A request we’ve been receiving more frequently lately is a way to let members work with all their credit union memberships by logging in to a single online banking account. This recipe will track the ideas, plans, and projects we’ll be working on in this area.

The Projects

The most common request is a way to see a list of all accounts, including ones on which the person is a joint owner, in one place. We’re envisioning something similar to the old “See” feature that existed prior to the introduction of the new look for online banking in 2021, but with a new UI that more easily aggregates all accounts into a single list.

From this consolidated list members would be able to view basic account details and transaction history for any account. To perform any transactions, a “jump to this membership” link would be available that would automatically sign the member on to that membership (no additional credentials needed). This would work the same as our existing “Jump” feature, so that permissions on that account could be used to determine what the member could do once jumped.

Project #1: Aggregation Features for Business Online Banking

Our first foray into this area was a project for the BizLink 247 business banking solution that added a new option under Member Personal Banker, allowing CUs to offer a “see/jump” feature to their business members using BizLink 247.  This is designed for business members who may have multiple business memberships at the credit union.

Similar to the current jump feature for It’s Me 247, the CU is responsible for the initial setup. Using a tool in Personal Banker, the CU chooses a primary membership, then adds list of secondary memberships (account bases) that can be aggregated and jumped to from the primary account login. For security reasons, on business accounts there is no mechanism for the member to do the aggregation setup in PIB-MLO.

Features:

• Memberships chosen for see/jump privileges must be other businesses who are also using the BizLink 247 business online banking platform
• Employees still log in under a single membership account (the “primary” membership)
• Each business employee has their own aggregation/jump permissions (so the owner can have some but the accountant might not)
• A new cross-platform widget allows the CU to put aggregation features front and center on their business online banking page and within the app
• The “See all my accounts” module will be available from the new widget
  • This page is similar to the existing full account summary, with balance totals according to type (savings, checking, loans, etc.)
  • Additional features allow for filtering which of the linked memberships should be included in the displayed totals
• A “Jump to this account” feature will allow the employee to jump to the other membership and perform other tasks (transfers, bill pay, eStatements, open accounts, etc.)
  • All permissions once they jump are controlled by the employee ID that has been designed as the “alias” when setting up the aggregation/jump permissions (i.e., person signs on to account 123 as “Accountant123” then jumps to account 234 as “JSmith”)
  • After jumping to another membership, the member can use a “switch back” feature to shift back to the primary membership under BizLink 247

Status: Implemented with the 25.10 release! 

Learn more in the Account Aggregation (See/Jump) for BizLink 247 Reference Guide

What’s next?

• Project #2: Once we get the BizLink 247 see/jump project up and running, we will start inventorying what changes would be needed to add similar functionality to It’s Me 247 online banking for individual membership.
  • Adapt the existing See/Jump controls already available in Member Personal Banker
  • Create a new aggregation module (“see”) similar to the new one being created for BizLink 247
  • Make the existing Jump feature more accessible and easier to use
• Project #3: Design a new table and mechanism for adding multiple sets of user access credentials to the same membership, to be created by the primary member – see the separate recipe for more details
• Future: Assuming we can overcome some technical infrastructure challenges, we may consider:
  • Adding the ability to show sub-accounts from multiple memberships in the “Favorites” feature on the home page
  • Providing the ability to jump to personal memberships (It’s Me 247) from a business membership (BizLink 247), or vice versa
  • Addressing permissions at the sub-account level in some way

Status: In very early stages of product design.

Your chef for this recipe:  Dawn Moore