Business Enrollment

Before using Digital Banking, users must first enroll from a web browser or the mobile app. This article walks you through the easy enrollment process for businesses.

Note: Only the primary account holder can enroll for a Digital Banking account. Once enrolled, the primary account holder can invite other users who have their own credentials. Additionally, invited Admin users who successfully proceed to Digital Banking can also invite other users. To invite other users after account holder enrollment is complete, go to Manage Users.

Business users follow these steps to enroll in Digital Banking:

1. From the login page, select Get Started.
   
   Or from the mobile app, select Need to Enroll?
   
2. Select Business as the account type and enter the following account details: Date of birth of the account holder, Social Security Number of the account holder, and IRS Employer Identification Number (EIN) or Federal Tax ID. Depending on your financial institution, this page may also ask for an Account Number and email address.
   Select Next.
   
   After this step, a temporary username is created. In the event that the user leaves enrollment and wants to continue later, they can go to the link in the continuation email you send them (go to Resend Enrollment Code for instructions). Users can also continue enrollment by resetting their password, or re-entering their information in the "Tell us more about you" page (upon doing so, they will receive an email with a link to continue).
   
   
3. If the enrolling user was invited as a business sub-user, their enrollment starts here—a prompt to enter a verification code received via email.
   Additionally, the prompt to enter a verification code also displays for business account holders if your financial institution requires two-factor authentication or has enabled enrollment codes.
   To verify identity, we send a verification code to the email address associated with the account. The email address onscreen is masked for security. Enter the verification code from that email in the Verification code box and select Next.
   Note: Valid characters in the verification code are all lowercase letters and the following numbers: 2,3,4,5,6,7 (not 0,1,8,9).
   To enable this enrollment code for your users, go to the Admin Platform, under Institution Settings > Enrollment Code.
   
   
4. Choose the username and password for the new Digital Banking login.
   The username must be less than 150 characters and may contain letters, numbers, or any of the following special characters:  _, @, +, ., -. Usernames are not case-sensitive.
   Minimum password length varies by financial institution, but we highly recommend a minimum password length of at least 10 characters.
   We validate the password to ensure it is not similar to the user’s name or email address, that it is not too common, and it is not entirely numeric. Users may be required to edit their chosen password if it does not pass these validators.
   Select Show in the Password box to reveal the characters entered. Select Next to continue.
   
   
5. Review the institution’s disclosures, which can include:
   • E-sign Disclosure – To configure the E-sign Disclosure URL, go to the Admin Platform, under Institution Settings > Include E-sign Disclosure Link On the Review Disclosures Page
   • Privacy Policy – To configure the Privacy Policy URL, go to Institution Settings > Privacy URL
   • Terms of Service – To configure the Terms of Service URL, go to Institution Settings > Business Terms & Conditions URL
     
     Select each link to open and read the disclosure. When finished reviewing, select the check box to agree, then select Next.
     
     
6. On the next page, set up the account preferences. The preferences shown on this page may vary, depending on what your financial institution offers or requires.
   Note: Depending on your institution's configuration, users may be able to set up these preferences in Digital Banking from a web browser. To do this, from the name menu on the top of the page, select Settings.
   The following preferences are available:
   • Two-factor authentication – If two-factor authentication (2FA) is optional at your institution, we'll recommend enabling it. To verify, we send a verification code to the phone number associated with the account. After confirming the phone number is correct, select Verify, then finish verification on the trusted device. A message appears when verification is successful.
     If you do not receive the code, select Resend code to have the code resent, or select Use a different phone number to enter a different trusted phone number.
     Note: If 2FA is required at your institution, during step 1, we proceed with setting up 2FA on the back end using the email address from the core. If your institution does not support email as a 2FA method (customized via the Admin Platform under Institution Settings > Permitted Two-factor Authentication Methods), the user will be required to add a phone 2FA device on the final step of enrollment, and the email device will be removed once enrollment is complete.
     A confirmation message appears on the page once successfully verified.
     
     
   • Paperless statements – If your institution has it enabled, users can opt in to paperless statements. Enrolling in paperless statements means that users will no longer receive mailed statements, and instead receive statements electronically, with convenient notifications provided by the financial institution or the statements provider. Only an Admin or Account Holder can enable this feature.
     
     In the Paperless statements section, users must select sample PDF to view a sample PDF statement in order to acknowledge their consent. Users cannot move forward with enabling paperless statements unless the PDF is viewed. Federal Law requires this acknowledgment, even if paperless statements were enabled in the past. Select Enroll to opt in to paperless statements. A link to your institution's e-Sign Disclosure is provided onscreen. To update the e-Sign Disclosure link, go to the Admin Platform and under Institution Settings, go to E-Sign URL. Users can select Unenroll if they change their mind at any point during the Digital Banking enrollment flow.
     
     Once the Digital Banking enrollment flow is complete, users can opt out of paperless statements from user profile Settings, but only if your institution allows it. Please contact support@narmi.com to enable paperless statements for your institution, and/or to provide the ability for users to opt out.
7. After setting up account preferences, select Finish. A page opens to the account dashboard to immediately start using Digital Banking.