How to Reconcile Old National Bank Statements

Drag & drop statement PDFs hereor tap to choose files — multiple PDFs for batch mode

Privacy: uploaded files and generated exports are stored only briefly to complete your download and are automatically deleted within 15 minutes. Files are never used for any other purpose.

What you are checking against

Old National Bank typically prints the period's opening balance first, works through the activity in date order, and closes with the ending balance the transactions must reproduce. Old National Bank (Evansville, Indiana) files its statements in the documents area of online banking, organized by account and closing date.

Bookkeepers sometimes describe the statement as the referee, and the metaphor earns its keep: the bank's record is the one both the books and the conversion must satisfy. A converted file is therefore reconciled twice in a healthy workflow — once against the statement at conversion, and once inside the accounting software when the month is closed. Skipping the first reconciliation does not save the work; it moves the hunt for errors into the tool least able to localize them. The full method is documented on the methodology page.

The Old National Bank month-end reconciliation workflow

Check the chain link before the month. This month's opening balance must equal last month's closing balance as proven, not as remembered. A mismatch here means the problem is older than this month.
Convert, then trust the verdict's direction. Reconciled means import with confidence. Flagged means the marked rows are the workload. Unverified means the statement printed no balances, so add a manual total before importing.
Resolve every flag against the document. The statement PDF is the only authority. Correct the file to match it, never the other way round, and never adjust the books to an unproven file.
Close in the software to the same closing figure. Reconcile the account to the statement's closing balance and date, with outstanding deposits and cheques listed by name.
Carry the exceptions forward in writing. Anything outstanding at this closing date becomes next month's opening checklist. Written down, it is a five-second check; remembered, it is next quarter's mystery.

These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.

Reading one Old National Bank statement closely

A Old National Bank statement repays thirty seconds of orientation before any numbers move. Locate the balance pair the month is anchored to — opening and closing on deposit accounts, Previous and New on cards — and scan the transaction list for the period's biggest items, since a reconciliation difference is most often one of them. Note any section subtotals the layout prints; each one is a free checkpoint the converter's running-balance walk also uses. Pull the PDF from Statements and Documents in Old National Bank online banking and the mobile app so you are always working from the issued document, not a re-export.

When a Old National Bank statement does not tie out

The statement's opening balance belongs to a different period — usually a gap month in the set. Check that consecutive statements chain: each closing balance should equal the next opening balance.
A pending card transaction appears on one statement and posts on the next, so both statements are right and the import order is what needs care.
A transfer between two of the customer's own accounts was imported on one side only. Each account reconciles against its own statement; the pair of differences, equal and opposite, is the fingerprint.
A mobile deposit was recorded in the books on the day it was made and posted by the bank two days later, landing in the next statement period — an honest timing difference that clears next month.

Teaching the routine to a successor

Reconciliation knowledge tends to live in one person's head, which makes it fragile. The defence is a written routine — this page is a template — plus the filed evidence trio for each month: statement, converted file, result. A successor who inherits both can reproduce any month without interviewing anyone, and the standard survives staff changes, vacations and growth.

Questions and answers

My Old National Bank statement does not tie out after conversion. What now?

Work the flagged rows first — the check marks exactly where the arithmetic breaks. The causes section on this page lists the usual suspects in order of likelihood.

What should I keep as evidence a month was reconciled?

The statement PDF, the converted file, and the reconciliation result for that month, filed together. That trio lets anyone re-perform the month later without asking you anything.

Can I reconcile a quarter at once instead of monthly?

You can import in batches, but prove the months individually and in order. Three months reconciled as one blob hides which month owns a difference; the chain check needs each month's closing balance separately.

Who should reconcile — the person who enters transactions?

In larger setups, separation is a genuine control: the person reconciling is not the person who entered. In a one-person practice the monthly habit plus the filed evidence trio is the practical substitute.

What if two statements overlap or leave a gap at a product change?

When an account changes product, banks sometimes issue a short final statement for the old product and a first statement for the new one. Convert and prove both; the old one's closing balance should equal the new one's opening balance, and that handover is the seam to verify before anything else.