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Last Verified: April 10, 2026
Confidence Level: High

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Overview

Midwest Bank allows you to grant access to your accounts by creating a Organization User. This is done through Business Online and Cash Management, 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

ConceptMidwest Bank term
Delegated userOrganization User
AdminAdmin

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Setup steps

1. Navigate to user management

Sign in to Business Online and Cash Management.From the top navigation, go to: My profile → Business management → Create user
Click Create user.Enter the user’s details:
FieldNotes
First NameRequired
Last NameRequired
User IDRequired
Primary E-mail AddressRequired
Area/City Code & NumberRequired
Confirm PasswordRequired
Country/RegionRequired
LabelRequired
PasswordRequired
Secondary E-mail AddressOptional
Additional InformationOptional
ExtensionOptional
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 levelViewer
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 Done to complete.

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Important notes

If no account access is assigned, the user will see no data.
When creating a user, default permissions are automatically assigned. The Admin must select ‘Enable accounts’ and give the user access to at least one account to create the user. Additionally, there are multiple specific permissions (e.g., ‘View ACH’, ‘Initiate ACH’, ‘Work Positive Pay’) rather than broad ‘View Only’ or ‘Full Access’ roles. Users must be invited via ‘Send email invite’ or from their profile.
Use one user per account if separate connections are required.