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User Management for Credit Unions

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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. With Banno Business’s User management, business admins 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.

  • User profile menu
  • Business management
  • User management

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

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

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.

In Banno People, the financial institution manages the User management entitlement for the business. Ensure the entitlement is enabled for the business, as well as for business users who need access to Banno People.

  • Users
  • Business profile
  • Permissions

The financial institution enables and disables User management in the business’s profile. For business users that need access to the entitlement, enable it for the individual.

If the User management entitlement is disabled, User management is prevented from displaying in the app and its functionality is not accessible. 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.
  • Settings
  • User management
  • User profile
  • Set permissions
  • User management

A business admin can enable and disable User management in the member of a business’s profile. This permission should always remain disabled for business users in a User role. If User management is enabled by mistake for a business users with a User role, 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 and its functionality won’t display in the app until the entitlement is enabled.
  • Users
  • Business user profile
  • Permissions
  • Business user permissions

Institutions can enable and disables User management in the member of a business’s profile. This permission should always remain disabled for business users in a User role. If User management is enabled by mistake for a business users with a User role, 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 and its functionality won’t display in the app until the entitlement is enabled.
  • People
  • Users
  • Create business

Credit unions can create a business in Banno People. Before an institution admin can create a business, they need the Create everything permission enabled. This permission can be located under the Organization & organization members heading in the People section. The institution admin also needs the Symitar account number associated with the business.

After the institution admin clicks Create business, the Create business window prompts the institution to enter the 10 digit Symitar account number. If the Symitar account number is less than 10 digits, add zeros preceding the account number so that it is 10 digits (ex. 0000987654). Then, the institution admin confirms the account number and reviews the business’s details in the Create business screen that can include:

  • Business name
  • Symitar account number
  • Preference record username (created and assigned by Banno)
  • Email
  • Mobile number
  • Address
When there is an incorrect Symitar account number or an error locating the business, a message displays alerting the institution admin to confirm the number and try again.

If the business information is correct, the institution admin clicks Create. After the business is created, the institution admin cannot reverse or undo creating the business.

If the business details are incorrect, the institution admin clicks in the Create business screen to edit the details. If the business has already been created, the institution admin is alerted and can click Go to profile to view the profile screen or to re-enter the Symitar account number.

When the business is successfully created, the institution admin automatically navigates to the business’s Overview profile screen that displays the business’s information. Institution admins can refer to Users and learn more about the Users and Permissions screens.

Note that businesses are created with all permissions disabled. Institution admins can manage a business’s permissions by going to the business’s profile.

A list of all business users - including their name, role, and status - display 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 name that a member of a business uses to login to the app.
Role
Roles only apply to what a business user can do within User management. The member of a business has an assigned role of Admin, Viewer, or User. A business user’s role can be changed by a business admin.
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 a business admin, but they can’t edit entitlements or set permissions. This role is ideal for auditors a financial institution works with. 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 Pending or Active. The status changes from Pending to Active when they have been sent an invitation and completed enrollment.
Pending
The business user has yet to successfully complete the enrollment 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 or may not have accounts enabled. To change from a Pending status to Active, they must create their login credentials and log in to the app.
Active
The business user successfully joined the business by completing enrollment.
Email
The business user’s email is a maximum of 80 characters and editable by a business admin.
Business details
The business name, address, phone number, and email. This information matches the details listed in the business profile.

  • 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.
  • Users
  • Business user profile
  • settings

In the business user’s settings, an admin user can view support cases related to the business user.

  • User profile menu
  • Business management
  • Profile

The business profile with company details, such as the name, address, and email, display in the Business management Profile. This information will match details provided in the primary name record for the business membership.

When creating the first administrator, a financial institution has the option to require admins to verify their identify before enrolling. To enable this functionality, reach out to either the implementation coordinator or support.

This makes the enrollment process just a bit different for the first admin who tries to enroll. Before completing enrollment, the admin must verify using a phone number stored in the core for that user. These include:

  • Home phone
  • Work phone (only available without extension)
  • Mobile phone

A temporary phone number can also be added via People. However, financial institutions should take care to validate admin users’ identity before entering a temporary phone number. A temporary phone number will only be used if the admin user calls the institution for assistance, either because no phone number is showing or they don’t have access to available phone numbers.

Upon selecting a number, the admin user must enter a code sent to the number selected. After this is complete, the enrollment will continue as normal.

As the numbers presented are based on the primary name record, there is a chance that there may be no valid phone numbers listed. This can be resolved in one of two ways:

Update the primary name record
Update the primary name record in the core. These changes will be reflected the first time a magic link is clicked. As such, the admin user will need to be sent a new invitation.
Enter a temporary phone number
A temporary phone number may be added for a user via People. This phone number is discarded after it is used for a single enrollment. This option can be found in
  • Users
  • Business user profile
  • Invitation banner
  • Set temporary phone number
.

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

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