Innovation Federal Credit Union

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

Overview

Innovation Federal Credit Union allows you to grant access to your accounts by creating a Delegate.

This is done through Business Online Banking, where you can add a new user with their own login credentials, choose which accounts they can access, and define their role (Initiator or Read Only). You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

Bank terminology

Concept	Innovation Federal Credit Union term
Delegated user	Delegate
Admin	Signer

Setup steps

1. Navigate to Manage Delegates

Sign in to Business Online Banking.

From the top navigation on the Web, go to: Business Services → Manage Delegates (On the Mobile App, select More → Business Services → Manage Delegates)

2. Add New Delegate

Click Add New Delegate.

Enter the Delegate’s details:

Field	Notes
First name	Required
Last name	Required
Email	Required
Mobile number	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. Choose the Delegate's role

Select the appropriate role for the Delegate:

• Delegate – Initiator: This role can only initiate non-monetary and monetary transactions and cannot be executed without approval of the Signer(s).
• Delegate – Read Only: This role can only perform read-only activities such as view transactions or account balances.

Select Delegate – Initiator if you want to enable Waycore to draft transactions on the portal. Select Delegate – Read Only if you only require read-only functionality.

4. Create temporary password

Create a temporary password and re-enter it to confirm.

Check the box to confirm you have obtained consent from the delegate for the collection of their personal information.

5. Confirm and save

Select Continue, review the information, and select Confirm to save.

Once the delegate is successfully created, the system will generate a username that starts with the letter “D” followed by seven digits. The system will send the username to the delegate via text and email.

6. Manage Account Access

From the Manage Delegates screen, select the Delegate and select Manage Account Access.

By default, Select All is on. You can manually choose to check or uncheck accounts individually.

Click Confirm to save account access.

Important notes

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

The temporary password must be provided to the delegate by the signer. You should clearly indicate the Delegate has 24 hours to login, use the temporary password and create a new password. Failure to do so will result in the same error messages as for invalid password.

Use one user per account if separate connections are required.