M&T Bank

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

Overview

M&T Bank allows you to grant access to your accounts by creating a Sub-User. This is done through M&T Online Banking for Business, where you can add an authorized user to the account, create a new username for that user, and set specific limits on transfers for that user.

Bank terminology

Concept	M&T Bank term
Delegated user	Sub-User
Admin	Administrator

Setup steps

1. Navigate to user management

Log in to M&T Online Banking for Business. From the top navigation, click on the Services tab, then select Authorize Other Users under the Managing Balances section.

2. Consent to User Authorization

Review the Important Notice on Adding Users. Select the radio button for Yes, the company accepts the risk and click NEXT.

3. Enter User Information

Enter the required details for the Sub-User.

Field	Notes
User ID	The user will use this to log in
First Name
Last Name
Email Address	The user will receive an email prompting them to set their password
Status	Select Active

Click NEXT. A pop-up will appear reminding you of the User ID you created. Note this down and click NEXT on the pop-up.

4. Set Privileges

For each account listed, choose the level of access:

• Access Account: Select this to grant access.
• Set Privileges: If Access Account is selected, you can configure transfer and bill payment privileges.
  • Manage Transfers: Choose from “No transfer privileges”, “All transfers require approval”, “Can approve transfers up to [Limit]”, or “Can schedule and approve transfers up to [Limit]”.
  • Manage Bill Payments: Choose from “No Bill Pay privileges”, “Can add payees and schedule bill payments (all require approval)”, “Can add payees and approve bill payments up to [Limit]”, or “Can add payees and schedule and approve bill payments up to [Limit]”.
  • Place Stop Payments: Select Yes or No.
• No Access: Select this to deny access to the account.

Click NEXT when finished.

5. Review and Submit

Review the user information and assigned privileges. Click SUBMIT to create the user, then click Finish. Ask the user to log in using the User ID you created and the password they set by following the secure link provided in the password setup email.

Important notes

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

Use one user per account if separate connections are required.