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Business User Roles for Credit Unions

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.

A business user’s role can be updated in their profile settings. The following table helps familiarize business users with the available roles in user management:

Role Admin Viewer User
Move funds (create wire, upload ACH, etc.) Y Y Y 
View users Y Y  
Create users Y
Delete users Y   
Send invites Y   
Reset passwords Y   
Hold account Y   
View user profiles Y Y
Edit user profiles Y
View user permissions  Y  Y
Edit user permissions Y     
View user account permissions Y Y
Edit user account permissions  Y  

Permissions can be enabled so that a business user only views select money movement and user management functionality in the Banno app.

Depending on a business user’s role, a newly created member of the business might need access to User management. If so, an institution employee needs to enable the User management entitlement for the member of the business.

  • User management
  • Manage users
  • + Create user

A business admin creates a new business user by selecting + Create user in the Manage users window. Then, the business admin provides the following details in the Create user screen:

First name
The new business user’s first name.
Last name
The new business user’s last name.
Email
The new business user’s email. A Banno-generated email with a magic link sends to this email address so that the new business user can create their account credentials and log in to the Banno app.
User role
The user role determines what a business user can do within User management.
New business users are created with all permissions disabled. Permissions are updated on an individual basis by a business admin in User management or an admin user in Banno People.

After providing the new business user’s details, the business admin selects Create user and the Enable accounts window displays. At this point, the new business user is yet to be informed of a created profile, has no credentials, and can’t to log in to the app. In the Enable accounts window, the new business user’s avatar, name, role, Pending status, and option to Enabled accounts display. By default, no accounts are automatically enabled, and the business admin needs to manually enable at least one account for the new business user.

To enable one or more accounts, the business admin clicks Select and the Account access window displays the business’s accounts to select from. The business admin can search accounts by account name and quickly enable or disable permissions to all accounts. After enabling one or more account and selecting Done, the business admin automatically navigates back to the Enable accounts window where it’s updated to display the number of enabled accounts (ex. 4 accounts, 12 accounts, All accounts, etc.). Although the account access displays as enabled, know that the accounts still won’t display as enabled in the new business user’s profile.

With the business admin still on the Enable accounts screen, they click the Enable Accounts button. A success message appears, and the business admin selects from one of the three following buttons:

Send email invite
If the business user’s account or user permissions don’t need updating, the business admin should send an email inviting the new business user to enroll in the Banno Digital Platform. After clicking the button, the business admin automatically returns to the Manage users screen where the new business user displays in a Pending state.
Edit permissions
If the business user’s account or user permissions need to be updated before they’re invited to enroll in the Banno Digital Platform, the business admin should click Edit permissions. This automatically navigates the business admin to the new business user’s profile where permissions can be updated and then invited. The new business user displays in a Pending state.
Done
Clicking Done returns the business admin to the Manage users screen where the new business user displays in a Pending state. An email invite doesn’t send to the new business user.

Once the success message appears, the selected accounts display as enabled in the new business user’s profile.

If after the business admin selects Create user and the business’s accounts fail to load, the Enable accounts window doesn’t appear. Instead, the error message Accounts failed to load displays. The business admin can click View profile to enable accounts from the business user’s profile, or they can click Done and automatically navigate to to the Manage users screen where the new business user displays in a Pending state.
  • People
  • Users
  • Business profile
  • Users
  • Create business user

Credit unions can create a business user in Banno People. Before an institution admin can create a business user, they need the Create everything permission enabled in the People section.

An institution admin creates a new business user by selecting Create user in the business’s Users window. Then, the institution admin provides the following details in the Create user screen:

First name
The new business user’s first name.
Last name
The new business user’s last name.
Email
The new business user’s email. A Banno-generated email with a magic link sends to this email address so that the new business user can create their account credentials and log in to the Banno app.
User role
The user role determines what a business user can do within User management.
New business users are created with all permissions disabled. An institution admin will soon be able to update permissions at any time in the business user profile with User management - Banno is currently working on this functionality.

After the business user’s details are entered, the institution admin clicks Create user and completes a high risk authorization by entering their Banno app password. There is no limit to the number of times they can enter their credentials, but they must successfully complete the high risk authorization to create a new business user.

Following a successful high risk authorization, a success message displays and the institution admin selects from one of the three following buttons:

Send email invite
If the business user’s account or user permissions don’t need updating, the institution admin should send an email inviting the new business user to enroll in the Banno Digital Platform. If the email invitation successfully sends after clicking Send email invite, a success toast displays on the Users window after the success message automatically closes.
Go to profile
If the business user’s account or user permissions need to be updated before they’re invited to enroll in the Banno Digital Platform], the institution admin should click Go to profile. This automatically navigates the institution admin to the new business user’s profile where permissions can be updated and then invited. The new business user displays in a Pending state.
I’m done
Clicking I’m done returns the institution admin to the Users screen where the new business user displays in a Pending state. An email invite doesn’t send to the new business user.

While a business user is still created and can log in after completing enrollment, no accounts can be enabled for the business user. Functionality is coming soon to enable accounts for a business user in Banno People.

Permissions for new business users are disabled and need to be updated on an individual basis by a business admin in User management or an admin user in Banno People.

An institution admin needs to invite newly created business users and business users with a Pending status to create their credentials so that they can log in to the Banno app. The invitation is an automated email generated by Banno and includes a link that takes the business user to a screen where they create their Banno username and password.

The business admin can send the invite in one of two ways:

  • When they successfully create a new business user, select Send an email invite.
  • The business admin emails an invite from the business user’s profile by selecting Invite at the top of the profile.

In the new business user’s profile, a notification banner displays at the top of the screen: [Business user’s first and last name] account is pending. Invite them to complete set-up of their account. A business admin can only invite the new business user if one or more account is enabled. If no account is enabled, the error message Unable to invite user displays when clicking Invite. To enable one or more accounts for the new business user, an account’s Access permission needs to be selected. After enabling one one or more account, the business admin can refresh the page to ensure the screen updates. Then, they can successfully select Invite to send an email notifying the new business user to enroll in the Banno Digital Platform.

The name of the business admin who sent the invite and the option to click Join display in the email. After clicking the link, the business user automatically navigates to the app enrollment window and creates their username and password. After successfully creating their credentials, they view a Successfully created account message and click the Sign in button to navigate to the Banno Online login screen. If the business user unsuccessfully creates their username and password, they view an error message and should retry creating their credentials.

If an business admin sends multiple email invites to the same business user, only the most recent email with the link works for the business user to use. The business user has up to seven days to enroll in the Banno Digital Platform before the link expires, and the link can only be clicked on once. When the link is clicked, the token is redeemed and refreshing the page results in an error—a new invite needs to be sent and clicked. If the business clicks an older, expired, or redeemed link, the message Invitation link failed displays and they need to click on the latest or newest link.

New business users can be invited from Banno People. The institution admin can send the invite in one of two ways:

  • When they successfully create a new business user, select Send an email invite.
  • The institution admin emails an invite from the business user’s profile by selecting Invite at the top of the business user’s profile.

In the business user’s profile, a notification banner displays at the top of the screen: [Business user’s first and last name] account is pending. Invite them to complete set-up of their account. The institution admin clicks Invite to send an invitation to the business user.

The name of the institution admin who sent the invite and the option to click Join display in the email. After clicking the link, the business user automatically navigates to the app enrollment window and creates their username and password. After successfully creating their credentials, they view a Successfully created account message and click the Sign in button to navigate to the Banno Online login screen. If the business user unsuccessfully creates their username and password, they view an error message and should retry creating their credentials.

If an institution admin sends multiple email invites to the same business user, only the most recent email with the link works for the business user to use. The business user has up to seven days to enroll in the Banno Digital Platform before the link expires, and the link can only be clicked on once. When the link is clicked, the token is redeemed and refreshing the page results in an error—a new invite needs to be sent and clicked. If the business user clicks an older, expired, or redeemed link, the message Invitation link failed displays and they need to click on the latest or newest link.

  • User management
  • Click business user
  • Settings
  • Edit user

In a business user’s settings, a business admin can edit a business user’s role. A business admin will soon be able to update a business user’s name and email—Banno is currently working on this functionality.

A business user’s role is updated in the Edit profile screen.

The held state for a member of a business isn’t visible to the individual, and it disables the business user from logging into the app. For example, the held state could apply to a business user on a short-term leave. If a member of a business needs their app login access temporarily disabled, a business admin can change it in the app, or an institution employee can change it in Banno People.

  • Click business user
  • Settings
  • Hold account status
  • Hold

A business admin can hold a business user’s account, preventing the business user from logging in to the app. After it’s successfully on hold, a notification banner displays across the top of the business user’s profile. The hold status doesn’t change the business user’s status (Pending or Active) in their profile.

If a business user has a hold on their account, additional messaging displays in the overall Manage users page: Account access on hold.

To remove a hold on an account, a business admin selects the Remove button that displays in the notification banner at the top of the business user’s profile. Removing a hold is immediate, and the notification banner no longer displays. A success also toast displays when the hold is successfully removed from the business user.

If a business user’s account is both locked and held, the held notification displays above the locked notification. In either order, both of the locked and held states must be resolved before the business user can log in.
  • Users
  • Click business user
  • Settings
  • Hold account status

An admin user can enable or disable a hold on a business user’s account access. When a business user’s account is on hold, institution admins can remove the held state from a business user’s account. A banner notifies the admin user that the business user is in a held state, and it displays at the top of the Overview and Security pages in the business user’s profile in Users.

A business admin or institution admin resets a business user’s password when they unlock the profile or use the profile’s settings. This prompts the app to send an email with the password reset link and instructions to the business user.

A business admin unlocks a business user’s profile by sending a password reset link in User management.

  • User management
  • Click business user
  • Unlock
  • Send password reset link
  • Email

After the business admin unlocks a profile, they can also reset the password by selecting the Send password reset link button instead of the I’m done button in the success message that displays.

  • Click business user
  • Settings
  • Send password reset link
  • Email

If the business user forgets their password or needs it reset, a business admin assists by selecting Send password reset link in the business user’s settings. The business admin then clicks Email that prompts the app to send the password reset link to the business user’s email. The business user must click the link provided in the email and follow the instructions to create a new password.

An admin user can unlock a business user’s profile by sending a password reset link from Banno People.

  • Users
  • Business user profile
  • Security
  • Password reset
  • Send link

If the business user forgets their password or needs it reset, an admin user assists by clicking Send link in the Password reset section of the business user’s Security page. The business admin then clicks Email, which prompts the app to send the password reset link to the business user’s email. Once the password reset link sends successfully, a success toast displays. The business user must click the link provided in the email and follow the instructions to create a new password.

When a business user is deleted, they cannot be recovered. If the business user needs to be part of the business again, they must be invited and complete the enrollment process.

  • User management
  • Click business user
  • Settings
  • Delete user

A business admin deletes a business user by selecting Delete user in the business user profile.

  • Users
  • Business user profile
  • Settings
  • Delete user

An admin user deletes a business user by selecting Delete user in the business user’s profile settings.

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