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Last Verified: April 10, 2026
Confidence Level: High

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Overview

Bank of America allows you to grant access to your accounts by creating a Sub-user. This is done through Business Advantage 360, 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.

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Bank terminology

ConceptBusiness Advantage 360 term
Delegated userSub-user
AdminPrimary Administrator

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Setup steps

1. Navigate to user management

Sign in to Business Advantage 360.From the top navigation, go to: Business Services → Add new users
Click Add new user.Enter the user’s details:
FieldNotes
First NameRequired
Last NameRequired
Online IDRequired
Confirm Email AddressRequired
Email AddressRequired
PasscodeRequired
Re-enter PasscodeRequired
Copy the account access of an existing userOptional
Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.
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.
SettingRecommended
Access levelView
Balances✅
Transactions✅
Statements✅
Payments (initiate)❌
Approvals❌
Daily limitsSet 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.
Review the setup and click Save to complete.

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Important notes

If no account access is assigned, the user will see no data.
Only the Business Advantage 360 account owner is eligible to enroll; administrators or sub-users are excluded. MFA methods like SMS or hardware tokens can be utilized.
Use one user per account if separate connections are required.