Business Online Banking

Who should I contact with questions regarding enrollment and set up?

Please contact Business Services at 651-747-8900 or e-mail at This email address is being protected from spambots. You need JavaScript enabled to view it.. Should you choose to e-mail, please do not include any sensitive account information.

If I delete Sub-User Administrators, will their sub-users be deleted as well?

No. The sub-users are considered “children” of the primary commercial users, so they remain in the system.

What steps should I take if a sub-user no longer works for my business?

The sub-user’s access ID should be disabled immediately to prevent any unauthorized access to the business accounts. Ideally, the sub-user access ID for the former employee should be reassigned to another employee rather than deleted, as deleting an access ID affects any pending commercial transactions originated and/or approved by the sub-user. A sub-user’s access ID cannot be reassigned to another sub-user once it has been deleted.

User types within Business Online Banking

Focus Member

Individual who initially enrolls on behalf of the company. The Focus Member is an individual who is both an authorized signer on an eligible Business Member account and has been given the authority to establish and manage Sub-User access to Ideal Credit Union Online Banking. The Focus Member is considered to have full authority to act on behalf of the Business Member and any other authorized signers. A Focus Member can designate and remove Sub-Users and may assign certain administrative rights to a Sub-User.

Sub-User Administrator

Refers to an administrative user available only to Business Members. A Sub-User Administrator may administer and assign access rights to Sub-Users.

Sub-User

An Authorized User who has been assigned access to an Eligible Account by a Focus Member or Sub-User Administrator. Sub-Users may be granted full or limited access to originate online transfers such as ACH transactions and/or wire transfers.