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Last Verified: April 10, 2026
Confidence Level: High

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Overview

U.S. Bank allows you to grant access to your accounts by creating a Shared Access user. This is done through U.S. Bank 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

ConceptU.S. Bank term
Delegated userShared Access user
AdminShared Access administrator

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Setup steps

1. Navigate to user management

Sign in to U.S. Bank Business Online Banking.From the top navigation, go to: Profile & settings → Login preferences → Shared Access (Manage)
Click Add User.Enter the user’s details:
FieldNotes
User First NameRequired
User Last NameRequired
User IDRequired
Available ActionsRequired
StatusRequired
User TypeRequired
EmailOptional
PhoneOptional
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 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 Submit to complete.

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Important notes

If no account access is assigned, the user will see no data.
Business profiles cannot grant Shared Access to an existing username; a new profile must be created using the user’s email address and phone number. A phone number is required because digital banking cannot be used without one on file. The invitation expires in 72 hours.
Use one user per account if separate connections are required.