Farmers and Merchants Bank of Long Beach

How to create and configure an authorized user in F&M Business Online Banking.

Overview

Farmers and Merchants Bank of Long Beach allows you to grant access to your accounts by creating a User.

This is done through F&M Business Online Banking, where you can:

• add a new user with their own login credentials
• define what they are allowed to see and do using granular permissions
• choose which accounts they can access

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

Bank terminology

Concept	Farmers and Merchants Bank of Long Beach term
Delegated user	User
Admin	Administrator

Setup steps

1. Navigate to user management

Sign in to F&M Business Online Banking.

From the left-hand navigation menu, go to: Commercial → Manage Users

2. Create user

Click the Add User button located on the right side of the screen.

Enter the required details for the new user:

Field	Notes
First Name	Required
Last Name	Required
Email Address	Required
Phone Country	Required
Phone	Required
Login ID	Required
Password	Required
Confirm Password	Required

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. Configure permissions (critical)

The system uses granular permissions. You must individually configure the user’s entitlements by selecting specific transaction types and assigning rights.

Setting	Recommended
Balances	✅
Transactions	✅
Statements	✅
Payments (initiate)	❌
Approvals	❌

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.

4. Assign account access

Navigate to the Accounts tab to specifically designate the user’s rights for each individual account.

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

Important notes

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

Use one user per account if separate connections are required.