Axos Bank

How to create and configure an authorized user in Axos Bank Business Online Banking.

Overview

Axos Bank allows you to grant access to your accounts by creating a Sub-User.

This is done through Axos Bank Business Online Banking, where you can:

• add a new user with their own login credentials
• choose which accounts they can access
• define what they are allowed to see and do, such as viewing balances or initiating payments

You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

Bank terminology

Concept	Axos Bank term
Delegated user	Sub-User
Admin	Administrator

Setup steps

1. Navigate to user management

Sign in to Axos Bank Business Online Banking.

From the top navigation, go to: Cash Management → Administration.

2. Create user

Click Add a New Sub-User.

Enter the required details as prompted by the interface.

Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.

3. Assign account access

Select the account or accounts this user should access.

This must be done for each account individually. If skipped, the user will not see any accounts.

4. Configure permissions

Setting	Recommended
Access level	View Only
Balances	✅
Transactions	✅
Statements	✅
Payments (initiate)	❌
Approvals	❌
Daily limits	Set as appropriate

The above example corresponds to read only functionality. If you want to enable Waycore to draft transactions on the portal, you should enable payments, approvals, and limits correspondingly.

5. Finalize

Review the setup and click the confirmation button to complete.

Important notes

If no account access is assigned, the user will see no data.

We recommend that you verify all details and use controls such as dual control.

Use one user per account if separate connections are required.