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Most of what a Shared Access user can do is view-only, yet there are a few situations when they're allow to do more. Here's an overview:��

What Shared Access users can do with delegated accounts��

• View-only:
  
  • Account summary, balance details, Money tracker and rewards balances.��
  • Transaction history (excluding check and deposit slip images).��
  • Statements for loans, lines of credit, lease, and investment accounts.��
• Create and manage nicknames in their profile.��
• Hide and un-hide accounts from their dashboard.��
• Include accounts in total assets and liabilities (Wealth delegates only).��
• Access our investments mobile app (when an investment account is delegated).��
• Access our trust mobile app (when a trust account is delegated).��

What Shared Access users can't do with delegated accounts

• Use mobile check deposit.��
• View full account numbers. Only the last four digits is available.��
• Intentionally overdraw an account.��
• Transactions between ��KY���� accounts and external accounts (e.g., external transfers, Zelle® or wire transfers).��
• Create, edit, or cancel recurring account transfers or payments.��
• Edit or cancel one-time transfers scheduled 30 days in advance or more.��

Wealth and business account owners��

If you have a Wealth or business account, you have options beyond what's listed above. This includes granting the Shared Access user transaction privileges, which allows them to:��

• Complete transfers between your accounts with ��KY����. They can be one-time transfers or future-dated transfers (not to exceed 30 days in advance).
• Schedule bill pay payments to existing external billers.
• Edit or cancel any one-time pending or future-dated transfer they've made.��

Business account owners��

As a business account owner, you can give your delegate access to your monthly statements. This feature is only available for small business accounts.

• If granted, your entire statement including your full account number will be viewable.
• Your delegate can view all your statement history.��
• You can add or remove this access at any time.��

More information

• Business and personal accounts have separate mobile and online banking profiles. When an owner sends a Shared Access invitation, it's only valid for that specific banking profile. For example, if a business owner sends a Shared Access invitation, it's only good for that owner's business account profile, not their personal one.
• Owners and administrators can review Shared Access user transactions within their digital banking. These are found in the Shared Access Manage Users dashboard.
• We’ll send a letter when one of the below takes places:
  • A user is granted shared access.
  • Access levels have changed.
  • The access to certain money movement products has changed.
  • Daily limits are changed.

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