry-level online banking product designed for small businesses that require basic account visibility and simple bill pay, with the option to add limited advanced features.
Does this website process banking transactions or store login data?
Absolutely not. This is an independent, informational resource created strictly for educational purposes. We do not host login forms, collect credentials, or facilitate financial transactions. Always verify you are on the official, verified bank domain before entering any sensitive information.