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Last Verified: April 10, 2026
Confidence Level: High

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Overview

C3 Bank allows you to grant access to your accounts by creating a Sub-User. This is done through Pinnacle Financial Partners, 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

ConceptC3 Bank term
Delegated userSub-User
AdminSub-User Administrator

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Setup steps

1. Navigate to user management

Sign in to Pinnacle Financial Partners.From the top navigation, go to: Cash Management → Administration
Click Add A New Sub-User.Enter the user’s details:
FieldNotes
First nameRequired
Last nameRequired
EmailRequired
User roleRequired
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 levelInquiry
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 Submit to complete.

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Important notes

If no account access is assigned, the user will see no data.
Pinnacle uses the Social Security Number to authenticate that user when they call for assistance with online banking. If you choose to use a number that is not the user’s social security number, be sure to communicate that to the user.
Use one user per account if separate connections are required.