If you have more than one individual that helps manage the finances of your business, our Internet Banking and Mobile Banking systems allow you to have more than one user associated with your login. You can also grant authorized users permission to perform specific types of transactions. Visit the
Business Admin feature to grant online access to others in your organization and manage the types of accounts and features they have access to.
Business Users
Business users fall into one of two categories -- master user or authorized users.
Master User - The master user is the primary user of your business and the one who registers for online access.
- The master user can add other authorized users. Please note: Authorized users cannot be added, edited, or deleted using a mobile device.
- A business can have only one master user, so if your business has co-owners, one owner will have to be an authorized user.
- A master user must be assigned the role of Manage Users and Roles permissions to create, edit, or remove other authorized users.
- If a master user’s status is Locked, authorized users may still access Internet Banking/Mobile Banking. However, if a master user’s status is Disabled, authorized users are not able to access Internet Banking/Mobile Banking.
Authorized Users - Staff in your business who you'd like to give Internet Banking/Mobile Banking access to are considered authorized users.
- Authorized users are not able to register for Internet Banking or Mobile Banking access on their own.
- A master user creates the usernames for any authorized users and notifies their staff of those usernames. Usernames must be unique to one individual.
- Our systems allow you to assign different roles and varying levels of permission so that you can establish limits to the types of transactions your authorized users are able to do. Roles can be changed at any time.
- Authorized users do not have access to mortgage accounts.
- Like a master user, authorized users with the proper permissions can add, edit, and delete other authorized users.
- A master user can reset a authorized user's password if the authorized user's account has not been disabled by HVCU.
Roles
A role is a group of Internet Banking/Mobile Banking feature permissions, account access permissions, and transaction limitations that are assigned to authorized users. Typically, role permissions turn on/off specific functionality for an authorized user. A master user and authorized users with the
Manage Users & Roles permission can manage roles, authorized users, payees, and authorize transactions via the
Business Admin feature.
- Roles determine the set of features an authorized user is allowed to use. For example, you can assign an authorized user the ability to make wire transfers or perform ACH transactions. Other features you can set user permissions for include, but are not limited to the following:
- Mange Users & Roles
- Manage Payees
- Allowed to Authorize ACH Transfers, & Wires
- Add External Transfer Account
- Collect Funds from Consumers
- Business Payments
- Allowed to Pay Bills
- Create Domestic Wires
- Roles determine the accounts authorized users can transact upon while using Internet Banking/Mobile Banking. If you only want authorized users to access a checking account and not other accounts, you can set that up in our system. See below for additional information about account permissions.
- Roles dictate any transaction limits you'd like to set up with regards to specific transaction types. Perhaps you have a new employee that you'd prefer to have a low transfer limit until they become more familiar with your business. See below for additional information about transaction limits.
- Roles also establish whether or not authorized users can approve transactions that may require a second authorization. To use wire transfers as an example again, you can require a second authorization on wire transfer requests before they are sent to HVCU for processing. See the additional information below about authorizing transactions.
- You do not need to create and assign any roles if your business has no authorized users.
- A master user must first create a role before adding any authorized users to that role.
- You can assign a role to more than one authorized user in your business.
Account Permissions
Account permissions designate which accounts your authorized users are able to transact upon. Typically account permissions turn on/off specific functionality for a particular account. Below is an overview of the account permissions available:
- ACH: Provide ability to submit ACH Batches from an account, and view scheduled and historical ACH submissions from an account.
- Bill Pay From: Ability to use Bill Pay for a given account.
- Stop Payment: The ability to submit a stop payment for checks on an account.
- Transfer Funds Into: The ability to transfer funds into an account and view associated transfer history using the Transfers feature.
- Transfer Funds Out From: The ability to transfer funds out from an account and view associated transfer history using the Transfers feature.
- View Account: View an account, and view an account’s balance and the associated transactions in the My Accounts area.
- View Draft Images: View images of checks and drafts drawn on an account.
- View Statements: View images of statements for an account. Please note: This could display other statements, if an account’s statements are combined with other accounts.
- Wire Funds Out From: Provide the ability to submit wire requests and view scheduled and historical wire submissions from an account.
Transaction Limits
Master users and authorized users can set transaction limits based on the type of transaction and timeframe of the transaction. Authorized users can have different transaction limits for each other. Additionally, business users have limits that roll up into the overall limits for a business as a whole.
| Transaction Types |
Limit Categories |
Limit Timeframes |
ACH Collections
Internal Transfers
Wire Transfers
ACH Payments
External Transfers |
Authorized Limit
Maximum Limit
Can Authorize |
Daily Limit
Weekly Limit
Monthly Limit
|
Please note: Pending transaction amounts count against a business user's limits in addition to the overall limits of your business. When a request is rejected or cancelled, that amount is then available for the business user and the business overall.
Transaction Authorizations
You may require another authorized user in your business to authorize/approve a payment, such as an ACH, wire transfer, or transfer request, before it is sent for processing.
- You can set up authorizations on the Authorizations tab within the Business Admin feature.
- Any business user that is tasked with authorizing transactions will need the following roles, as applicable: Allowed to Authorize Wires, Allowed to Authorize ACH, or Allowed to Authorize Transfers. If a business user is assigned to a role that does not include these permissions, they will not see the Authorizations tab within the Business Admin feature.
The chart below provides guidance to ensure your business users are configured properly to authorize the transactions you need them to manage:
| Transaction Types |
Requirements |
| ACH |
The business user’s role must:
● Have the Allowed to Authorize ACH role permission
● Be permitted to the ACH transaction type used in the template (for example, the business user must be permitted to the Payroll transaction type before they can view or authorize the transaction)
● Be permitted to the ACH offset account used in the template
● Have adequate daily, weekly, and monthly ACH Collections Can Authorize (debit) or ACH Payments Can Authorize (credit) limits to cover the value of the ACH template |
| Wire |
The business user’s role must:
● Have the Allowed to Authorize Wire role permission
● Be permitted to the wire funding account
● Have adequate daily, weekly and monthly Wire Transfer Can
Authorize limits to cover the value of the wire transfer |
| Transfers (Internal) |
The business user’s role must have:
● The Allowed to Authorize Transfers role permission
● Account permissions to the Transfer Funds Into and Transfer
Funds Out From accounts used in the transaction
● Adequate daily, weekly, and monthly Internal Transfer Can
Authorize limits to cover the value of the internal transfer |
| Transfers (External) |
The business user’s role must have:
● The Allowed to Authorize Transfers role permission
● Account permissions to the Transfer Funds Into and Transfer
Funds Out From accounts used in the transaction
● Adequate daily, weekly, and monthly External Transfer Can
Authorize limits to cover the value of the external transfer |
Here are some additional things to keep in mind when authorizing transactions:
- Transactions can have one of the following statues: Need Authorization, Authorized, Rejected, Expired, or Cancelled.
- Transactions with a Deliver by Date of today, that have a Needs Authorization status, but have not been authorized prior to HVCU’s cutoff times are automatically marked Expired and can no longer be submitted to HVCU for processing. Expired transactions must be submitted again.
- Transactions in a Needs Authorization status can be authorized or rejected using the Authorizations tab in the Business Admin feature, and can be done on a desktop or mobile device.
- If a business user rejects a transaction, Internet Banking/Mobile Banking automatically recalculates the submitting business user’s daily, weekly, and monthly limits, and removes any deductions recorded against those limits for the transaction type.
- If a transaction is rejected, the business user submitting the transaction gets a notification email regarding the rejection.
- Depending upon a role’s permissions, business users can establish notifications (alerts) when an ACH template, wire, or account transfer request is submitted for approval. Subscribers will see alerts displayed on their dashboard as well. Alerts are configurable under Settings / Notifications.