Edit Customer >> User tab

Left Column

• User Name: User name assigned (cannot be a name in existence). Cannot have spaces.
• Name: The customer’s name
• Email Address: the email address
• Security Code: A specific answer provided by the bank for the customer to use to complete the setup process. As a security measure, the setup process presents a challenge question that the customer must answer to correctly in order to continue.
• Password: Note that passwords created for customers by your Bank Administrator will be included in the Password Security Check, if your bank uses it. If the password entered by the Administrator has appeared in data breaches at other companies and exceeds the bank's password breach threshold, an alert message will be displayed. A new password must then be entered by the Administrator.

  

• Force Password Change: This will force the customer to change his/her password. Note that temporary one-time passwords are not included in the Password Security Check, if your bank uses it.
• Force Security Questions Change: If this box is checked, then the customer when logging in will be directed to the Security Question screen. The customer is forced to change the security questions/answers and save the information.
• Security Question 1,2,3: These are the security questions the customer selects.
• Security Answer 1,2,3: Answers to the security questions will not display to the admin, however they can be changed, if needed.
• Last Browser Login: Time and Date of the last browser login
• Last Mobile Login: Time and Date of the last mobile app login
• Last Text Banking Login: Date and time of the last time the user accessed text banking
• Invite Status:
  • Green Checkmark: The customer has completed the setup process.
  • Envelope: The customer has been invited but has not completed the setup process.
• User Status: Clicking a Lock icon will enable the user and change the User Status to Active.
  • Active: The text “Active” displays for users that are not locked or disabled
  • Pending: The text "Pending" displays for users that have not started or completed the set up process
  • Lock: Locked by the customer.
  • Lock with Red: Disabled (A Disabled Status is added manually by an Digital Banking administrator).
  • Lock with Green: Disabled Inactive (Disabled Inactive is a record that has become disabled because of inactivity).
  • Self-Enrolled: if checked, the user went through the self-enrollment process for digital banking access
  • Override Card Transfer Maximum: by enabling this feature, it will allow the admin to override the bank default P2P limits.

    Single Transfer Maximum:  Dollar amount allowed for a single P2P transfer

    Daily Transaction Count Maximum: Number of P2P transactions that can be done in a day

    Total Daily Maximum: Dollar amount allowed daily for P2P transfers

    Rolling 7 Day Transaction Count Maximum: Number of P2P transactions that can be done in any given, rolling 7 day period

    Rolling 7 Day Amount Maximum:  Dollar amount allowed over a rolling 7 day period for P2P transfers

    Rolling 30 Day Transaction Count Maximum: Number of P2P transactions that can be done in any given, rolling 30 day period

    Rolling 30 Day Amount Maximum: Dollar amount allowed over a rolling 30 day period for P2P transfers

• Enable PPD: This Standard Entry Class Code is used for direct deposits (credit) into a consumer’s account or for preauthorized bill payments (debit) on a consumer’s account
• Enable CCD:  This Standard Entry Class Code is used with either a credit or debit application where funds are either distributed or consolidated between corporate entities
• Enable WEB:  This Standard Entry Class Code is used for the origination of debit entries (either Single or Recurring Entry) to a consumer’s account pursuant to an authorization that is obtained from the Receiver via the Internet
• Enable RCK:  This Standard Entry Class Code is a Single Entry ACH debit application used by originators to re-present a check that has been processed through the check collection system and returned because of insufficient or uncollected funds
• Enable CTX:  This Standard Entry Class Code supports the transfer of funds (debit or credit) within a trading partner relationship in which a full ANSI ASC X12 message or payment related UN/EDIFACT information is sent with the funds transfer
• Enable TEL:  This Standard Entry Class Code is used for the origination of a Single Entry debit transaction to a consumer’s account pursuant to an oral authorization obtained from the consumer via the telephone

Right Column

• Digital Banking User Type: This can be used to identify a user as consumer or business for tracking purposes. This field is also used to distinguish between brands for a single FI, if needed
• Create ACH Companies: if enabled, this will allow the user to create new ACH companies
• ACH Pass Through: if enabled, this allows the submission of a NACHA formatted ACH file by business users.  When used, the file directly passes through to the NuPoint ACH Warehouse without intervention from Digital Banking account limits
• Edit External Accounts: if enabled, this allows the user to add new external accounts as well as edit existing external accounts
• Out of Band Authentication: if enabled, this will prompt the user to add a device to the system if they do not already have one.  Once a device is built it will prompt for OOBA based on elected OOBA stop points for the user
• Authentication on login: if enabled, based on authentication method (token or OOBA) the user would be prompted for verification at login
• Authentication on iPay Subscriber: if enabled, based on authentication method (token or OOBA) the user would be prompted for verification at initial bill pay setup
• Authentication on iPay Payee: if enabled, based on authentication method (token or OOBA) the user would be prompted for verification when adding a new bill pay payee
• Clear Customer OOBA Enrollment:  This will clear out all devices set for OOBA on the user and force them to set up a new device at login if OOBA remains enabled. Typically this feature will be used if a customer has recently acquired a new device or has restored their device from a previously backed up version.  If an occurrence beyond these takes place, a call into digital banking support will be needed for further investigation vs. utilizing this option.
• Manage Sub User Authenticators: if enabled, this will allow the user to distribute tokens to sub-users and control what stop points are enabled for verification
• Bill Pay User Type: defines the type of bill pay user; consumer or business. By default this is set to consumer
• Bill Pay Status: When the customer signs up for the bill payer option, this field shows as "Enrolled," otherwise it displays "Not Enrolled."
• Bill Pay service status: When a customer has enrolled for bill pay this will show as active
• Bill Pay Subscriber ID: processor assigned ID to link the bill payer to this account.
• Days of Recent Transactions – Checking; Savings; CD, IRA, Loan: defaulted to system defaults, but editable (up to maximum allowed) per customer if needed.
• Internet banking charge account: not in use
• Internet Banking Fee: not in use
• Waive internet banking fee: not in use
• Allow Same Day ACH: Only available if enabled in Bank Settings - Allows customers to submit Same Day ACH batches, as long as they are submitted before the set cutoff time in the Schedule tab.
• Enable ACH ALERT SSO: not in use
• ACH ALERT USER ID: not in use
• Clear Customer Auto-Login devices: this will clear out all devices enabled for auto-login
• Mobile Remote Deposit Tier: tier limit setting for deposits through mRDC
• Mobile Remote Deposit ID:  ID specific to the user assigned by Ensenta
• Send Attachments: if enabled, allows customer to include attachments on messages
• Remote Deposit Capture: if enabled, customer has access to SSO RDC features within digital banking

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