User Controls Guide

Secondary User Access

Provident’s User Controls allow business members the option to add and remove secondary users to view and access their account(s) through online and mobile banking. You must be a business accountholder enrolled in online banking to access User Controls and add secondary users.

To enable this service, sign on to online or mobile banking and submit a request to add an additional user via the Secure Form.

Adding a New Secondary User:

You will need the following information when adding a new secondary user:

First, Middle (if applicable), Last Name
Date of Birth
Social Security Number
E-mail Address
Phone Number (home and mobile)
Street Address, City, State, Zip Code

Once signed in to online or mobile banking, select “Name/Initials” in the top ribbon and then select “Secure Forms” from the Messages & Forms menu.
Select the “Add Additional User” form, complete the required information and click send.
Provident will add the new user to your account (or contact you if there is a problem) within 1 business day.
Once you've been notified that the secondary user has been created by Provident, you can then update their User ID, create a temporary password for them, and set your new user’s access, based on the account(s) and services within online and mobile banking you want them to be able to access.

Edit / Remove an Existing User:

To edit an existing secondary user’s personal information, click the pencil icon
To edit a secondary user’s controls, click the keys icon
To delete a secondary user, click on the "x" icon

Secondary User Access	Available	Can Restrict Access by User*	Can Restrict by Account**
Accounts	The business decides which accounts users can see and interact with. If the user is given account access, this includes: Account numbers Account history Balance information Payoff amounts Credit limits For any page the user has access to where the user can select or see accounts, only the accounts the user is allowed to see will be listed. Accounts can also be hidden or restricted separately for some features (see below).
Statement and Notices	Only the business has access to statement and notices; other users do not. This page includes PDFs that combine information for several accounts, and can therefore not be restricted on an account-by-account basis. So, to ensure that users aren’t seeing more than the business has given them access to see, the entire page is restricted.
e-Deposit	The business determines which of its users are authorized to deposit checks into the accounts they can view.
Text Banking	The business determines which of its users are authorized to access the text banking page. This gives them the ability to add or delete phone numbers, and to enable accounts for text banking. Users will only see phone numbers there that have been added through the User ID they sign on with. They will also only see (and access through text banking) the accounts on that page that the business allows them to see.
Stop Payments	The business determines which of its users are authorized to stop payments on checks written from the accounts they have access to.
Check Ordering	Only the business has access to online check ordering; other users do not.	Cannot restrict by user	Cannot restrict by user
Alerts	Each user of the business can access and set their own deposit and loan alerts to be sent to their personal phone number or email address. Users cannot set up alerts for accounts that they do not have access to. Only the business has access to credit card and debit card alerts at this time.
Profile Settings	Each user of the business can access and edit their own User ID, password, contact info, etc.
Secure Messages	All users of the business have individual inboxes, and the messages they send are not visible to other users. Users may only inquire about accounts to which they have been granted access.
Overdrafts	The business determines which of its users can access and manage overdraft sources. Both Overdraft Transfer Protection and Courtesy Pay Overdraft require all source accounts to be visible, regardless of account-level view access, but the balances are not shown. If the business doesn’t want a user to be aware of the name or existence of one or more accounts, they should not grant that user access to overdrafts.
Manage Users	The business can grant any user the ability to manage any of the other users. This ability means the user can: Edit or remove other users. Set access restrictions for other secondary users.The user can thus act on behalf of the business for granting features listed in this table, but only for features they have access to themselves that the business would otherwise control. Note that if the user is granted the right to manage users, they can also grant this right to other users.
Password Reset and User ID Reminder	All users of the business can: Reset their password using the “Forgot Password” link from sign on screen if they forget their password Use the “Forgot User ID” link from the sign on screen to receive an email with their User ID
Bill Pay	The business determines which of its users can access Bill Pay. There is also separate control over whether the user can: Manage payees Send expedited payments Note: Account level restrictions affect the ability to create new payments or edit existing payments. It does not affect the ability to see payments that are already submitted, and the accounts that are the sources of those payments.
Transfers	The business determines which of its users can make transfers and view transfer activity. In addition, there are additional controls to determine if the user: Can make external transfers Can manage cross accounts Can make person to person payments with Zelle^® Will need approvals for transfers, between Provident accounts, or can approve/reject transfers from other users who need approval (Dual Control) Will have transaction and/or daily maximum limits for transfers between Provident accounts, transfers, with separate limits for each user
Mobile Banking	All users of the business can access mobile banking with the same permissions they have in desktop online banking. There is no provision for the accountholder to restrict certain users from using online banking.

* “Can Restrict Access by User” means the feature can be limited on a per-user basis.
** “Can Restrict by Account” means that the business can allow the user to access that particular feature for some accounts but not others.