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Last Verified: April 14, 2026
Confidence Level: High

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Overview

Innovation Federal Credit Union allows you to grant access to your accounts by creating a Delegate. This is done through Business Online Banking, 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

ConceptInnovation Federal Credit Union term
Delegated userDelegate
AdminSigner

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Setup steps

1. Navigate to user management

Sign in to Business Online Banking.From the top navigation, go to: Business Services → Manage Delegates
Click Add New Delegate.Enter the user’s details:
FieldNotes
First NameRequired
Last NameRequired
UsernameRequired
EmailRequired
Mobile NumberRequired
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 levelDelegate – 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 Confirm to complete.

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Important notes

If no account access is assigned, the user will see no data.
When you add a new delegate, the delegate’s Username is automatically generated by the system and cannot be changed. You must create a temporary password for your delegate, which you will share with them.
Use one user per account if separate connections are required.