Entitlements allow Primary Administrators (PA) and Secondary Administrators (SA) to create users and assign permissions for a Business Online Banking profile. Permissions allow users to take advantage of the small business account functionality provided in Online Banking. A PA can create and manage SAs and Entitled Users (EU). An SA can create and manage EUs. An EU will have permissions to access functionality that are assigned by the PA or an SA. An EU cannot create other users or modify permissions.

The Primary Administrator (PA) is responsible for oversight of functionality, transactions, assigning user roles and permissions for the business account profile. The PA has total approval authority for all transactions. The client must assign a PA to the account upon origination of their Business Online Banking profile. The PA will always have full permissions for all aspects of Business Online Banking for the client. The PA does not have to be the owner or signer on the account(s). The PA is responsible for adding new users as Secondary Administrators or Entitled Users for the account profile. There can be only one Primary Administrator per profile.

The Secondary Administrator (SA) is designated by the PA. The SA can have all of the permissions of the PA, with the exception of editing or deleting their own permissions, as well as those of the PA. The SA can add new users as Entitled Users for the account profile. New users set up by the SA can only have entitlements and permissions up to those that the SA has been granted by the PA. An SA cannot designate additional SAs. There can be an unlimited number of Secondary Administrators.

The Entitled User (EU) can be designated by both the PA and the SA. The EU can be assigned access to certain account details and given the ability to perform certain transactions and activities. This role can be revoked or reassigned by the PA or an SA. There are no limits on the number of EUs that can be designated.

If an account profile requires a new PA, an authorization change form must be requested by the account signer by contacting Customer Service at 800-273-1057 or at your local BBVA branch. This change authorization form must be filled out to demote or delete a current PA, and assign a new one to the profile.

Only PAs and SAs will be allowed to add or edit user accounts.

1. Click on Service Center in the main navigation bar to open the Service Center main page.
2. Click on the Manage Users link in the dropdown menu. You may also look for the Entitlements box in the upper right-hand side of the of the Service Center page. Then click on the Manage Users link in that box.
3. On the Entitlements page, click on the Add User link in the upper right-hand corner.
4. Enter the basic information for your new user, such as name, email address and mobile number.
5. Next you must select the User Type. Click on the down arrow in the User Type box to display the available user types. PAs may select Secondary Administrator (SA) or Entitled User (EU). An SA may only choose Entitled User. Move your mouse over the user type and click to select.
6. Click on the Next button to continue.
7. On the Access Information screen you will be setting up the new user’s Business Online Banking access credentials. Enter a Username and Password in the appropriate fields (the new user will be able to change this password at first sign on).
8. A customer service security question must be selected for the user. Click the down arrow in the Customer Service Security Question field, then select one of the questions that are presented in the dropdown box.
9. Enter the answer to the question you selected in the previous step in the Customer Service Security Answer box.
10. Your new user can be Active or Inactive. The default setting is Inactive. To activate this user, click on the button next to Status. The button will change to green and indicate Active.
    
    Be sure to provide your user(s) with the Access credentials you have created for them. When they sign onto Business Online Banking for the first time, they will be prompted to select a new password and additional security questions.
11. Click the Next button to continue.
12. You will now enable the BBVA accounts that the new user will be able to view. The default setting is NO. Click on the button next to an account in the Enable column to enable the account. The button will change to green and indicate YES. Repeat for each account that you want the user to access.
13. If you would like for the user to be capable of approving transactions for an account for which they are enabled, click on the Edit icon in the far right column to open the Approvals permissions section of the screen. When a PA or an SA creates a new user, permissions will automatically expand.
14. Click on the button next to the transaction types that you will allow the user to approve. It will change to green and indicate YES.
15. A Sole Approver can approve the transaction alone. A Dual Approver is required to have a second Approver to fully approve a transaction. Select whether or not the user can be a Sole Approver or Dual Approver by clicking on the button. The selected state will display. The PA can approve any transaction, regardless of which user initiated the transaction.
16. If you would like for the user to be capable of approving their own transactions, click the checkbox next to Approve Own Transactions. If dual approval is required, but the user is capable of approving their own transactions, only one other approver will be needed to approve the transaction.
17. Click on the OK button to save your selections. Repeat the above steps for any of the accounts that you would like to enable for a user.
18. To allow the user access to entitled accounts and transfer services through the BBVA Mobile Banking app, click on the box at the bottom of the screen to change the state to YES.
19. Click the Next button to return to the BBVA Accounts box within the Add User page.

Only Primary and Secondary Administrators can grant permissions. The Secondary Administrator can only grant permissions to Entitled Users which have been granted by the Primary Administrator.

1. Click on the Manage Users link in the dropdown menu. You may also look for the Entitlements box in the upper right-hand side of the of the Service Center page. Then click on the Manage Users link in that box.
2. Look for the Entitlements box in the upper right-hand side of the of the Service Center page. Then click on the Manage Users link in that box.
3. Find the user for whom you would like to grant or modify permissions. Click on the “+” symbol to open the user’s Entitlements information.
4. On the Permissions section of the page, all of the permissions that have been granted to the user are displayed.
5. If you would like to activate access to all accounts and all account management functions for which a user in a particular section has been given access, click on the Activate button. To remove all permissions, click on Deactivate.
6. Click on the Yes/No button. Any permissions granted will display a green YES button next to an account. If an account has been given no permissions, the button will be gray and display NO.
7. To customize permissions for a particular category, click on the “+” symbol to expand the permission category. Accounts for which the user has been granted access will be displayed within each permission category.
8. To activate a permission for an account, click on the YES/NO button in the corresponding columns. The button will change to a green YES button. To remove any previous permissions, click on the YES/NO button, which will change to a grey NO display.
9. When you are finished editing a permissions group, be sure to click the Save button to store your selections. Otherwise your choices will be lost.
10. When finished will all account permissions, click on the OK button at the bottom of the screen.

Transaction Limits are set through Permissions. The only Permissions which have transaction limits are: Transfers Within Bank, Employee/Individual Payments, Business Payments and Business Domestic Wires. A Primary Administrator can set transaction limits for Secondary Administrators and Entitled Users. Secondary Administrators can set transaction limits for Entitled Users they have created. An SA can entitle limits equal to or less than those limits for which they themselves are entitled.

1. Click on Service Center in the main navigation bar to open the Service Center main page.
2. Look for the Entitlements box in the upper right-hand side of the of the Service Center page. Then click on the Manage Users link in that box.
3. Find the user for whom you would like to set transaction limits. Click on the “+” symbol to open the user’s Entitlements screen.
4. Click on the Permissions button. Any permissions granted will be opened and display a green YES button next to an account. If transaction limits can be set for an account, a Set Limits link will display in the right-hand column. Click on the link to open the Set Limits popover box.
5. If you would like to set a “per transaction” limit, click on the YES/NO button. It will then display a green YES button. Enter the transaction limit amount in the box next to the green button.
6. If you would like to set a daily transaction amount limit, click on the YES/NO button. It will then display a green YES button. Enter the transaction limit amount in the box next to the green button.
7. To show the user their transaction limits when they are logged into Online Banking, click the checkbox next to “Show user their limits.” If you do not want to allow transaction limits to be displayed, leave the checkbox unchecked.
8. Once you are finished, click the OK button. The Set Limits popover box will close.Be sure to click the Save button to store your selections for the transaction type you just modified. Otherwise your choices will be lost.
9. When finished editing account permissions, click on the OK button at the bottom of the screen.

1. To begin the approval process, locate the Approvals widget, located on the Summary, Business Payments, Employee/Individual Payments, and Business Domestic Wires pages within Payments & Transfers. Click on the Approve Transactions tab.
2. Transactions that need to be approved will display on the Approved Transactions screen. Click on the View More Transactions button, then on the dropdown list to sort pending transactions by type. Options are All, Employee/Individual Payments, Business Payments and Business Domestic Wires.
3. The user can approve or decline each transaction individually by clicking the Approve or Decline button next to each transaction listed. All transactions may also be approved or declined at the same time by clicking on either the Approve All button or the Decline All button.
4. The Approver can click on the Undecided button if they are not ready to approve a transaction or need to collect additional information.
5. Transactions that the Approver declines are canceled. No action is taken for transactions for which the Approver is undecided. Click Next to continue to the Review screen.
6. On the Review screen, a list of the transactions will be displayed, noted with the decision classification, transactions that have been approved or declined.
7. Enter the One-Time Security Code for Approved transactions, then click Submit. (There is no One-Time Security Code for Declined transactions.)
8. A confirmation screen will display once the transaction decision has been submitted. Transactions that have been approved/declined will be listed. If a Transaction Error occurred for an individual transaction, it will be denoted with the “?” symbol with the reason for a transaction error.
9. Click the OK button to continue.
   
   Note: Transactions awaiting approval will not display in the Scheduled Transactions module until they are approved.

1. Transactions that have been created by a user and are waiting for an approval by another Approver will display in the Approvals widget on the Summary, Business Payments, Employee/Individual Payments, and Business Domestic Wires pages within Payments & Transfers.
2. In the Approvals widget, click on the Remind Approvers tab. To send a reminder for a transaction click on the Send Reminder button so that YES is displayed. The default state for the button is NO, so be sure to toggle until YES is highlighted. After making selections, click on the Next button.
3. A confirmation screen will display indicating that reminders have been sent. Click on the OK button to finish.