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User Management for Banks

In an effort to make this section of the Knowledge Base easier to navigate, some User Management page content has been re-organized into new sub-pages:

Updating any bookmarks you may have stored for this page content is recommended.

Finances are often managed by different people at a business, all with various levels of responsibility. When a business leader needs to give account access to their employees, there are a wealth of entitlements and settings available to manage their permissions. User management, business administrators can add new business users, edit details, and assign roles in Banno Online. They can also manage the overall permissions of business users, allow access to specific accounts, and control a business user’s permissions on an account-by-account basis.

All that permission setting and editing happens by following this route:

  • User profile menu
  • Settings
  • User management

In User management, business admins also manage several entitlements and feature entitlements for members directly in the app:

  • ACH
  • ARP/Positive Pay
  • Card management
  • Stop payments
  • Transfers
  • Wires

Note that with Banno Business, the company name displays alongside the business user’s name at the top of the Banno Apps dashboard and the user menu profile.

Set People User Permissions
If an institution admin user does not have access to managing the business and business users, ensure they have the correct People user permissions set in Banno Admin.

In Banno People, institutions manage the User management entitlement for both the business and business users. Ensure the entitlement is enabled for the business as well as for business users who need access to Banno People.

As shown in the steps below, institutions enable and disable User management in the business’s profile within Banno People. For business users who need access to the entitlement, enable it for the individual.

  • Users
  • business profile
  • Permissions
Disabled User Management Entitlements
If the User management entitlement is disabled, User management features and functionality are prevented from displaying in the app and is unaccessible. Business admins and viewers can’t view or manage business user profiles and permissions, but business users can still perform their day-to-day duties using features such as ACH, Wires, Transfers, etc.

As shown in the steps below, business administrators enable and disable User management in the business user’s profile in Banno Online.

  • Settings
  • User management
  • User profile
  • Set permissions
  • User management

This permission should always remain disabled for business users with a User role. If User management is enabled by mistake for a business user with a User role, our security measures will still prevent them from accessing user management functionality. They can see and click User management in their Settings, but the screen remains blank.

Business users with an Admin or Viewer role need User management enabled. User management features and functionality won’t display in the app until the entitlement is enabled.

As shown in the steps below, institutions can enable and disable User management in the business user’s profile.

  • Users
  • business user profile
  • Permissions
  • Business user permissions

This permission should always remain disabled for business users with a User role. If User management is enabled by mistake for a business user with a User role, our security measures will still prevent them from accessing user management functionality. They can see and click User management in their Settings, but the screen remains blank.

Business users with an Admin or Viewer role need User management enabled. User management features and functionality won’t display in the app until the entitlement is enabled.

Creating a new business in Banno People is not currently available.

In Banno Online, a list of all business users - including their name, role, and status - displays on the User management dashboard. When a specific business user is selected, their profile information displays on a new screen and includes the following details:

Avatar
A profile image uploaded by the business user.
Name
The business user’s name is a maximum of 40 characters and editable by a business admin.
Username
The username is the handle that a member of a business uses to log in to the app.
Role
Roles only apply to what a business user can do within User management. The business user has an assigned role of Admin, Viewer, or User. A business user’s role can be changed by a business administrator.
Admin
The Admin role gives a business user access to view or modify entitlements, set permissions for all business users, and manage business users (create, delete, etc.). They can also edit a business user’s profile details. Business admins cannot change their own roles; however, they can update a fellow admin’s role. User management must be enabled for each business admin.
Viewer  
The Viewer role gives a business user access to view information in User management. They have the same access as an a business admin, but they can’t edit entitlements or set permissions. This role is ideal for auditors working with an institution. User management must be enabled for each business viewer.
User
The User role is for business members whose jobs involve performing day-to-day banking activities that don’t require user management rights. They can move money based on their entitlements and permissions, but they don’t have access to use or view the User management screen.
Status
A business user’s status can be Active, Pending, Disabled, or Locked. Excluding the Pending status, authorized institution personnel can manage a business user’s status in NetTeller BackOffice.
Active
The business user successfully joins the business by completing the app login process.
Pending
The business user has yet to successfully complete the app login process and join the business. A business admin submitted the business user’s details - first and last name, email, and role - when they created the new business user. The business user may have accounts enabled. They may have already been invited to complete the app login process, but they must create their login credentials and log in to the app in order to change from a Pending status to an Active one. Logging in to the app is required to change their status.
Disabled
The business user can’t log in to the app and their account can’t be re-enabled.
Locked
The business user incorrectly entered their login credentials three or more times and the account needs to be unlocked before the business user can successfully login.
Email
The business user’s email is a maximum of 80 characters and editable by a business admin.
Business details
The business’s business name, address, phone number, and email. This information matches the details listed in the business’s profile.

As shown in the steps below, business administrators can navigate to a business user’s profile settings in Banno Admin.

  • User management
  • click business user
  • Settings
  • Edit user

In the business user’s settings, a business admin can update or manage the following:

  • Edit the business user’s details, including name, user role, and email.
  • Hold the business user’s account access.
  • Send a link for the business user to reset their password.
  • Delete the business user.

Within Banno Business, a business user can edit some of their own profile details. These options are available:

Username
Edits the username used to log into the account.
Email
Changes the email associated with the business user’s account. This affects the email used for notifications and two-factor authentication methods.
Phone number
Updates the phone number associated with the business user’s account. This number can be selected for two-factor authentication.

A history event generates for changes to any of the above profile details.

In Banno People, administrators can view support cases related to a business user in their settings by following these steps:

  • Users
  • click business user
  • settings

Administrator users with the administrator role and the Manage everything permission can edit business details for a given business via Banno Online by navigating the following path:

  • My profile
  • Business Management
  • Profile

There, the following options are available:

Email
Edit the business’s email address. This must be a valid email address to proceed. Changes to this field are subject to the Update CIF Email setting value in NetTeller Back Office.
Phone number
Edit the business’s phone number. This must be a valid, domestic number. While editing the business phone number in NetTeller updates the number associated with the NetTeller ID, updating the number in the Banno app updates the phone number on the CIF. This can lead to different values if the value is only updated in one location.

Editing any of the information above generates a history event.

Authorized financial institution administrators can control which organizations have the option to transmit international wires by following these steps:

  • Banno People
  • Organization
  • Permissions
  • Organization PermissionsOnce Organization Permissions has been reached, add a new International wires permission.
Important: Access to the International wires permission also requires enabling the institution-level International Wires entitlement. If a financial institution has already turned this on, there’s no further action required. If the institution-level entitlement needs to be enabled, simply submit a support ticket.
  • Banno People
  • Settings
  • External applications

For an institution to manage the visibility of an external application for a business and its business users, the external application must have the User type field set to Business only or Both retail and business.

Once the external application is ready to display to business administrators in Banno Online, enable the external application at the institution level in Banno People. This allows the external application to display in the Permissions section of all business profiles across the institution.

When the external application is enabled at the institution level, it is automatically enabled by default at the business level permissions. The external application is also visible, but disabled, to all business administrators within User management across the institution. No business user will see the external application until either a business administrator or a bank employee has manually enabled it for that user.

If an institution hasn’t enabled any external applications for businesses, the message Your [institution] hasn’t enabled any external applications for businesses. displays until there are enabled external applications.

According to an external application’s configuration, the Link title field displays as the external application title (1) and the Description (optional) field describes the external application (2) to business administrators in Banno Online and administrator users in Banno People.

To help easily identify external applications with the same name, some institutions may have been using the Description field to call out the Link type of the application. As this field is now used to give business administrator’s context about the external application, institutions may wish to remove this text.

In anticipation of this, we added some additional columns to the External applications list in People to ensure that our institutions can still easily identify external applications with the same name. Now the list of external applications will show the Name, Link title, Link type, and User type. Previously the list only displayed the Name with the Description shown as subtext.

Note: For information about plugin settings for external applications, visit the Plugin Card Configuration page.
  • Users
  • Click business
  • Permissions
  • External applications

Once the external application is enabled at the institution level, the external application is automatically enabled by default at the business level. The external application is also visible, but disabled, to all business administrators. Having the external application enabled at the business level gives business administrators across the institution the ability to then manage visibility of the external application to business users. No business user will see the external application until either a business administrator or a bank employee has manually enabled it for that user.

Unlike other permissions, there is not an option for the institution to manage External applications permissions at the business user level without also giving business administrators the ability to manage the same permissions.

If an external application is disabled at the business level, the external application:

  • Displays as disabled in the business profile in People.
  • Does not display to business administrators in User management
  • Displays as uneditable at the business user level in People. The external application cannot be updated unless it is first enabled at the business level.

Enabling an external application at the business user level gives them the ability to view the external application in Banno Online.

External application permissions only manage the business user’s ability to see the external application in Banno Online—it does not control access to or login to the external application. If a business user has the link to the external application, such as a bookmark, they can still access the external application while authenticated in Banno Online.

Even if an external application is disabled, the business user may still be able to access the external application directly and perform actions allowed by their application. Permissions for accessing an external application are managed in the external application—not in Banno Online or Banno People.

  • User management
  • Click business user
  • Additional services

In User management, a business administrator manages external applications on behalf of business users. They need to manually enable each external application at the individual business user level for any business user to view the external application in Banno Online.

  • Users
  • Click business user
  • Permissions
  • External applications

In Banno People, administrator users can manage external applications for a business user.

Depending on the level where an external application is or is not enabled, the external application permission may or may not be editable in the business users’s profile. If an editable permission displays, the external application is enabled at the business level (1 & 2). If an uneditable permission displays, the external application is disabled at the business level (3).

If an external application does not display in a business user’s permissions, ensure the external application is enabled at the business levels.

If an external application is disabled in the business profile, ensure the external application is configured with the User type set to either Both retail and business or Business only.

Sometimes, institutions want to test a new external application with a few business users before enabling it for all businesses. To achieve this, you’ll want to ensure to use the following configuration.

  1. Set the User type set to either Both retail and business or Business only.
  2. Disable the external application at the institution level so that it is not enabled by default for all businesses.
  3. Enable the external application for the business.
  4. Enable the external application for the business user.

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