User management overview

Every user has an individual set of rights, including:

Rights to create payments and templates of specific Transaction Types.
Limits on the transactions the user can approve.
Rights to access specific accounts.
Rights to features in online and mobile banking.
Transaction view capabilities.

These rights control what each user can do in online and mobile banking. Manage these rights by giving users the permissions that they need to perform their jobs.

Note: Although many Business concepts regarding user management also apply to the Corporate Banking product, see Using Corporate Banking if you will use the Corporate functionality in online banking. In addition to rights and limits, Corporate includes User Roles with varying levels of entitlements, as well as Company Policies.

The rights, features, and accounts assigned to the Business user you create for your business are driven by your needs and factors such as the business structure, number of owners, and number of employees.

The following table includes examples of user transaction and feature rights for business structures:

Business structure examples
Business structure	Owners	Employees	Transaction and feature rights for individuals
Sole proprietorship	1	5	Owner: Draft and approve vendor payments and invoices. Manage users. Backup: Draft restricted for vendor payments and invoices.
Partnership	2	20	Owner 1: Draft vendor payments and invoices. Manage users. Owner 2: Approve vendor payments and invoices. Manage users. Office manager: Draft restricted for vendor payments and invoices.
Small or medium business	Multiple	200+	Directors: Access to Payment Templates. Approve payments. Manage users. Payables manager: Draft and approve vendor payments and invoices. Receivables manager: Draft and approve collections. Others: Draft restricted for vendor payments, invoices, and collections.
Large business	Shareholders	1000+	Finance EVP: Access to Payment templates. Approve payments. Payables manager: Draft and approve vendor payments and invoices. Receivables manager: Draft and approve collections. Others: Draft restricted for vendor payments, invoices, and collections.