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Last Verified: April 14, 2026
Confidence Level: High

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Overview

Most business banking platforms allow you to grant access to your accounts by creating a Delegated User (often called an Authorized User, Sub-user, or Delegate). This is typically done through the bank’s administrative or security settings, 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

While terminology varies by institution, look for these common concepts:
ConceptCommon terms
Delegated userAuthorized User, Sub-user, Delegate, Secondary User
AdminSystem Administrator, Master User, Primary Owner
User managementAccess & Security, User Administration, Entitlements

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Setup steps

1. Navigate to user management

Sign in to your business banking portal.Look for navigation items such as:
  • Administration
  • Account Management
  • Access & Security
  • User Settings
Click Add User or Create New User.Enter the user’s details. Banks typically require:
FieldNotes
First NameRequired
Last NameRequired
Username / User IDRequired
EmailRequired
PhoneRequired (often used for MFA)
Role / TitleOptional
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.
Most banks allow granular control over what a user can do.
SettingRecommended
Access levelView Only or Read Only
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, Submit, or Add user to complete.If the bank generates a temporary password, please share it with our team via the comments section in onboarding.

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Important notes

If no account access is assigned, the user will see no data.
If Dual Control or secondary approval is enabled on your account, a second administrator may need to approve the new user before they can log in.
Use one user per account if separate connections are required.