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Account Management Services Support and FAQs

 

Access & Security Manager℠

With Access & Security Manager, business owners can provide other individuals, such as a bookkeeper or accountant, with limited or full access to their accounts online. Access can be limited by account number, by the type of transactions an individual can use, by daily dollar limits on how much money can be moved, and more. Plus, Access & Security Manager provides detailed activity reports for monitoring the activity of each individual.

The administrator will have control of assigning users and deciding which accounts each user will have access to, depending on your specific security needs.

 

Each authorized user will have a unique user ID and password, which grants them access only to the accounts specified by the account administrator.

A signer on the account can have account administrator privileges. If you need to reassign this responsibility, call the Internet Service Center at 1-877-ChasePC (1-877-242-7372).

Yes, any signer on the account can setup a user ID. Note that if you would like someone to access move money services (ACH Payments, QuickDeposit, Wire transfer, etc.) on your behalf, those individuals will need to be added as an authorized user through Access & Security Manager.

If you would like to assign the account administrator responsibility to someone else in the organization, call the Internet Service Center at 1-877-ChasePC (1-877-242-7372).

As the account administrator, simply sign on with your user ID and password and choose "Account Management" and then "Access & Security Manager" to get started. For other individuals who were set up as authorized users, they simply sign on using the ID and temporary password the administrator provided to them.

Test drive Access & Security Manager, along with other great Chase Business Online features.

Adding Authorized Users

An authorized user can be any trusted individual such as an accountant, bookkeeper, employee or a business partner. Each authorized user will have a unique ID and password which gives them access only to the accounts and services specified by the account administrator.

Choose "Add new user" from the Access & Security Manager overview page. This will take you through these five simple steps:

 

  1. Create a user ID and temporary password.
  2. For each account, identify the level of access ("no access", "view only", "transact"). If they can transact, define the transaction types they can use, any limits you want to place on the amount of money that can be moved and if they require another individual to approve a transaction before any money is actually moved.
  3. For each account, identify if this user is authorized to approve transactions initiated by other users.
  4. For each account, identify the services user is authorized to initiate (such as bill pay, wire transfers, ACH, etc.).
  5. Provide the user ID and temporary password to the authorized user. The user ID and password will also be sent to the administrator’s Message Center mailbox.

To add a user, the account administrator will need to provide the user’s first and last name, an email address, phone number, the user's ID, and a temporary password.

Yes, for each account you can identify the level of access ("no access," "view only," "transact", "view and transact") for each account. If they can transact, you can also determine the type of transactions and add any limits you want to place on the amount of money that can be moved, and if they require another individual to approve a transaction before any money is actually moved.

You may set up as many as 99 users with varying levels of access.

Once users are set up and provided with a user ID and password, they’ll have immediate access to the accounts. They'll be asked to complete their enrollment by setting up a password, a security code, confirming their number and address.

Yes, a user will be able to sign in to Chase Business Online. However, the user will only have access to the Message Center and the Customer Center. They'll be presented with a message stating that account access hasn't been provided.

Delegating Account Access

  1. See adding a new user above.
  2. For existing users:
    1. Locate the user’s name on the "Access & Security Manager" landing page.
    2. Choose the Edit/assign access link.
    3. For each account, identify if this user is authorized to approve transactions initiated by other users.

You can give your users access to these transaction types: pay bills, make ACH Payments or Collections, Direct Deposit payroll payments, transfer funds, make wire transfers, create Online Invoices. Note: users cannot make transfers from credit products.

Yes, you can restrict a user to view-only access to some or all of your accounts. You can set an account to "view only" at step #2 of the "Add user" process. For current users, you can go to "View/edit access" and choose "view only" for the account(s) you choose.

Yes, you can set a dollar limit on how much money can be sent on a daily basis. This limit can be set by account number and by the type of transaction (e.g., wire transfers, bill payment, etc.). You can set specific dollar limits for transactions at step #2 of the "Add user" process. For current users go to "View/edit access."

Yes. To grant identical access to multiple users, go to "View/edit access," choose the user you would like to edit access for, then choose the user whose access information you would like to copy from the drop down menu provided.

When editing a new user’s access, you can enter a dollar amount in the Daily Limit field for each account. Plus, you can set dollar limits that would require another individual to approve the transaction before any money is actually sent. For current users, go to "View/edit access" and enter a dollar amount in the Daily Limit field for each account.

An account administrator can grant access to checking, savings, CD, money market, credit, mortgage, investment, auto loan/lease and brokerage accounts. Level of access varies by product type.

Yes, you can grant access to your personal accounts if they're currently linked to your business accounts.

As the account administrator, if you hide an account, all users will lose access to the account immediately and will be notified by a pop-up message. If the account administrator later shows the account again the user will no longer be able to access the account unless the account administrator re-grants access to the account.

Only the account administrator can access the following activities:

  • Credit transfers
  • Account Alerts
  • Statement imaging
  • Check imaging
  • Edit account services (such as paperless statements)
  • Enroll in additional services (such as ACH Payment Services)
  • Enter an Office Of Foreign Asset Control (OFAC) code for wires

To change the accounts a user can access, choose the "View/edit access" link next to the user’s name in Access & Security Manager.

We calculate daily limits on the payment date, not the date we receive the information. The payment date is calculated for the date based on the type of payment instruction. A payment date must always be a bank business day — Monday through Friday excluding federal holidays. Cutoff times are:

  • 9 PM Eastern time on the payment date for most bill payments. (For customers with accounts opened in Texas branches, the cutoff time is 9 PM Central time on the payment date.)
  • 6:30 PM Eastern time on the payment date for Chase direct payee payments.

If a user edits a transaction that needs to be approved, he or she will become the owner and the initiator of that transaction. The transaction is no longer associated with the user who originally created it and will be included in your daily limit.

If a user schedules a transaction that exceeds the daily limit on a given transaction type the transaction will be denied by the system. The user will receive a message stating the payment has been rejected because it exceeds their daily limit.

If a user schedules a transaction that exceeds the approval limit the transaction will be accepted by Access & Security Manager and will be required to be reviewed by an approver. The user will receive a confirmation message in their Message Center mailbox verifying the payment has been submitted and needs to be approved.

When a payee is added or changed, the user ID of the person who made the change and the date and time the change was made will be captured and displayed in the payee details.

If you delete or suspend an authorized user, all pending transactions scheduled by that user will still be processed unless you delete the transaction.

Yes, you can. Transactions can only be canceled if they're in the pending stage. For future-dated transactions, you may go to the pending screen to edit or cancel the transaction. For current day transactions, you have until the cutoff time indicated to cancel that transaction.

Yes. When adding new users, you can require approvals at step #2 – "Add user." Here you'll choose "Approval Required" for each type of transaction as well as by account number. You can also specify a dollar amount above which a transaction will require an approval before it is complete. For existing users, go to "View/edit access," choose "Approval Required," and enter a dollar amount in the "Approval Required Amount" field.

Yes, users can be set up to approve transactions for other users at step #3 - Add user. Note: Once a user is designated an "approver," the user can approve/decline all transaction types for the identified account.

An administrator may require (this step is optional) an authorized user to obtain approval for specific or all eligible transaction types including account transfers, bill payments, Direct Deposit payroll, ACH Payments and wire transfers. You can also require approvals only if a dollar amount for a transaction exceeds a set daily or transaction limit.

Changing a User Profile

To see or change a user profile, go to "View/edit user profile." Here you can also change the status of a user by choosing either "Activate/unlock," "Delete" or "Suspend" based on your preference.

  • Activate/unlock: Unlocks a user’s access after he/she has signed in unsuccessfully after three attempts.
  • Suspend: Ensures that the user can no longer access the accounts. The user’s information is archived and can be turned on again by the account administrator anytime.
  • Delete: Ensures that the user can no longer access any of the accounts, and his/her profile information is permanently deleted by the system. To regain access, the user information must be completely reentered. Only a history of their activity will be saved.

Changes to a user profile go into effect immediately. If a user has an open Chase Business Online session, that profile will be impacted by the change the next time the user accesses the system.

If you suspend or delete a user, all prior transactions will continue as scheduled and won't be affected.

If a user name is changed, their previous name will be displayed for prior or existing transactions under that user ID. All future transactions will display the updated name.

If a user enters an incorrect user ID or password after three attempts they'll be locked out of the system.

If a user is locked out, go to "View/edit user profile" and choose "Activate/unlock."

Approving Transactions

System administrators always have the ability to approve transactions. To enable an authorized user to approve transactions, the administrator assigns the user "Approve transactions" entitlement using Access & Security Manager. Transactions needing approval will be in a queue for any user who has "Approve transactions" entitlement. The queue can be accessed by choosing "Pay & transfer" and then "Pending approvals." Each transaction will have a box to check to approve the transaction.

The approver will receive an error message explaining that the date is past due and must be edited. Only approvers who have access to perform the transaction type for the account will be able to edit and resubmit it. Payments pending approval are deleted systematically 30 days past the schedule date of the payment if it hasn't been approved.

No, when a user approves a repeating payment series, no further payments from the series need to be approved.

If an approver edits a transaction, they become the owner and the initiator of that transaction. The transaction is no longer associated with the user who originally created it.

If a transaction is rejected by an approver an email notification will be sent to the user’s Message Center mailbox and to their external email address.

You'll get a notification in your Message Center mailbox. You'll also see an indicator on the Payments and Transfers page and you can see the approved transaction on the pending page (i.e., Pending Bill Payments).

Reporting

Only the administrator has access to the reporting functionality.

Choose "Account activity" from the Access & Security Manager main page or the link at the top of each Access & Security Manager page.

Administrators can see an authorized user’s account activity by choosing "Account management," "Access & Security Manager," and then "Account Activity." Account activity can then be filtered based on access level or transaction type in addition to account and service level breakdowns.

Yes, as the administrator, you can save the report by choosing "Export transactions" from the Account activity page.

The reporting capability provides you with activity for online transactions only.

The date range available is specific to the type of report you choose. The date range varies from 90 days to 1 year.

  • Activity report by account – last 90 days
  • Activity report by user – last 90 days
  • Activity report by transaction type – last 90 days
  • Permissions report by account – last 12 months
  • Permissions report by user – last 12 months
  • Profile maintenance by user – last 12 months
  • Authorized user(s) status – this report provides a snapshot of the user’s status as of the current date and won't allow for a date range search.

Authorized Users Getting Started

Users are required to change their temporary passwords, establish their password reset questions, provide an email address, confirm their address and establish a Security Code. The Security Code authenticates a user when calling Chase Customer Service.

Users will only see accounts to which the account administrator has delegated access.

Users will be able to send inquiries to Chase Customer Service through the Chase Message Center.

Yes, each user will be assigned their own Chase Secure Message Center mailbox.


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