Joint Users
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.
Self-enrollment
Joint users can also self-enroll, creating their own users associated with a given primary account. In order to self-enroll, the joint user must have the following information:
- The joint user’s social security number
- The member number of the primary accountholder
- The joint user’s phone number
- The joint user’s email address
If a name record on the membership is found with matching information with a type of joint, that user is automatically granted access to shares and loans on the membership they are joint on.
If no joint name record is found at the membership level, that information is then matched on the share/loan level.
If no joint name record can be found, the enrollment fails.
After enrollment and two factor authentication setup is complete, the joint user is automatically logged into Banno, and has access to the following information:
- Joint users at the membership level
- These users have access to all shares and loans on the membership. If the joint user has access to accounts on other memberships and a preference access record links the accounts, those accounts will also display.
- Joint users at the share/loan level
- These users will have access to any shares or loans that have a name record with a matching social security number in the membership. If the joint user has access to accounts on other memberships and a preference access record links the accounts, those accounts will also display.
By default, the joint user has access to the following features:
- Bill pay
- Card management
- Remote Deposit Capture
- Stop Payments
- eStatement Enrollment
Allowing and blocking membership types from joint self-enrollment
Financial institutions can configure membership account types they wish to block from self enrollment by navigating to → Settings → *Enrollment → Joint users self-enrollment. This field can be configured for account types from 00-99 or from 0000-9999, accepting ranges or individual account types. If a user of the given account type attempts to self-enroll, they are blocked from completing the enrollment.
The toggles on this page also gives your financial institution control over which types of joint users are allowed to self enroll, using the following toggles to determine how Banno looks for the joint user’s name record:
- Member account name
- Banno looks at the membership level for a joint name record.
- Share name
- Banno looks at individual shares for a joint name record.
- In-house loan name
- Banno looks at individual in-house loans for a joint name record.
- External loan name
- Banno looks at individual external loans for a joint name record.
Manually creating a household
While households are automatically created when the first accountholder on a membership self-enrolls, one can manually be created 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.
Manually creating a household user
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.