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Digital Banking Security Features for Businesses

Enable these digital banking security features.

With Five Star Bank Digital Banking, you have the ability to activate features that can provide your business accounts with added protection. These include:
 

User Management

Overview

The User Management page lets you view all your existing users and their contact information in one easy place. Depending on your number of employees, owners and company policies, Five Star Digital Banking allows you to set up multiple users with different responsibilities. Each user is assigned user rights that permits or prevent them from performing certain actions, such as sending or drafting payments, accessing specific accounts, etc. 
 

Managing users

In the Settings & Support tab, click Manage Users.
  1. The following information is available for each user:
    • Name
    • Email Address
    • Applied user role
    • Status
    • Last login time
  2. You can click on a user to make edits.
  3. You can sort users in alphabetical or reverse alphabetical order, by email address, role, status or last login order by clicking the arrow icon next to the Users column.

Adding a user

Each employee needs their own specific login ID and password to give them access to digital banking. This allows you to manage your business banking at multiple levels.
 
In the Settings & Support tab, click Manage Users.
  1. Click the Add User button in the top right corner.
  2. Enter the user's first name, last name and email address.
  3. Select the user's country using the "Phone Country drop-down and enter their phone number.
  4. Create a unique login ID for the new user.
  5. Enter a password following our guidelines and confirm it in the provided
  6. Select the appropriate user role using the drop-down.
  7. Click the Save button when you are finished.
Tip: Need to edit or delete a user? Authorized users with the Manage Users right can make changes to existing users at any time. Click the pencil icon next to the user you want to edit or delete.
 
 

Alerts and Notifications

Overview

The Alerts page lets you view and manage all your existing security alerts. From here, you can edit your delivery preferences (phone call, email or text message) and customize your notification triggers (password changes, logins, transactions, etc). 

Managing Security Alerts

In the Settings & Support tab, click Alert Options.
  1. Next to each predefined alert, select the toggle switch to enable or disable an alert.
  2. To change how alerts are received, click Edit Delivery Preferences.
  3. Enter either your email address, phone number or both.
  4. Check the box to allow Five Star Bank to send text message notification.
  5. Click the Save button when you are finished.  
Tip: You can also set up customized alerts by selecting the New Alert button and choosing from the dropdown of options (Account, History, Non-Online Transaction, Online Transaction). After, complete each of the steps based on your preferences and select Create Alert once you're finished.
 
 
 

Mobile Authorizations

Overview

Mobile Authorizations enable an authorized user to approve drafted ACH or wire transactions over the phone or through email. After establishing a Mobile Authorization Code, users with Approval rights are notified when payments are drafted, so they can accept those payments without having to log in to digital banking.

Setting up Mobile Authorizations

In the Settings & Support tab, click Mobile Authorizations.
  1. Enter a new 4-digit code in the Mobile Authorization Code box.
  2. Create a new contact method.
    • Click the Add E-mail button. Enter the approver’s e-mail address and click the Save button.
    • Click the Add Phone button. Select the approver’s country using the “Country” drop-down and enter their phone number. Click the Save button.
  1. Choose which transaction types you want the approver to be an eligible approver for by checking the appropriate boxes.
  2. Click the Submit button when you are finished.
Tip: Double-check the contact information you enter for the approver to ensure accuracy. This will help avoid any delays or issues with the approval process.
 
 
 

Multi-Factor Authentication

Overview

Multi-Factor Authentication (MFA) enhances security by requiring users to verify their identity using two or more independent factors before accessing sensitive information or performing critical actions. After establishing an MFA setup, users with access rights are prompted to provide additional verification when attempting to log in or approve transactions, ensuring that even if one factor (like a password) is compromised, unauthorized access is still prevented.

Enabling Multi-Factor Authentication

In the Settings & Support tab, click Two-Factor Authentication.
  1. Click the Add Contact button and select your preferred method for secure access code delivery (New Email, New Voice, New Text).
  2. Enter your corresponding email or phone number depending on the method you selected.
  3. Select the Save button once finished.
Tip: It's a good practice to enable multiple methods for receiving your secure access code (e.g. email and text message). This way, if you lose access to one method, you can still log in using the other. Always ensure that your contact information is up to date to avoid any access issues.
 
 
 

Transaction Controls

Overview

The Company Policy is a list of allowed actions and limits that applies to the whole business. All created user rights fit within the Company Policy. If you have
Manage Company Policy rights, you can make edits to parts of the Company Policy, but it cannot be deleted.

1. choose a transaction to edit

The first tab within Company Policy is the “Overview” tab. This section contains a list of all transaction types including their approval limits and allowed actions. Here, users with Manage Company Policy rights can choose a type of transaction to edit at the Company Policy level.
 
In the Settings & Support tab, click Manage Users.
  1. Click the Overview tab.
  2. View the approval limits and allowed actions for each transaction type.
  3. Click on the transaction type you would like to make changes to.

2. Choosing the Maximum Draft Amount

After selecting a transaction type to edit, you can adjust the maximum amount of drafted funds. 
  1. Click on the Draft Amount action.
  2. Enter the maximum draft amount using the number pad or click the Any button for an unlimited amount.
  3. Click the OK button when you are finished making changes.

3. choosing the number of approvals

Next, you can decide on the number of authorized approvals needed for that specific transaction type.
  1. Click the Approvals action.
  2. Click the + or - icon depending on how many approvals the specific transaction type requires.
  3. Click the OK button when you are finished making changes.

4. Choosing the subsidiaries

Different transaction types have the ability to exclude certain subsidiaries.
  1. Click the Subsidiaries action.
  2. Select which subsidiary can be used in a specific transaction.
  3. Click the OK button when you are finished making changes.

5. Choosing the accounts

If you have Manage Company Policy rights, you can decide which accounts are used for a specific transaction.
  1. Click the Accounts action.
  2. Select which groups or accounts can be used in a specific transaction.
  3. Click the OK button when you are finished making changes.

6. Choosing the Drafting hours

You can also set time limitations for specific transactions. This is especially beneficial if you only want transactions to occur during business hours.
  1. Click the Draft Hours action.
  2. Click the boxes to select the hours a user can draft or send a transaction.
  3. Click the OK button when you are finished making changes.
 

7. Choosing the Location

If your business conducts transactions in different regions, you can select the appropriate places to permit them within the Company Policy.
  1. Click the Location action.
  2. Select which countries transaction can be performed in.
  3. Click the OK button when you are finished making changes.
 

8. Choosing the IP Address

If your business conducts transactions in different regions, you can select the appropriate places to permit them within the Company Policy.
  1. Click the IP Address action.
  2. Enter a new IP Address and click the Add button.
  3. Click the OK button when you are finished making changes.
 

9. Choosing the IP Address

Standard Entry Class Codes, or SEC Codes, designate the valid payment methods allowed. Each SEC Code defines the type of transaction (debit or credit), type of account (corporate or consumer), and any information specific to the format (such as single/recurring, terminal location, or check number).
  1. Click the SEC Codes action.
  2. Select which code you would like to use.
  3. Click the OK button when you are finished making changes.
 

approval limits

You can review the Approval Limits within the Company Policy. These limits are read-only at the Company Policy level but can be adjusted within User Roles to fit a user’s specific responsibilities.
 
In the Settings & Support tab, click Manage Users.
  1. Select a transaction type in the Overview tab to view the approval limits.
  2. Click the Approval Limits tab.
  3. View the maximum limits for transactions and amounts.
  4. Click on the transaction type you would like to make changes to.
Tip: The Policy Tester gives you the ability to test possible actions before making changes within the Company Policy. This allows you to see if a certain transaction can be performed based on the Bank Policy and Company Policy. Select a transaction type in the Overview tab to run a specific test and then click the Policy Tester tab. 

Keep your accounts protected.

Explore ways to help secure your accounts and avoid fraud.