1. What is Shared Access?
Shared Access allows account holders to grant access to their online banking accounts with another individual(s). Shared Access can be useful to business owners and for those scheduling bill payments or managing money for another individual’s account (such as an elderly parent or college-age child).
2. How do I add a sub-user?
Under the “Additional Services” menu in the main navigation, you will see a link called “Share access with others.” This link will take you to the page where you can add sub-users and manage their permissions.
3. What happens once I add a sub-user?
Once you save the sub-user, they will receive an email at the address you provided for them with directions on how to set up their account. Once they activate their account, the date of their most recent login will be displayed next to their name on the access management page.
4. What will my sub-users be able to access?
Sub-users will only be able to see accounts they were granted access to when you, as the account holder, set them up. For the accounts to which they have access, they will be able to see the balance and transaction history, check and deposit images (if supported), and download the transaction history. Sub-users will be able to make transfers and bill payments from accounts that these permissions were granted for. The sub-user will not be able to access FinanceWorks, Purchase Rewards, Online Statements, or other pages within online banking. They will also be unable to access your account from their mobile device (mobile web or the mobile application).
5. What type of payments can I delegate?
If your accounts are properly set up with payment products (e.g., Bill Pay, ACH or Wires), you’ll have the ability to delegate limited access to the sub-users.
6. I want to grant Bill Pay access to a particular account but the permission is not showing up in the list for that account. Why is this?
The Bill Pay permission will only display for accounts that you have already set up as Bill Pay funding accounts. If you want to grant Bill Pay permissions to an account that is not currently a funding account, you must first go to the Bill Pay page and add this account as a funding account and then attempt to add a sub-user again. The Bill Pay permission should then display for this account. Please note that if have set up external funding accounts in Bill Pay, you will not be able to grant access to those accounts to your sub-users.
7. Can I place a limit on the amount of money my sub-users can move?
Yes, you can limit the amount of money a sub-user can move. When you grant permissions for an account, you will be prompted to enter a transaction limit. You cannot grant access without defining a transaction limit. Any transactions submitted by the sub-user that exceed this limit will require your approval before they process. We do not currently support transaction limits for internal transfers.
8. Where do I go to approve transactions submitted by a sub-user?
You can approve sub-user transactions on the same page where you manage their permissions. To access this page, login to your account and under the “Additional Services: menu, click on the “Share access with others” link. The transactions that require your approval will be displayed at the top of this page with buttons to approve or deny the transactions.
9. I see the “Approval Needed” icon next to Bill Pay transactions on the home page, but I don’t see these payments on the Bill Pay page. Why is this?
Transactions that are pending approval do not show up on the main Bill Pay page. However, they will show up with a status of PENDING on the Bill Pay transaction history page. Transactions that are approved by the account holder will show up as normal scheduled payments on the main Bill Pay page. Transactions that are declined by the account holder will not be displayed on the Bill Pay page.
10. Will I be notified when my sub-user performs a transaction?
You will not be notified when the sub-user makes transfers. If you have given the sub-user access to make payments, you will be notified when they submit transactions.
11. I granted transfers permission, but my sub-user cannot make a transfer. Why?
In order to make account transfers, you must grant sub-user transfers permission to both the “to” and the “from” accounts. It’s possible that the sub-user cannot make transfers between the accounts that you intended them to transfer between because you did not grant transfers permissions for one of those accounts.
12. Can I give a sub-user access to particular accounts?
Yes, you can do this by granting either view only or transfer/payment permissions to the set of accounts you want the sub-user to see and access.
13. Can I prevent a sub-user from making transfers between my accounts?
Yes, you can prevent transfers between accounts by only giving the sub-user view-only access to an account.
14. Can I edit my sub-user’s account information such as their email address, phone number, username, or password?
You can edit the sub-user’s name, email address, phone number, and permissions by clicking the “Edit” link next to their name on the Access Manager page. Account holders cannot edit a sub-user’s user name or password. The sub-user must do this by logging in and making these changes in the “My Profile” menu.
15. Can I cancel a sub-user’s access to my accounts?
Absolutely! And at any time. Go to the page where you gave them access, find their name, look at the Access slider, and change the permission from “Yes” to “No.” Doing this will revoke all sub-user access and prevent them from logging into online banking altogether.
16. What if I can’t get to my computer right away to cancel a sub-user’s access?
Call us right away at (978) 452-5001. We can put the sub-user on hold Ð this will prevent the sub-user from logging into online banking.
17. What if my sub-user forgets their username or password?
The sub-user can easily reset their password or retrieve their username using the links on the online banking login page. Additionally, you as the account holder can call Jeanne D’Arc Credit Union to have your sub-user’s password reset at (978) 452-5001.
18. Who can I contact with questions or to report a problem with Shared Access?
Please contact us at eMemberServices@jdcu.com or (978) 452-5001. Remember, do not email us any personal information.