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Entitlements and Permissions 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.

User management offers granular permissions so that business administrators can tailor an individual’s access to money movement. Business administrators control which entitlements their business users interact with as well as which accounts the users can or cannot access to move funds. Institution administrators can also view and manage the same permissions in Banno administrator.

Because user management allows permissions to be customized down to an account-by-account basis, there are four permission levels. The different permission levels and where they’re managed include the following:

  1. Institution Level
    Banno manages permissions so that your institution can offer the functionality to your customers.
  2. Business Level
    Banno administrator: Your institution manages permissions in the business’s profile in Banno People.
  3. Business User Level
    Banno administrator: In Banno People, institution employees manage permissions for entitlements that allow a business user to use its functionality. Currently, they can only view and not edit permissions for feature entitlements.
  4. Banno Online
    Banno administrator: A business administrator manages permissions in User management. They can enable and disable permissions to use an entitlement and feature entitlements.
    NetTeller BackOffice: Your bank manages permissions in NetTeller BackOffice.
    NetTeller: Business users manages permissions in NetTeller.
  5. Business User Account Level
    Banno administrator: Your institution views the permissions in Banno People but currently can’t manage them.
    Banno Online: A business administrator manages permissions in User management.
    NetTeller BackOffice: Your bank manages permissions in NetTeller BackOffice.
    NetTeller: Business users manage permissions in NetTeller.

For security purposes, permissions can override one another. A business user can only see an entitlement and use its functionality if that entitlement’s “parent” permission(s) are configured to allow it. For example, if a business user needs access to upload ARP/Positive Pay, an enterprise user first ensures that the ARP/Positive Pay entitlement is enabled in the business’s profile in Banno People. Then, the business administrator should complete the following in Banno Online:

  1. In User management, navigate to the business user’s profile.
  2. Select Set permissions to view the business user permissions.
  3. In the ARP/Positive Pay section, ensure the Enabled permission is toggled on.
    • A financial institution employee can also validate the permission in the business user’s profile in Banno People.
  4. In the same section, ensure the Upload ARP/Positive Pay permission’s enabled.
  5. Navigate back to the business user’s profile.
  6. Select the account that the business user needs to upload ARP/Positive Pay.
  7. In the Account access permission section, ensure the Enable permission is toggled on.
  8. In the ARP/Positive Pay permission section, ensure the Upload ARP/Positive Pay permission is enabled.

If any permissions in this flow aren’t enabled correctly, ARP/Positive Pay functionality in the account might not display or work properly.

If the business user has trouble with an entitlement or accessing functionality, the following steps ensure an entitlement is enabled and permissions are turned on at the correct levels:

  • Users
  • business profile
  • Permissions
  1. In Banno People, the institution employee checks that the entitlement is enabled for the business.
  • Users
  • business user profile
  • Permissions
  • Business user permissions
  1. In Banno People, the institution employee checks that the entitlement is enabled for the member of the business.
  • User management
  • business user
  • Set permissions
  1. In Banno Online, the business administrator adjusts the appropriate permissions in the business user’s permissions.
  • User management
  • business user
  • click account name
  1. If the business user needs access to view and use an account in Banno Online, the business administrator must enable the Account access permission in the business user’s account permissions. Then, the business administrator adjusts the permissions specific to an entitlement.
  • User management
  • click business user
  • Set permissions

Business user permissions for entitlements display in the business user’s profile. Within the profile, a business administrator can manage these permissions for how the business user views and interacts with entitlements. This includes the individual’s access to Wires, ACH, and more. These permissions apply to the overall functionality of an entitlement. Because some permissions interact with others, tooltips display alongside certain permissions in the app, helping guide the business administrator to correctly enable functionality. If applicable, these dependencies are noted in a permission’s definition.

Depending on your institution configuration and a business’s entitlements, business user permissions may vary but can include:

  • ACH
  • ARP/Positive Pay
  • Card management
  • Stop payments
  • Transfers
  • Wires
  • Users
  • business user profile
  • Permissions
  • Business user permissions

In Banno People, enterprise users can access the same business user permissions. When an enterprise user selects View all at the bottom of the Business user permissions section, permissions for entitlements and feature entitlements display. Enterprise users with the Edit everything permission can manage entitlement permissions as well as account access.

  • User management
  • click business user
  • Account
  • click account

The business administrator can edit a business user’s access to an individual account and their account permissions, including stopping payments, transferring funds to and from an account, and more. Depending on your institution and a business’s configurations, business user permissions for an account may vary but can include:

  • Account access
  • ARP/Positive Pay
  • Stop payments
  • Transfers
  • Wires
  • Users
  • business user profile
  • Accounts
  • select account

In Banno People, enterprise users can view and edit the same business user account permissions. A business administrator has the ability to do so with User management in Banno Online.

Permissions that display in the business user’s profile and their account settings are nearly identical. Depending if the business user has permission at the business or account level, the permission functions similarly. Use these quick links to jump to more information about each permission:

The Enable permission displays only in the business user’s account permissions. It allows or blocks a business user’s access to the account. If the permission’s disabled, the account doesn’t display to the business user.

Enabled
Displays only in the business user’s account permissions. It allows or blocks a business user’s access to the account. If the permission’s disabled, the account doesn’t display to the business user.
Hide Account Details
Allows the business to make an account available only for positive pay, remote deposit capture, and transfers features, without displaying the balance.
In order for a business user to view and interact with an account, Account access must be enabled.

ACH permissions are business user permissions only; they are not business user account permissions (not supported on an account-by-account basis).

Enabled
Allows the business user access to ACH functionality. It must be enabled if a business user needs access to ACH. This permission is a business user permission only; it’s not a business user account permission.
View ACH
Allows the business to view ACH transactions/batches.

To edit any ACH permission, View ACH must be enabled.
Daily ACH limit
The maximum amount a business user can initiate per day. This field can’t be set to zero if a permission that’s dependent on it is enabled.
Initiate ACH*
Allows the business user to send ACH transactions/batches to the institution for processing.

To enable Initiate ACH, first enter a Daily ACH limit value greater than zero.
Full ACH control
Allows the business user to take multiple actions within a batch without requiring action from a second user.
To enable Full ACH control, first enable Initiate ACH.
Initiate same day ACH
Allows the business user to initiate same day ACH batches.

To enable Initiate same day ACH, first enable Initiate ACH.
Edit/create ACH Control
Describes the extent to which a business user can create and modify ACH batches.
Full edit/create
Allows the business user to create and modify ACH batches.
Partial edit
Allows the business user to edit a receiver’s amount, transaction type (debit or credit), addenda information, held status, and prenote status.
None
The business user has no ability to edit or create ACH batches.
Recurring ACH
Allows the business user to edit recurring ACH batches during batch edit.
Import recipients
Allows the business user to upload a fixed-position, CSV, or tab-delimited file into a batch that can only contain transaction items.
Upload ACH file
Allows the business user to upload ACH transactions.
Batch delete
Allows the business user to remove a single ACH batch or multiple ACH batches.
Restricted batch access
Allows the business user to create and view restricted batches/categories that are marked restricted at the time of entry or during edit.
Enabled
This switch enables the ARP/Positive Pay entitlement so that the business user has access to its functionality. It must be enabled if a business user needs access to ARP/Positive Pay. This permission is a business user permission only; it’s not a business user account permission.
Upload ARP/Positive pay
Allows the business user to upload an ARP/positive pay file.
Download ARP
Allows the business user to download the output file created by your financial institution.
Work ARP/Positive pay
Allows the business user to work positive pay (check) exceptions.
Work ACH Exceptions
Allows the business user to decide to pay/return ACH exception items. This requires Account Activities Y and P.

Card management permissions are business user permissions only; they are not business user account permissions (not supported on an account-by-account basis).

Enabled
Gives the member of the business access to Card management and its functionality. It must be enabled if a business user needs access to managing a card(s) associated with an account(s).
Card management
Allows a business user to use Card management functionality. When the permission’s disabled, the business user is unable to manage a card(s) associated with an account(s).
Enabled
Gives the member of the business access to the Stop payments and its functionality.  It must be enabled if a business user needs access to Stop payments. This permission is a business user permission only; it’s not a business user account permission.
View stop payment
Allows the business user to view the stop payment history.
Add stop payment
Allows the business user to create stop payments.

To enable Add stop payment, first enable View stop payment.
Enabled
Gives the member of the business access to the Transfers and its functionality. It must be enabled if a business user needs access to Transfers. This permission is a business user permission only; it’s not a business user account permission.
Transfer limit
The maximum amount a business user can send to another account per transfer. This permission is a business user permission only; it’s not a business user account permission. This field can be set to zero.
Allow transfers
Allows the business user to initiate transferring funds between internal accounts. This permission is a business user permission only; it’s not a business user account permission.

To enable Allow transfers, first enter a Transfer limit value greater than zero.
Transfer to
Allows the business user to move funds to the account. This permission applies to internal transfers only. If the permission’s disabled, the account doesn’t display as an option when the business user creates a transfer. This permission is an a business user account permission only; it’s not a business user permission.
Transfer from
Allows the business user to move funds out of the account. This permission applies to internal transfers only. When the permission’s disabled, the account doesn’t display as an option when the business user creates a transfer. This permission is an a business user account permission only; it’s not a business user permission.
Enabled
Gives the member of the business access to the Wires and its functionality. It must be enabled if a business user needs access to Wires. This permission is a business user permission only; it’s not a business user account permission.
Work with wires
Allows the business user to transfer wires.

To edit any Wires permission, first enable Work with wires.
Create wire templates
Allows the business user to create repetitive—template—wires.
Edit wire templates
Allows the business user to modify repetitive—template—wires.
Create one-time wires
Allows the business user to create non-repetitive, one-time wires.
Edit one-time wires
Allows the business user to edit/modify non-repetitive, one-time wires.
Edit recurring wires
Allows the business user to edit recurring wires.
Per wire limit
The maximum amount in whole dollars—cannot be set with cents—a business user can initiate per wire. For example, 25000.00, 14999.00, 10500.00, etc. This field can be set to zero.
Daily wire limit
The maximum amount in whole dollars—cannot be set with cents—a business user can initiate per day. For example, 25000.00, 14999.00, 10500.00, etc. This field can be set to zero.
Dual wire control limit
Wires over this amount require a second business user for approval. This limit also serves as the maximum wire amount the user is authorized to approve for others. The limit must be set in whole dollars — it cannot be set with cents. (For example, 25000.00, 14999.00, 10500.00, etc.) This field can be set to zero.
Transmit wires
Allows the business user to send wires. This includes sending any type of wire, including non-repetitive, repetitive, future-dated, and recurring wires.

To enable Transmit wires, first enter a Per wire limit and Daily wire limit value greater than zero.
Transmit recurring wires
Allows the business user to send repetitive, recurring wires (ex. weekly, monthly, etc.).

To enable Transmit recurring wires, first enable Transmit wires.
Dual wire control
Requires a second business user to approve wires that are over the dual wire control limit.

To enable Dual wire control, first enable the Transmit wires permission and enter a Dual wire control limit value greater than zero.
Transmit future-dated wires
Allows the business user to send wires (non-repetitive or repetitive) as future-dated. The effective date must be greater than the current day’s date.

To enable Transmit future-dated wires, first enable Transmit wires.

For institutions that have multiple brands, feature entitlements will sync across both brands. If Works with wires is enabled for a user on Brand A, then Works with wires will also be enabled for that user on Brand B. However, entitlement permissions do not sync across brands. If Wires is disabled for a user on Brand A, then Wires will need to also be manually disabled for that user on Brand B.

Select permissions can be enabled so that a business user views the functionality in the Banno app and cannot use it for actions such as moving funds or updating permissions. This includes allowing a business user to view-only ACH, Stop payments, Transfers, and User management. The ability to view-only is unavailable for Card management, Positive pay, and Wires. If a business user needs to view one or both functionalities in the Banno app, they will also have the ability to use it.

At the business user level, adjust the following permissions in Banno People or Banno Online so the business user can only view the functionality:

ACH

  1. Enable the Enabled permission.
  2. Enable the View ACH permission.
  3. Disable all other ACH permissions.

Stop Payments

  1. Enable the Enabled permission.
  2. Disable all other stop payments permissions.

Transfers

  1. Enable the Enabled permission.
  2. Set the transfer limit to zero.
  3. Disable all other transfers permissions.

User Management

  1. Ensure the business user has the role of Viewer.
  2. Enable the Enabled permission.

Changes made in user management (updating a permission, modifying a business user profile, etc.) by an administrator user or business administrator create history events in Banno administrator. History events display in the business user’s Activity and can be sorted using the Permissions filter under User. Banno Activity also records history events and can be sorted using the Permissions filter under People Users.

If changes occur on core or in NetTeller BackOffice, history events won’t display in Banno administrator.

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