Dual Approvals (Business Banking Only)

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Dual Approvals is a control that requires two separate people to authorize an action. For web and mobile banking, Dual Approvals applies to ACH payments or wire transfers. With Dual Approvals, when an Organization (Org) user with proper permissions submits a wire transfer or ACH payment, it is submitted for approval to all Org users with dual approval permissions.

Org Account Holders and Org users with Admin permissions automatically have all permissions, including editing organization details and approving or rejecting transactions via dual approval. They can also grant various permissions to other members of the organization, including the ability to approve or reject transactions via dual approval.

Org Account Holders and Org users with Admin permissions can enable Dual Approvals at their org if the feature is offered by your institution. Please contact support@narmi.com if you wish for orgs with more than one Org Account Holder or Org user with Admin permissions to have the option of enabling dual approvals for their org.

Note: By default, an org that enables dual approvals cannot disable it without permission and action from your Staff (process described in Disabling Dual Approvals below).

In this article:

Enabling Dual Approvals

Org Account Holders, or Org users with Admin permissions to turn on dual approvals for their org, can enable Dual Approvals within the web app.

To enable dual approvals:

  1. On the Narmi Banking web app, select the name menu > Settings > Security and turn on the desired Dual Approvals toggle(s):

    • ACH payments – Enables dual approvals for ACH payments

    • Wires – Enables dual approvals for Wire transfers

  2. In the dialog that appears, select Yes, turn on.

Staff users with the “Can view user” permission can also enable dual approvals for the org by going to the Org Account Holder’s profile and turning it on. To do this:

  1. From the Narmi Command sidebar, select Manage users > select the user’s name > Actions > Opt into dual approvals.

Disabling Dual Approvals

In order for an org to disable Dual Approvals, an Org Account Holder or Org user with Admin permissions needs to contact your staff for permission. If you decide to grant permission, a staff user with the “Can view user” permission would do the following:

  1. From the Narmi Command sidebar, select Customers/Members.

  2. Select the user profile of the Org user making the request.

  3. Select Actions and then select Allow access to Dual Approvals setting.

  4. In the confirmation dialog, select Allow access.

Once that is done, the Org user who made the request can turn off the Dual Approvals toggle(s) in their Narmi banking Settings.

Re-enabling Dual Approvals

If the org wants to turn Dual Approvals back on, an Org Account Holder or Org user with Admin permissions would turn on the Dual Approvals toggle(s) in Settings on the web app.

After that, a staff user with the “Can view user” permission would do the following to ensure the org doesn’t turn off the setting without staff permission:

  1. From the Narmi Command sidebar, select Customers/Members.

  2. Select the user profile of the Org user making the request.

  3. Select Actions and then select Deny access to Dual Approvals setting.

  4. In the confirmation dialog, select Deny access.

Sub-user Permissions for Dual Approvals

Org Account Holders and Org users with Admin permissions can grant permission to other members of their organization to approve or reject transactions via dual approval.

To do this:

  1. From the web app, select the Tools menu, then select Manage users.

    Aqua Bank interface with Manage users option highlighted in the Tools menu.
    From the mobile app, select the More menu, then scroll to the Login & Security section and select Manage users.

    Mobile More menu with Manage Users option highlighted.

  2. On the Manage team page that appears, select an existing user with a Collaborator role from the list, or select Add a new user.

    User management interface displaying team members and an option to add a new user.

    On mobile, select the person icon on the upper right to add a new user.

    Team management mobile app interface showing list of team members and add a member icon highlighted.

  3. For new users, enter User info and under Access level, select Collaborator. After entering information on the mobile app, select Next.

    Form to add a new user with access level options for Admin, Collaborator, and Viewer.

  4. Select Approve transactions with dual approvals and any other permissions the user requires.

    List of permissions for money movement, highlighting dual approval transactions option.

  5. Select Save or select Send invite for new users.

For more information on managing business users in Narmi Banking, go to Manage Users.