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Households

Much like in Banno Business, credit union retail accountholders can form an organization to share accounts across multiple different digital accountholders. This creates the concept of households, a group for an account that can involve several accountholders.

This gives the new joint accountholder their own digital identity, separate from the primary, while also giving accountholders who are joint on only shares or loans their own digital identity.

Joint users on a household can self-enroll. For more information, visit our Enrollment page.

Households are automatically created when the first accountholder on a membership self-enrolls, but a household can be created manually by an admin user under the Users page in Banno People. The Create organization button opens a prompt to enter the 10-digit symitar account number of the primary accountholder for the organization, as well as an option to mark this as a Retail or Business organization. Please note:

  • Each household must be tied to a member number.
  • Only one household can be tied to a member number at a time.

The household created pulls the following information from the primary name record:

Household name
Last name field
Household phone number
HOMEPHONE field
Household email address
EMAIL field
Household address
STREET, CITY, STATE, and ZIPCODE fields

The household is now available to add users to.

The household’s profile page contains a Users section. From there, an admin user can use the Create user + button to create a user. The following information must be provided:

  • First name
  • Last name
  • Email address

This creates a user with the User role. At this point, the admin user must select which shares and loans the organization user has access to, with the following conditions:

  • All shares and loans (internal and external) will be displayed.
  • Shares and loans from other memberships will be displayed if the primary owner has a preference access record linking to another membership.
  • IRAs will be displayed.
  • CDs will not be displayed.

After the desired shares and loans have been selected, everything is ready to send an invite to the new user. However, by default, manually created household users have no permissions set to active. The admin user must manually set the functionality required by the digital-only user. Available features include:

  • Transfers
  • Conversations
  • Accounts and transactions
  • Bill pay
  • Stop payments
  • Card management
  • Remote Deposit Capture
  • Statements

After the required features are selected, you may send an invitation to online banking to the household user. This end user will access Banno Apps like any other user with the permissions activated for that user.

Note: Manually created users are not linked to Symitar, even if that user has a name record on that membership. Changes to account access will not persist in Banno, and as such, manual user creation should be used with extreme caution.

When a credit union deletes the name record of a joint user, that individual can also be automatically deleted from Banno. This functionality can be turned on or off by Jack Henry at the institution’s request.

When auto-delete is enabled, the former joint user will be unable to log in or view the household account, and they will no longer display in search results or on the household’s Users tab. A history event will record that the user was automatically deleted, and a generic event will note their removal from one or more accounts.

The system will not automatically delete a joint user if they are still joint on other shares or loans.

A user will only be automatically deleted from Banno if the credit union deletes all name records associated with their profile.

  • Single share/loan: If a joint user is tied to a share or loan, deleting their membership name record alone will not remove them from Banno. Both the membership name record and the share/loan name record must be deleted.
  • Multiple shares/loans: If a joint user is tied to multiple shares or loans, they will remain in Banno as long as they have at least one active record. All membership and share/loan name records must be deleted to trigger the automatic removal from Banno.

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Household FAQs

Find answers to common questions about households.

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Household FAQs

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