Provide online account access to others
Maintain your password's security
Select various permissions and notifications
You want to give other people access to certain Philadelphia Federal Credit Union accounts while protecting your password in the process. This feature lets you do both. It's a helpful tool, whether you own a business, manage your aging parents' finances or handle the finances for your college-age children.
To set up Shared Access in Online Banking, go to Manage Money, click on Account Access and select Shared Access.
Under the “Manage Money” menu in the main navigation, you will see a header called “Account Access.” Select the “Shared Access” link. This will take you to the page where you can add sub-users and manage their permissions.
Once you save the sub-user, they will receive an email at the address you provided for them with directions on how to setup their account. Once they activate their account, the date of their most recent login will be displayed next to their name on the access management page.
Sub-users will only be able to see accounts for which they were granted access when you, as the account holder, set them up. For these accessible accounts, sub-users will be able to see the balance and transaction history, check and deposit images, and download the transaction history. Sub-users will be able to make transfers and bill payments from accounts in which they were granted permissions. The sub-user will not be able to access Manage My Money, Purchase Rewards, Online Statements, or other pages within Online Banking. They will also be unable to access your account from their mobile device (mobile web or the mobile application).
If you are enrolled in Bill Payer, you’ll have the ability to delegate limited access to the sub-users.
The bill pay permission will only display for sub-users that have successfully set up Bill Payer for the primary account.
Yes, you can limit the amount of money a sub-user can move. When you grant permissions for an account, you will be prompted to enter a transaction limit. You cannot grant access without defining a transaction limit. Any transactions submitted by the sub-user that exceed this limit will require your approval before they process. We do not currently support transaction limits for internal (book) transfers.
You can approve sub-user transactions on the same page where you manage their permissions. To access this page, login to your account and under the “Manage Money” menu, click on the “Shared Access” link. The transactions that require your approval will be displayed at the top of this page with buttons to approve or deny the transactions.
Transactions that are pending approval do not show up on the main Bill Payer page. However, they will show up with a status of PENDING on the Bill Payer transaction history page. Transactions that are approved by the account holder will show up as normal scheduled payment on the main Bill Payer page. Transactions that are declined by the account holder will not be displayed on the Bill Payer page.
You will not be notified when the sub-user makes transfers. If you have given the sub-user access to make payments, you will be notified when they submit transactions.
In order to make account transfers, you must grant sub-user transfers permission to both the “to” and the “from” accounts. It’s possible that the sub-user cannot make transfers between the accounts that you intended them to transfer between because you did not grant transfers permissions for one of those accounts.
Yes, you can do this by granting either view only or transfer/payment permissions to the set of accounts you want the sub-user to see and access.
Yes, you can prevent transfers between accounts by only giving the sub-user view only access to an account.
You can edit the sub-user’s name, email address, phone number, and permissions by clicking the “Edit” link next to their name on the Access Manager page. Account holders cannot edit a sub-user’s username or password. The sub-user must do this by logging in and making these changed in the “My Profile” menu.
Absolutely! Go to the page where you gave them access, find their name, look at the Access slider, and change the permission from “Yes” to “No.” Doing this will revoke all sub-user access and prevent them from logging in to Online Banking altogether.
The sub-user can easily reset their password or retrieve their username using the links on the Online Banking login page. The sub-user must utilize the self service (that is, try to reset their password or retrieve their username) feature.
