Here are the different types of users or administrators who can access an online business account:

• Administrator   
• Business group administrator  
• Authorized user  
• User 
• Accounting software user

What is an administrator? 

Access to remote banking services is available when you open your account (including a credit card account). 

Subject to the administrator having access, the use of communication channels does not require any particular permissions. Unless otherwise specified, each person you designate as an "administrator" will have access to all remote banking services. 

In particular, the administrator will have your authorization to: 

• modify and delete authorizations granted to other people 
• manage the various accesses and passwords 
• activate and receive notifications that we may send in connection with the services 
• authorize, enter, sign and submit payment instructions or other banking transactions (and then validate and authorize them) 
• create, transfer, retrieve and consult files 
• approve actions that they previously carried out with the self-approved right
• manage self-approved user permissions
• define self-approved rules

National Bank gives administrators default access with permissions.

The access comprises of three job roles:

1. Admin Type A Job Role
2. Admin Type B Job Role
3. Admin Type C Job Role

They are in addition to the access rights for transactions, depending on the different features subscribed to by the company.

The Admin Type A Job Role contains permissions that can only be withdrawn by National Bank. This job role cannot be given to another user. However, it is possible to create a job role containing these same permissions so that they can be assigned, if required.  

Admin Type A Job Role:

• Manage service agreements 
• Manage legal entities  
• Manage users  
• Manage job roles  
• Manage users in the service agreement  
• Manage permissions  
• Manage account groups 

The Admin Type B Job Role allows most of the actions needed to manage a company.

It is assigned by default to the authorized user, for the following rights and permissions:

Admin Type B Job Role: 

• Manage user profiles   
• Create a user  
• Suspend access  
• Reactivate access  
• Delete access   
• Account summary  
• Manage statements   
• Rename accounts  
• Manage service agreements  
• Manage legal entities  
• Manage users  
• Manage job roles  
• Manage service agreement users  
• Manage permissions  
• Manage account groups 

The Admin Type C Job Role contains the Level A approval and the self-approved right.

Each approval level must match the level assigned in the approval policies.

What is a business group administrator?  

An administrator in a business group has the same permissions as an administrator or authorized user. The difference is that when they create a job role, they must choose a viewing context: either that of the main entity, or click on the entity beginning with "**" to access the business group. 

What is an authorized user?   

Each administrator has the administrative function to delegate partial use of the services to others as an "authorized user". For some services you can do so via the National Bank app, the online platform or the communication channels. 

You must therefore take all necessary steps to ensure that the administrator and the authorized user are aware of our guidelines to use the remote banking services. 

As stipulated in the Agreement for Business Banking, you are solely responsible for the consequences of the authorizations granted to the directors and authorized users, in particular those resulting from i) their own actions, omissions, faults or negligence, ii) the transactions carried out by them and iii) any failure by them to comply with the internal powers granted to them. 

Unlike a regular user, this individual can contact National Bank for assistance because they have already been identified. 

The authorized user will automatically be granted the Admin Type B Job Role by National Bank, with the same permissions as an administrator, as well as access rights to carry out transactions. 

Admin Type B Job Role: 

• Manage user profiles   
• Create a user  
• Suspend access  
• Reactivate access  
• Delete access   
• View account summary  
• Manage statements   
• Rename accounts  
• Manage service agreements  
• Manage legal entities  
• Manage users  
• Manage job roles  
• Manage service agreement users  
• Manage permissions  
• Manage account groups 

On the other hand, as an administrator you now have more flexibility and autonomy to manage your access and authorized users. You can delete it from your online banking for business, but it remains identified to National Bank. If it is no longer part of your business, you must contact National Bank to remove it.

What is a user?  

A user is someone who has been created in online banking for business by someone in the company. The user is not identified by National Bank. The actions permitted by the user are determined by the job role and transactional rights assigned to the user by a member of the business. No rights are automatically assigned to a user by National Bank. A user with management rights can create and manage users but cannot grant transactional rights to other users. The involvement of a business administrator is required. 

What is an accounting software user?  

An accounting software user will be able to consult account information online and transfer it to the company's accounting software.  

When created, an accounting software user will automatically be assigned a job role with permissions to view the account summary and statements. They will not have access rights to perform or sign transactions.  

If, after creation, the administrator wishes to remove the read-only mode or add perform and sign access rights, they will have to create the user again without checking the accounting software box.