As forecasted in May, the all-new Product Statement experience has arrived. Welcome!

This special-edition 🚀 Launch 🚀 article should give you the lay of the land and help answer some important questions you may have.

First, some insight into the purpose of redesigning the Monthly Statement: While the previous Statement design had served our finanicial institutions pretty well, we’ve been thinking through ways to better accommodate the steady flow of communication you need from our Digital Product and Operations teams (and, fairly often, other teams). The need to evolve has become ever-more apparent as the scope of our Digital team’s product offerings has continually grown. The new Statement experience is designed to help you consume our news more conveniently and efficiently than ever.

Below, you can learn more about the new features, general functionality, and a few user experince (UX) sweeteners the new Statement offers.

You can now boost Tap2Local adoption and drive engagement by using the pre-built campaign assets in the Jack Henry Marketing Center. This complimentary campaign provides an expanded set of assets – including emails, landing page, banners, brochures, and postcards – to help you empower your community today.

Ready to drive growth? Visit the Marketing Center to access free marketing materials to reach established SMB accounts or uncover consumer accountholders with potential “side gigs” who need a professional way to pay.

Our SilverLake bank customers with both Banno Business and Enterprise Workflow (EWF) will be glad to see this one: We’re wrapping up closed beta on a new enhancement that allows banks utilizing EWF to automatically generate the NTID and initial business administrator right from a customized workflow.

This update completely eliminates the need to dive into core NETPAR menus, cutting out the typical processing delays so the business and user appear in Banno People immediately. Once the workflow runs, your team can instantly finalize permissions in People and send the user invite – streamlining your business onboarding from start to finish.

Keep an eye on future Monthly Statements for the official release announcement and full documentation details. Not yet contracted for Banno Business or EWF? Reach out to your Digital Experience Sales Executive to get started.

Here are a few notable Knowledge Base pages (and collateral) we added or edited during May:

• Jack Henry Insights: Read about Jack Henry Insights, which will soon generate user-friendly, human-readable reports that can be easily created or customized.
• Tap2Local Report Exports: Learn about two new reports financial institutions can access and export to better understand merchants’ enrollment, adoption, and usage trends.
• Support App Evolution: See our new page outlining the future-forward updates coming to Banno Support and Conversations.
• Treasury Management Video Resources: Watch two new videos – Treasury Management ACH Files via SFTP and Treasury Management Wire Files via SFTP.

Note: Due to browser behavior beyond our control, PDF links may open directly in this same browser tab.

While exceptions for Jack Henry Rapid Transfers are not common, there are, ahem, exceptions to the norm. With that in mind, we’re pleased to announce that the Jack Henry Exception Manager will soon be made available to SilverLake banks to help streamline the process of working Rapid Transfer exceptions.

This will equip your team with clear decisioning options; your authorized admins can easily manually post the exception – right there in Banno Admin – or retry it so that the system picks up right where the Rapid Transfer left off.

Furthermore, the Exception Manager uses detailed transaction types to clearly explain which part of the transfer failed – such as distinguishing between an entire failed transfer or just a failed fee. This empowers your staff to efficiently resolve the issue without additional, unnecessary postings to your General Ledgers.

No additional contract or support ticket will be required for this feature, and we will provide additional details here in the Digital Statement as we get closer to launch.

Note: We also have plans to make this new functionality available on all other foundational cores in the future (we don’t have a timeframe to share yet).

Please join us at our upcoming events:

• Developer Office Hours: Tues., June 9, 2026 at 11:00 a.m. CT
• Digital Banking Meetup: Fri., June 12, 2026 at 11:00 a.m. CT
• Treasury Management Office Hours: Mon., June 22, 2026 at 10:00 a.m. CT
• Product Security Meetup: Wed., Aug 19, 2026 at 3:00 p.m. CT

Beginning with Tax Year 2026 filings (submitted in calendar year 2027), the IRS will retire its legacy Filing Information Returns Electronically (FIRE) system and replace it with the Information Returns Intake System (IRIS). This change affects all financial institutions that file information returns such as forms 1099, 1098, 1042-S, and 5498.

These changes are part of the IRS’s broader effort to improve data accuracy, security, and processing efficiency for information returns.

How Jack Henry Is Supporting You

Jack Henry is actively preparing for the IRIS transition and offers flexible options depending on how your financial institution files today. To help you understand what’s required and what steps to take next, we’ve assembled a helpful list of frequently asked questions.

Supporting small-to-medium sized businesses (SMBs) has become a key growth driver for many banks and credit unions, but funding SMB growth can challenge traditional lending models and the risk appetites of even the most community-focused financial institutions.

Enter the Jack Henry LendingNetwork, a strategic service that helps your SMB clients access alternative lending sources when the business is not a fit for your institution’s credit underwriting standards.

Join us for a strategic discussion with time for open Q&A, and learn how you can help support SMBs in your market more effectively on Wednesday, June 24 at 1:00 p.m. CT. Register now to save your seat!

We’re happy to report big progress on a few important features for Jack Henry Wires.

Core Integrations

We completed development on our integrations with both CIF 20/20 and Core Director and each will be entering closed beta testing soon. These integrations are the last puzzle pieces for Jack Henry Wires to support all four Jack Henry foundational cores – a huge milestone that we can’t wait to celebrate! We’ve still got some testing to do before we can officially pop the champagne, but we will continue to keep you updated on our progress in future Statements, so stay tuned!

As of May 28, your authorized security administrators can now perform 2FA resets on behalf of other Banno Admin and Identity App users (including Treasury Management back office users).

Your security admins with the newest Users & Groups permissions (View security settings and Delete security settings) can now reset enrollments on behalf of another employee by navigating to the individual’s profile, clicking the Security tab, and removing their established 2FA settings.

As we’re able to integrate more Jack Henry products with Jack Henry Identity, we aim to continue enhancing our service for increased efficiency and ease of use anywhere we can. A couple goals for this ongoing work are to minimize any related need to submit support tickets and to drop the wait time involved when your staff needs changes to their security settings.

Going forward, resetting enrollments for their fellow employees will be the responsibility of your security admins, and the task will only require a support ticket or Jack Henry’s involvement in the rare scenario that all your security admins are locked out of the system.

iOS App

In the 3.35 release, we focused on updating our Jack Henry Rapid Transfers screens, which signal the overall aesthetic that will be deployed across the entire app in terms of landing pages and detail screens.

As we teased last month, we’ve been working on a new Monthly Statement experience for you. Final testing and launch prep is underway now, and we’re currently on track to make the cutover the week of June 15.

The redesigned Statement landing page will live at the same URL (banno.com/statements) and will improve upon the current design in meaningful ways. In short, the new experience features a modern design that makes it easier to browse and digest all our product news and announcements – on your desktop or on the go!

Key Features and Functionality

• Faceted filtering: Jump to the content most relevant to you with new Article Type and Product filters.
• Clean, modern user experience and responsive design that feels fresh yet familiar, like your favorite info-rich blog – whether viewed on your desktop, tablet, or mobile device.
• Convenient Copy link feature that lets you easily share specific articles with your colleagues.

Launch Timing and Communication

Here are the key dates remaining in our steady march toward unveiling the new design:

• Pre-launch SLA: Next week (between June 1 - June 5)
• Live demo: During the Digital Banking Meetup on June 12
• Launch target: Monday, June 15 🚀
• Post-launch SLA: Within a few hours of launching

Be sure to join us for the demo during the June Digital Banking Meetup, so you can see what to expect the following week, when we flip the switch on a brighter Product Statement experience!

Coming soon to Banno – greater clarity, accuracy, and transparency for your rate swap loans. We are rolling out a new enhancement, empowering your accountholders to view their contractual fixed interest rate and accurate total payment amount directly within their account details screen.

Currently, the digital banking platform only displays the underlying variable rate, which can create confusion regarding your exact contractual obligations. For SilverLake customers, this update completely closes that gap by securely integrating your comprehensive swap loan records into Banno Online and Mobile banking views. Once released, your accountholders will always have a precise, real-time look at their true loan terms.

This update brings the powerful functionality of the Banno Online version directly to your accountholders’ mobile devices.

Leveraging our advanced transaction enrichment feature, Spending by Category on Banno Mobile will give your accountholders a fast, highly accurate, and seamless breakdown of their expenses on the go. In short, the feature will empower them to make smarter decisions and improve their financial health wherever life takes them!

If your financial institution has Spending by Category enabled for Banno Online, the mobile version will automatically become available to your accountholders upon release.

Note: Our transaction enrichment service is required to enable Spending by Category. If you have not yet enabled transaction enrichment for Banno, you can get started simply by opening a support ticket when you’re ready.

The reimagined Support experience will notably improve how your support staff manages customer conversations by providing quicker access to customer context and smarter tools for case handling in a streamlined workspace built for daily support operations.

As we’re currently doing with the UX Evolution for Banno Mobile, we plan to deliver Banno Support changes in a series of releases over the coming months. To help you prepare, we’ve added a new page to the Service & Support section of the Knowledge Base that provides an early look at where Banno Support is headed. See what lies ahead. →

Last month, we completed our rollout of Device Removal Reasons. Your users (and your staff) are now prompted to provide a reason when deauthorizing devices. We’re already seeing thousands of reasons flowing through the system, providing us with crucial labeled data we can use to identify suspicious patterns of activity in the future.

Flagging History Events

Within Banno People and in the Identity app, your designated staff will soon be able to mark history events as suspicious or fraudulent as well as add notes to help with any ongoing investigations or to provide context when reviewing past events.

Once released, you just need to grant access to the right staff members by assigning three new permissions – View labels, Manage suspicious labels, and Manage fraudulent labels.

The option to label history events is currently expected to roll out to all financial institutions by the end of June – no support ticket needed.

Important: New features released for Identity App are also relevant to customers with Treasury Management, so this update benefits Banno and Treasury customers alike!

This milestone marks a major step toward delivering a more powerful, intuitive, and future-ready platform for every Treasury institution.

Early feedback from our Beta partners is already helping shape refinements to workflows and operational controls. We’re excited to bring this evolution to all Treasury banks later this summer!

This enhancement lets businesses transmit Issued Item files directly to Treasury Management using sFTP – minimizing manual uploads and reducing the risk of human error. Key capabilities include automated file loading, a new Issued Items File Activity page for viewing and processing files, PDF downloads, notifications, and full use of existing Positive Pay entitlements and mapping tools.

Contact your account executive to contract for this service or ensure that your existing Data Transmission contract covers Check Issue Items in addition to sFTP for wires and ACH.

The Developer Relations team has updated our video gallery with a brand-new recap video of the CU Build 2025 event.

We hope this quick trip down memory lane sparks some creative inspiration for your team and gets your credit union pumped to join us this year as CU Build is making its grand return to Nashville from July 24 – 26, 2026. We’d love to see you there!

Here are a few of the Knowledge Base guides that we added or edited during April:

• Jack Henry Data Hub: We added information about Data Hub’s new data egress options.
• ACH Search Recipients: We added a section that describes the new Search Recipients tool for Banno Business.
• Treasury Management Quick Reference Guide for Channel Information Reporting: We launched a new guide that will help your staff effectively use the Information Reporting suite within the Treasury Management platform.

Please join us at these upcoming events:

• Digital Banking Meetup: Fri., May 8, 2026 at 11:00 a.m. CT
• Developer Office Hours: Tues., May 19, 2026 at 11:00 a.m. CT
• Treasury Management Office Hours: Tues., May 26, 2026 at 10:30 a.m. CT
• Product Security Meetup: The May meetup has been canceled, and we’re working on scheduling the next round. Once we know the date, we’ll add it to the Jack Henry Events page.

If you’re interested in extending support to potential account holders through your marketing website, you’re now able to do that using the same triage tooling your staff is already familiar with in Banno Support. Should your existing account holders also reach out in this way, we make it easy to securely “upgrade” a guest chat to a fully authenticated conversation inside of Banno Mobile or Online. You can learn more about Guest Chat on our Knowledge Base.

Guest Chat is also available as a part of the Support Suite for Jack Henry Conversations, which includes everything below in a nicely buttoned up package:

• Guest Chat
• Video Chat and Co-Browse
• AI Summaries
• Multi-Language Support

If your institution is interested in Guest Chat or the Support Suite, reach out to your account executive today!

The previously announced document capabilities are now available in production. Financial institutions can download a PDF of the wire list based on applied filters, as well as generate an enhanced printed form export that includes all wire details, required disclaimer language, and your financial institution’s logo as configured during onboarding.

While logo management is currently handled through existing onboarding configurations, we are actively working toward a centralized resource management experience that will let your administrators maintain branding assets directly. In the interim, please contact Jack Henry for any updates to your logo.

We have enabled these document capabilities for all customers with Jack Henry Wires. No support case is necessary.

We’re putting more power into the hands of your Jack Henry Identity admins. To streamline your internal workflows, we are developing a new administrative tool that allows your team to manage employee Two-Factor Authentication (2FA) settings directly – no Jack Henry support ticket required.

Efficiency by Design

Currently, resetting an employee’s 2FA enrollment requires a manual process handled by our development team. This update changes that. Soon, your admins will be able to remove individual 2FA methods themselves within the Users & Groups > Security Settings interface. This means immediate resolutions for your staff and less downtime for your internal operations.

We’re excited to announce a new integration path for financial institutions looking to use Microsoft Entra ID (formerly Azure AD) as a secondary identity provider. While we currently support Entra-backed credentials through LDAPS, our next major move focuses on the OpenID Connect (OIDC) federation standard, which will provide a more robust and familiar login experience for your staff.

Entra ID as Your Source of Truth

For financial institutions that choose this integration, Entra ID will become the primary home for user management. To ensure a clear, confusion-free experience, Jack Henry Identity settings pages will automatically hide options that are handled by your internal Entra setup. This includes profile edits, password rules, and self-service resets. It also includes the management of security preferences like 2FA and passkeys.

Additionally, your Entra ID configuration will govern your account status details like lockouts and inactivity settings. By letting employees leverage their existing Entra credentials for all integrated products, you will not only enhance security, you’ll simplify their entire workday.

To learn more about our Entra ID integration for Jack Henry Identity, visit the Knowledge Base.

Managing user lifecycles across multiple systems can be a manual hurdle, so we’re working on a way to automate it. Targeting this fall, we’re planning to integrate SCIM (System for Cross-domain Identity Management) into Jack Henry Identity for user provisioning.

Modernizing Your Workflow

Currently, Jack Henry Identity focuses on authentication. This means that while users can log in via Jack Henry Identity, managing their group memberships and product authorizations still requires manual work within specific authorization systems. Our SCIM project is designed to bridge that gap, moving from manual entry toward a fully modernized, automated solution.

Android App: Material 3 Kickoff

Now that our exploration of Material 3 is nearly wrapped, we’re ready to start the engine! Beginning with the Mobile 3.34 release, we’re officially kicking off our flow-based conversion to this modern design framework. Here is the game plan for the 3.34 foundation:

• Dynamic Theming: We’ll begin using the Material Theme Builder to generate and consume themes. This new look will feel very familiar, as it’s designed to align closely with your current theme while meeting the technical standards of the Material 3 engine.
• Focused Rollout: To ensure a smooth transition, this new theme will only appear on screens that have been fully upgraded to the new UX.
• First Look: We’re targeting the Recently used devices screen as our first conversion milestone in 3.34.

As we continue preparing for future releases, we’ll keep you posted right here in the Statement and on our Android App UX Evolution Knowledge Base doc. Stay tuned!

If you thought you heard it mentioned in the Digital Banking Meetup, your ears weren’t deceiving you: a new-and-improved Statement page design (yep, this very one) is coming! Our crew has been hard at work behind the scenes designing, developing, and testing features we know you’re going to love, from easy-to-filter product and article type tags to a fresh new layout that’s a breeze to browse.

In next month’s Statement, we’ll share more details – including a demo and launch dates. Stay tuned!

You now have more control over how transfer limits work for your accountholders. Previously, velocity limits in Jack Henry Rapid Transfers were tracked per debit card, meaning each card a user added had its own separate limit. Going forward, you can choose to apply limits across all of a user’s linked debit cards combined, giving you a clearer picture of how much any one person is moving in a given period. New enrollments will default to this per-user setting automatically.

If your financial institution is already supporting Rapid Transfers and you want to make the switch, you’ll need to update your configuration in People > Rapid transfers > Settings.

If you have questions about this feature or anything else related to Rapid Transfers, drop by our recurring Rapid Transfers Office Hours.

In early May, we’ll be giving you the option to turn on self-service forms in Banno. This feature will let you extend your forms library from Form Builder to the digital banking experience, so accountholders can complete and submit them.

When enabled, a new Forms menu will be presented to your users, where they will see the forms you’ve made available. When submitted, they create a new Conversation, where your team can view the responses. You can specify which forms are available for your website, inside Conversations or in the Self-Service forms option.

No support case is needed, but you will need to both enable the feature and configure forms to be displayed.

Device Removal Reasons

In Banno Online and within the Identity screens of Treasury, we are now asking for reasons when a device is removed (further described on the Knowledge Base). This same functionality will be coming to Banno People and Identity soon. On consumer apps, accountholders have the option to dismiss the prompt; however, providing a reason is required when removing devices from the Identity app or Banno People. Learning why devices are removed will help us identify risky patterns of activity so we can be better equipped to prevent fraud in the future. We’ll begin asking accountholders for these reasons in Banno Mobile as of version 3.34 (targeting early May), and you can expect to see it in People and Identity around the same time.

That’s right, retail credit unions: Starting May 4, you can offer Tap2Local, our powerful new cloud-native, hardware-free payments solution that empowers SMB owners to accept debit and credit card payments in real time! Integrated seamlessly with Banno Online and Mobile, Tap2Local gives your credit union exactly what you need to compete in the SMB space and recapture transactions that you’re currently losing to payment processors like Square.

On April 14, our credit unions that had not yet registered for Tap2Local should have received an SLA with extensive details about the go-live plan. If you’re subscribed for SLAs and you missed that email, please search for subject line, “General Alert: Your Tap2Local Go-Live date is May 4, 2026.”

That SLA provides everything you need to know about configuring the Tap2Local enrollment prompt to target your ideal business owners, providing merchant support via Conversations, and accepting our Revenue Share plan. The SLA also includes a complete list of documentation and additional resources. If by chance you didn’t receive the SLA, please open a support case so we can get you squared away.

Already signed up for Tap2Local? Fantastic! You’re already supporting your local businesses with industry altering features, and now, on May 4, your authorized admins will see a new Tap2Local dropdown in People that they can click to access the Settings screen and configure the Tap2Local enrollment prompt.

Be sure to join our product and compliance experts during the recurring Tap2Local Office Hours for answers to any and all questions you may have. We’re excited to help you get rolling with Tap2Local!

If you’ve got merchants who bill clients for services, this one’s for them. Merchant invoicing is coming to Tap2Local in mid May, and it’s exactly as straightforward as it sounds! This new feature will give your business accountholders a simple way to create an invoice, send it to a client as a payment link, and collect the money – all without leaving your app.

This is a meaningful expansion of what Tap2Local can do. Currently, the product is focused on payments at the time of transaction, which is great for businesses that sell at a counter or through a checkout flow. But a lot of small businesses don’t work that way. Contractors, consultants, freelancers, and service providers all bill people. Soon, Tap2Local will work for them too.

Alongside Invoices, we will also ship a lightweight Customers feature. Merchants can then build and manage a simple customer list, which ties the invoicing experience together and will set us up to do more in this space over time.

Both features will be available to enrolled Tap2Local merchants on Banno Online and Mobile. No additional configuration is needed.

What’s New

To provide greater visibility into issued item files, the Issued Items File Activity page provides a centralized view of all issued item file submissions. Once files are successfully uploaded, authorized users can quickly access:

• File details including file name, size, source, and processing user
• Transaction totals for checks, voids, and overall dollar amounts
• Timeline tracking with received and processed dates for each submission

To enhance management and research, the new page also gives you more control and efficiency when managing issued items:

• Interactive actions to review raw file data
• Improved search and research using a flyout filter to locate files by name, source, date, or total amount

Whether you missed Jack Henry DevCon 2026, or just want to relive the magic, we’ve got you covered. We’ve published the session recordings on our YouTube channel for your viewing pleasure.

From the Banno Digital Toolkit, to the Digital Core, to MCP and AI, you can dive into the details to your heart’s content. Less searching, more watching!

Check out the full playlist on YouTube.

From the active batch screen, users can search recipients by name, ID, batch name, or amount. More importantly, we’ve added editing abilities: end users can now update recipient details immediately within the search results without navigating the entire batch.

This update transforms a multi-step administrative task into a few clicks. By allowing users to find and correct details in seconds, you are reducing the operational friction that leads to payment errors.

This feature is available now to all Banno Business banks and credit unions. No additional contract or support ticket is required.

We have quite a few new or updated Knowledge Base guides to share with you this month:

• Call-in Verification for UIS: We’ve added a new section in the Unified Identity Service guide that describes the Call-in Verification feature.
• FactorSoft MultiFactor Authentication Enrollment Guide: To help our FactorSoft clients prepare for next month’s MFA rollout, we’ve created a handy MFA enrollment guide.
• High-Risk Action Blocking Highlight: This new product collateral leverages testimonials from several financial institutions to highlight the impact of High-Risk Action Blocking.
• Saved Replies: We wrote a new Knowledge Base guide that outlines the new Saved Replies functionality for Conversations.
• Tokenized Money Strategic Overview: The tokenized money/stablecoin landscape is changing rapidly, so we’ve documented Jack Henry’s response to help your financial institution make sense of it all.
• Jack Henry Exception Manager: We’ve published a new Knowledge Base guide that breaks down managing exception items with Jack Henry Exception Manager.
• Multi-Language Support for JH Conversations Product Overview: This new product collateral details the benefits of multi-language support for JH Conversations.
• Jack Henry Identity (Entra ID Integration): The Jack Henry Identity guide now includes details on integrating with Microsoft Entra ID.

Note: Due to browser behavior beyond our control, PDF links may open directly in this same browser tab.

Please join us at these upcoming events:

• Developer Office Hours: Tues., Apr. 14, 2026 at 11:00 a.m. CT
• Treasury Management Office Hours: Mon., Apr. 27, 2026 at 10:00 a.m. CT
• Digital Banking Meetup: Fri., May 8, 2026 at 11:00 a.m. CT

Released on March 19, 2026, Call-in Verification One Time Passcode (OTP) is an advanced security process that lets end users with Unified Identity Service (UIS) quickly and securely verify their identity when calling your financial institution. Your support staff will find detailed instructions for the process here on the For Clients Portal.

Important: This functionality is intended for UIS end users (primarily Treasury Management users). It is not recommended for financial institutions without UIS. For a refresher on other details we shared in our previous announcement, please see last month’s Statement.

We’ve made a meaningful upgrade to the check capture experience across several of our remote deposit integrations, and your accountholders are going to love it.

Starting in late April, financial institutions using RDA, Alogent, Tranzcapture, and UrbanFT will automatically get access to a new autocapture experience. There’s no configuration, no extra cost, and nothing you need to do.

Here’s what’s changing for your accountholder and staff:

• ⚡ Faster from the start: The check capture client initializes significantly faster than before, so accountholders get into the flow quickly and without the wait.
• 📸 Capture that keeps up: Autocapture detects a clean image and fires automatically, with no button tap required. The whole process moves faster because accountholders aren’t the bottleneck anymore.
• 🏦 Better images, less back office work: Inline prompts, auto flash, and smart image correction work together to produce higher quality check images, which means fewer exceptions, less manual review, and lower operational overhead for your team.

Note: To take advantage of the updated capture experience, users will need to be on version 3.32 or later of the mobile app. No further action is needed on your side to enable this once officially rolled out. Please be aware, however, that this update does not apply to our Ensenta or Vertifi integrations.

For more details, see our iOS App UX Evolution Knowledge Base page.

You can expect our UX design updates on Android to ramp up with version 3.34, as our research and exploration of Material 3 standards is nearly finished. That also means we’re in a better spot to provide more-useful descriptions of what’s to come via our Android App UX Evolution Knowledge Base guide, so be sure to visit that resource regularly.

Banno Marketing Premium customers will now see a few new smart segments – aka, Banno source data segments – based on Banno Data. You’ll be able to target ads and messages based on the client devices used by your accountholders. The new segments focus on users who primarily use Online, Mobile, iOS, or Android devices.

We’re excited to announce a new configuration option that gives your financial institution greater control over the shares and loans your members can view and access. You can now suppress specific shares, loans, and external loans from appearing in Banno, which helps mitigate compliance risks and prevent unintentional collection attempts.

Now available for all credit unions, this feature is driven by the core warning codes your institution already uses. While this is a configuration-driven feature, the settings are managed securely by our Operations team. Please note that this functionality does not include Account Tracking Records (ATRs), as warning codes are not available within those accounts on Symitar.

How to Get Started

To get started, simply create a support ticket stating the specific warning code(s) you’d like to use for suppression, and our Ops team will update your configuration. Once set up, any shares or loans you flag with those warning codes will be hidden from the accountholder.

Flagging History Events

Within Banno People and Identity, your designated staff will soon be able to mark history events as suspicious or fraudulent as well as add notes to aid in any ongoing investigations or when reviewing past events. We’ve developed three related permissions – View labels, Manage suspicious labels, and Manage fraudulent labels – to let your administrators grant access to the ideal staff members.

The ability to label history events is still in progress, and we’re targeting a late April delivery.

In the next few days, members of your team (with the Manage reports permission for Banno Reports) will have the option to request two new reports:

• Merchant status: Lists each merchant (or merchant-to-be), their enrollment status, and actions needed to get them across the finish line if applicable.
• Merchant payment volume: Lists each merchant along with payment types and volumes.

Once available, these new reports can be exported by clicking + Create request on the Reports screen, which is accessed via the ••• (More) menu.

What once required bank intervention can now be completed seamlessly within the platform, reducing administrative overhead and accelerating the payment process for both financial institutions and your customers.

New Payment Option

End users will now see Interest Only as a selectable option in the Payment Options dropdown, alongside Regular Payment and Principal Only.

As the financial landscape evolves, tokenized money (including stablecoins) are shaping a future where traditional and decentralized finance coexist – and financial institutions must be ready. That is why we’re excited to announce a new series of Office Hours with a focus on tokenized money.

In these sessions, our product, strategy, and engineering leaders will share insights and observations on the direction of all tokenized money and demo the working software that we’re building to help you bridge across crypto and fiat monetary systems.

Register now for any or all of our upcoming office hours:

• Tuesday, May 5 at 11:00 a.m. CT
• Thursday, June 4 at 12:00 p.m. CT
• Tuesday, July 7 at 12:00 p.m. CT
• Tuesday, August 4 at 12:00 p.m. CT
• Tuesday, September 1 at 12:00 p.m. CT

We will announce additional dates in future Statements, so stay tuned for updates right here!

Ready to manage plugin cards like a pro?

We’ve added new Admin API endpoints to help you streamline plugin card management. Your team can now use the Admin API to retrieve a user’s plugins or bulk-update access for multiple plugins at once for a given user.

You could create your own automated scripts to call these Admin API endpoints as-needed, thereby reducing operational friction and freeing up your support staff.

Dive into the docs at JackHenry.Dev.

Banno Business users can now enter their personal addresses directly within the app. While this information is currently member-facing only, a future update is planned to provide credit union employees full visibility into these address details as well.

The transition to device-level authentication in Banno Mobile 3.31 initially replaced the in-app PIN screen with more modern, built-in device-level security features (device passcode or biometrics). As you likely know from our SLA communication, we have re-introduced the in-app PIN screen, giving your end users additional optionality. The in-app PIN screen is included in Banno Mobile 3.31.2 – available now for Android and landing for iOS as soon as Tuesday, March 3.

You’ll find supporting documentation for the new authentication flows on the For Clients Portal, toward the bottom of the Banno > Documentation page. Here are direct links to open the PDFs:

• Device Level Authentication User Guide for Android
• Device Level Authentication User Guide for iOS

Here are just a few of this month’s more notable documentation updates. Also, note that due to browser behavior, PDF links may open directly in this same browser tab:

• Unified Identity Service: Learn details related to the new Recovery Email and Phone fields for end users’ security settings.
  Important: Please note that password reset functionality is not yet available to Treasury Management users.
• Stablecoin FAQ: View this helpful FAQ summary document based on questions received during our February 13, 2026 Around the Corner with Greg Adelson meetup, which focused on stablecoins.
• Product Enablement Services: Read, download, and share our new product collateral for Product Enablement Services.
• Rapid Transfers on the Knowledge Base: See newly updated information on our Rapid Transfers page, from helpful link additions and FAQs to surfacing cost information.

We are gathering insights on the steps your financial institution takes when setting up new business customers, specifically regarding how CIF records are established in SilverLake and CIF 20/20 cores. Your feedback will directly influence the development of Banno Business self-enrollment, ensuring that our solution alleviates manual tasks for your team and frees them to focus on higher-priority initiatives.

Please provide your feedback and help us build a solution that meets your needs.

Don’t miss these upcoming events:

• Developer Office Hours: Tues., Mar. 10, 2026 at 11:00 a.m. CT
• Digital Banking Meetup: Fri., Mar. 13, 2026 at 11:00 a.m. CT
• Treasury Management Office Hours: Mon., Mar. 23, 2026 at 10:00 a.m. CT
• Product Security Meetup: Wed., Mar. 25, 2026 at 3:00 p.m. CT

We want to provide an update on the Future Dated Wires feature that we announced, in the December Statement, is coming soon for Banno Business users on SilverLake.

Currently in beta testing, this feature will let your business users schedule wire transfers for a specific date in the future. This is designed to give users greater control and flexibility when managing their business payments, helping them streamline operations and support more effective financial planning.

Look for additional updates here in the Statement and/or the Monthly Digital Banking Meetup as we prepare for the full release!

The verification is performed through the mobile or online banking application using Email or SMS verification. This enhances security by ensuring the caller is who they claim to be. We aim to release this feature mid-March.

As a future enhancement to this UIS-specific feature, we are building toward using High Risk Action (HRA) prompting in place of Call-in Verification; that additional enhancement will completely circumvent the need for your team to ever ask for a code that was sent to the user!

Important: This functionality is intended for UIS users, and therefore it is not recommended for Banno-only financial institutions. For users with access to Banno Messages, we strongly encourage the use of the verification with HRA method.

To reduce operational friction, JH Wires has introduced an Override Account permission to resolve beneficiary account errors. Currently, incoming ISO 20022 messages (pacs.008 and pacs.009) can fail core validation due to malformed account details, even after passing Fed and OFAC screenings. Authorized users can now input a corrected account number, which automatically triggers a validation retry. For full traceability, the system captures all actions in the audit log and retains the original account data for return processing.

In addition, new document capabilities are being delivered to production soon, including the ability to download a PDF of the wire list based on applied filters, as well as an enhanced printed form export that generates a fully populated PDF with all wire details, disclaimer language, and institutional logo. Work also continues on international wire capabilities as part of our ongoing roadmap to expand functionality and support evolving client needs.

iOS – 3.32 Recap

The plans we shared last month for Mobile 3.32 on iOS remain largely unchanged. However, some of the transitional work around the money movement experience – i.e., implementing forms and layout styles consistent with Apple’s new Liquid Glass design system – will be finalized in Mobile 3.33. While users may notice some new UI styles during this transition, the fundamental flows will not be disrupted.

For more details and to learn about other upcoming changes, visit the iOS App UX Evolution Knowledge Base page.

The upcoming Mobile 3.32 release introduces additional support for Passkeys, a major step in enhancing security and the related UX across our digital banking platform (mobile and online). End users have had passkey options during the login process (autofill) since the Mobile 3.28 release, and Mobile 3.29 gave them the choice to use passkeys in place of their password. After upgrading to Mobile 3.32, they can use passkeys as a Two-Factor Authentication (2FA) method and to authenticate during Account Recovery.

With Mobile 3.32, passkeys will also be leveraged for High-Risk Actions (HRA), providing a more secure, streamlined verification method for sensitive transactions or changes in the app.

These enhancements move us toward a cleaner and clearer token management experience for end users. The work also reflects our persistent goal to offer the best, safest authentication methods possible. Passkeys and existing security tokens will be grouped and updated with FIDO-suggested iconography for a clearer user interface. This includes listing passkeys and security keys together in the enrolled 2FA methods list, and we will eventually remove the existing Passkey section from Security Settings.

Note: We are currently working on supporting documentation, which we will provide before Mobile 3.32 is available to download.

To help you boost accountholder engagement and message visibility, the new Promoted Messages and Interstitials feature helps ensure that your most critical information is seen right there on the Dashboard, rather than sent to a crowded inbox. Plus, the ability to include deep links can more swiftly get your users where they need to go.

The feature provides a few key benefits:

• Increased visibility: By delivering high-value, banner-style messages directly on the Dashboard, you can ensure that essential information reaches your accountholders the moment they log in.
• Effective communication: These prominent placements are designed to drive end users to take essential actions, improving the overall effectiveness of your financial institution’s messaging.
• Targeted reach: Your admins can leverage these promoted messages to deliver crucial information to the specific segments that need it most.
• Smooth transitions: By including deep links to app features or external applications, your admins can send the right users to the right spots.

This functionality is included behind-the-scenes with Banno Mobile 3.31. Soon after Mobile 3.31.2 for iOS is available to download (as soon as March 3), we will enable this feature for all financial institutions. Once we do, you’ll see it available in Banno Admin ( → People → Messages) and ready to use – whenever your team is ready!

We’ve modified the Security screens for Banno Online and Mobile, making it easier than ever for your end users to manage their identity and security settings. These enhancements went live on February 24.

Think of the Security screen as a user’s new Identity Profile. The streamlined interface empowers users to handle their own login and recovery options – without needing to call your support team.

Here’s what’s new for end users with UIS:

• Self-Service Recovery: Users can now maintain their own recovery email and phone numbers directly within the app.
• ID Details at a Glance: Users can now view the specific ID details that were collected during their initial enrollment.
• Expanded Access: UIS users who don’t currently utilize other Banno products will now have standalone access to these Security screens.

This update is all about giving your users more control over their digital identity while reducing friction for your frontline staff.

Important: While the Security screens are open to all UIS users, the full Profile screens remain exclusive to your Banno users. Please also note that the password reset functionality is not yet available to Treasury Management users.

Coming soon, your authorized administrators will have the option to suspend inactive digital banking users, when necessary, directly within the Banno People platform. This new feature provides your employees with another tool to assist in maintaining your digital user base.

History Events

Within Banno People and Identity, your designated staff will soon be able to mark history events as suspicious or fraudulent as well as add notes to aid in any ongoing investigations or when reviewing past events. So your administrators can grant access to the right staff members, we’re developing three related permissions: View labels, Manage suspicious labels, Manage fraudulent labels.

The ability to label history events will be rolling out to all institutions in the coming weeks – and you can rest easy knowing nothing will change for your staff until you enable the permissions noted above.

A new Tap2Local campaign is coming to the Jack Henry Marketing Center next month, giving you a turnkey way to promote secure, smartphone-based payments for local businesses.

With emails, social content, digital banners, and more, you can equip your local business accountholders with the power to accept payments – without the headache of extra hardware or extra work for your team.

Data Hub is now Generally Available!

We’re thrilled to announce that Data Hub has officially reached General Availability – and we can’t wait for you to experience everything it brings to your Treasury Management operations. This is your moment to unlock faster insights and operational efficiencies.

Ready to get started? Reach out to your Account Executive today to review contract details and take the next step toward activating Data Hub for your bank. Let the data-powered fun begin!

What pairs well with the Banno Digital Toolkit? Meet the future of core.

Check out the Digital Core API docs to see how we’re unbundling the core and modernizing with cloud-native technology. It’s all about building a flexible, adaptable ecosystem that’s ready for whatever comes next.

Dive into the docs at JackHenry.Dev.

Coming soon, authorized credit union employees will have the ability to restrict member access to specific digital banking features using warning codes configured in Symitar.

By mapping these codes to restrictions in Banno People, your authorized employees can automatically disable features like Zelle®, ACH, wires, and external transfers for memberships flagged with specific status codes.

This feature is currently in closed beta testing; please continue to check the monthly Statement and/or the Monthly Digital Banking Meetup for an announcement regarding its general availability.

As you’re likely well aware from our previous communications, including the December Statement, we’ll soon stop supporting Authy as a 2FA method for Banno Admin. However, we’ve decided to delay Authy removal slightly – until early- to mid-February 2026. That gives your employees a little extra time to enroll in one or more supported 2FA method/s:

• Voice/text
• Authenticator app
• Security keys
• Passkeys

Since Jack Henry Identity now allows multiple 2FA methods, we recommend that users enroll in their preferred method, plus at least one backup method.

Reminder: This will also affect Treasury Management and Jack Henry Platform admins who use Jack Henry Identity for authentication.

Here are a few of this month’s more notable documentation updates:

• Security Profile Enhancements: Learn about the upcoming addition of Recovery Phone and Email fields for UIS users.
• Jack Henry Wires Approval Settings: See details clarifying that only users who belong to an approval group can deny the wire.
• Jack Henry Identity for LoanVantage FAQ: Read the latest on LoanVantage’s move to JHID, including rollout updates.
• LoanVantage Express Product Comparison: Study this net-new comparison of LoanVantage Express and LoanVantage, which also notes requirements and optional items.

In the unlikely event that any bank customers missed the recent letter from the FDIC, we want to call that out and update you all on our associated plans. Given the compliance date has been extended to April 1, 2027, we don’t intend to implement any changes in Banno Mobile or Online immediately. We currently plan to deliver the necessary changes after the first half of the year.

We will, of course, ensure that Banno apps meet FDIC requirements before the April 1, 2027 enforcement date, and we will communicate plans and progress in future editions of the Statement.

Don’t miss these upcoming events:

• Digital Banking Meetup: Fri., Feb. 13, 2026 at 11:00 a.m. CT
• Developer Office Hours: Tues., Feb. 17, 2026 at 11:00 a.m. CT
• Product Security Meetup: Wed., Mar. 25, 2026 at 3:00 p.m. CT
  Note: Be sure to register, as the date of the next Product Security Meetup has changed!

To further enhance our Identity Platform, we’re planning to integrate additional identity providers (IdP). We’ll start supporting Entra ID federation utilizing OpenID Connect (OIDC) in the coming months, although a date is not currently set. In the future we’ll look to support other IdPs, like Okta.

This integration will allow financial institutions the ability to take advantage of Jack Henry’s robust platform security features while still supporting your current Authentication Vendors. A release date isn’t currently available, but we’ll update you as this project progresses.

Important: This enhancement will apply to all products that have implemented Jack Henry Identity. Currently, that list includes everything accessed via Banno Admin, like Treasury Management and Jack Henry Platform.

Enhanced Approval Capabilities

This month, we delivered enhanced approval capabilities that let financial institutions define approval groups tied to specific amount ranges for both incoming and outgoing wires, ensuring that only the right users can authorize transactions at each tier. This brings greater precision to risk management while maintaining the flexibility needed for high-volume wire operations.

Along with what we described last month for the Banno Mobile 3.31 release (slated for early February), our preparations for Liquid Glass and Material 3 continue with the following changes scheduled for Mobile 3.32 (coming early March).“

iOS – Forms

Moving money should feel familiar across the app, from performing an internal or external transfer to sending a wire – all of which utilize form content. Therefore, in version 3.32, we’ll unify how forms look by making inputs (like text fields and date selection) more uniform as well as updating the animations used for presentation and dismissal.

Read more about these and other upcoming changes on the iOS App UX Evolution Knowledge Base page.

As we continue expanding support of passkeys among our applications, we’re wrapping development to allow passkeys as a 2FA option in addition to high-risk actions on mobile devices. Alongside these enhancements, we’ll also support the option to natively enroll in passkeys via mobile devices. All this functionality is targeted for the Banno Mobile 3.32 release in March 2026.

Related reminder: Your mobile app users can already log in using passkeys that they previously enrolled via Banno Online.

Some incremental updates to the Saved Replies experience in Banno Support are now live for your support agents.

These updates focus on visual and layout refinements that make saved responses easier to find, review, and use during conversations. Support agents may notice updated styling in Saved Replies settings, a refreshed Saved Replies menu within conversations, and small layout adjustments such as improved conversation header alignment.

Additional enhancements to Agent Saved Replies, including the ability for agents to manage their own saved responses and copy conversation transcripts, are planned for a future release.

History Events

Within Banno People and Identity, your designated staff will soon be able to mark history events as suspicious or fraudulent, as well as add notes that aid any ongoing investigations (or when reviewing past events). So your administrators can grant access to the right staff members, we’re developing three related permissions: View labels, Manage suspicious labels, and Manage fraudulent labels.

The ability to label history events will be rolling out to all institutions in the coming weeks, and you can rest easy knowing nothing will change for your staff until you enable the permissions noted above.

Available Now

The following enhancements are already live for all financial institutions that have Tap2Local enabled:

• The ability to create Moov tickets from a conversation in Banno Support (for your employees with the Manage Moov tickets permission)
• Moov ticket status updates appear as internal notes within conversations
• Moov tickets can now be clicked to view more details, including full ticket transcripts
• Conversations display a Moov tag complete with a ticket number and status in the case list for easy, at-a-glance review

Tap2Local merchants can build and manage their inventory directly within the app, even adding products with custom names, categories, images, and “modifiers” (like sizes or add-ons) to suit specific business needs.

The new catalog will integrate seamlessly into the checkout flow via a dedicated Catalog tab. Your merchants’ customers can simply tap products to add them to their cart, or they can mix-and-match items with manual keypad entries for total flexibility. With this release, your business owners will benefit from detailed line items and a clear breakdown of every transaction, ensuring that every sale is a fast and transparent experience.

Once released, this feature will automatically be enabled for all financial institutions that are live with Tap2Local; no additional contract or support ticket is required.

We’re excited to share that three major enhancements are on the way to help financial institutions and business customers automate workflows, reduce manual effort, and gain faster access to critical data in Treasury Management.

Check Issue Items via Secure FTP (sFTP)

Soon entering beta, this enhancement lets businesses transmit Issued Items files directly to Treasury Management using sFTP – minimizing manual uploads and reducing the risk of human error. Key capabilities include automated file loading, a new Issued Items File Activity page for viewing and processing files, PDF downloads, notifications, and full use of existing Positive Pay entitlements and mapping tools.

We’re excited to announce the release of three powerful enhancements designed to streamline workflows, improve data accuracy, and deliver more targeted communication across the Treasury Management platform.

Banner and Modal Messaging by Product + User

Released January 15, 2026: The latest phase of our messaging enhancements now allows you to deliver banner and modal communications targeted not only by product, but by user entitlement too. This ensures product-specific messages – such as Positive Pay alerts – reach only the users who are entitled to receive them, improving message relevance and reducing noise.

We’ve identified some common snags that developers hit when using our Simple Plugin Example on GitHub, so we made it easier to understand.

The user interface for the example project now clearly shows two learning paths, and the code feels more like real-world development.

As a bonus, the authentication flow is simpler to follow.

Our Jack Henry Platform customers will soon notice a small-but-helpful improvement to the user interface (UI) when creating permission sets or templates for Authorizations Management Service (AMS) in Banno Admin. After navigating to Users & Groups > Group list, and then clicking the JH Permission Sets tab followed by the Create a permission set button, authorized admins currently select Yes, No, or Deny for each permission in the set.

In an effort to eliminate potential ambiguity going forward, we will replace those values to Grant, Unset, and Block. This is slated to take effect on February 2, 2026.

As addressed in last month’s Statement and in recent Digital and Security Meetups, we are preparing to remove support for Authy as a standalone 2FA method for logging in to Banno Admin.

Your financial institution employees will still be able to enroll Authy as an Authenticator App, and this change won’t impact consumer users who have Authy manually enrolled in this manner. The deconversion is slated for mid- to late-January 2026.

With the rollout of Jack Henry Identity for Banno Admin authentication (login.banno.com), all users are now required to use multi-factor authentication during login. With this protection in place, we have increased the session timeout for login.banno.com to 24 hours.

This change allows financial institution employees to remain logged in for the full duration of the session without interruption. Note that no changes were made to the inactivity timer – if someone is signed out due to inactivity, that will still begin a new session (upon login).

Reminder: Your employees are able to logout of Banno Admin as usual. However, to fully end their authenticated session, they will need to log out of login.jackhenry.com as well. As more products integrate to Jack Henry Identity, this session logout experience will allow your staff to stay logged in across products as they deem fit.

Each complimentary campaign includes customizable emails, social posts, banners, and more, giving you everything you need to promote key digital banking features.

Want a closer look? Join us on January 22 for an exclusive walkthrough of the campaign assets and simple customization process – reserve your spot today!

To ensure accuracy, credit union members’ dashboard will now display their total calculated balance. This includes the principal amount plus any interest due or unpaid charges, ensuring the number on their main screen always matches the actual amount owed.

No support ticket or contract is required. Your accountholders should see the changes live now.

The security of your accountholders’ personal and banking information has always been our top priority. For years, we’ve relied on a PIN code in Banno Mobile as an extra layer of protection for accessing financial data. However, device security has advanced significantly in recent years. Modern phones and tablets now feature dedicated security chips that encrypt and store sensitive data.

To leverage these improvements and enable future enhancements, we are updating our Android and iOS applications in the first release of 2026 (Banno Mobile 3.31) to remove the manual PIN entry screen.

In its place, we will rely exclusively on device-level authentication. Biometric methods like fingerprint or face recognition will be the default, with the device passcode serving as a fallback. Since many customers use this as an option to bypass manual PIN entry today, the transition should be seamless for them.

End users who have opted out of device-level security will be required to log in after five minutes of inactivity. We will also display a message encouraging the setup of device-level authentication, if the end user hasn’t done so yet.

Soon, credit union accountholders won’t have to guess which card they used for a purchase. We are adding the last four (4) digits of their credit or debit card directly to the transaction details screen to help members quickly identify which card was used for each transaction.

No support ticket or contract is needed. Accountholders will see the enhancement once it’s ready for release – likely in mid-January.

Don’t miss these upcoming events:

• Digital Banking Meetup: Fri., Jan. 9, 2026 at 11:00 a.m. CT
• Developer Office Hours: Tues., Jan. 13, 2026 at 11:00 a.m. CT
• Product Security Meetup: Thurs., Feb. 26, 2026 at 3:00 p.m. CT
  Note: This event was formerly named the Digital Security Meetup.

Stay in the Know!

To receive SLA emails for all things that matter to you, please head to our Subscription Manager and subscribe accordingly. Please also spread the word with your colleagues, so your whole team gets the respective SLAs that matter to each of you!

The Banno team has been hard at work to bring your business customers additional wire functionality. Soon, your customers will be able to schedule single wires for a date in the future. As a financial institution, you will also have the option to limit how far in advance your customers can schedule these wires.

Once this project is completed, it will be going through a beta testing period prior to releasing to all SilverLake institutions.

Jack Henry Wires continues to build momentum as we close out the year. Building on last month’s release of expanded ISO 20022 message handling – including investigation, return, and drawdown message types – we have now fully completed the Direct Line Wires (DLW) integration. With this integration complete, JH Wires have started onboarding financial institutions using FedLine Direct, leveraging the full suite of ISO messages already supported to provide a more automated, real-time wire processing experience.

Looking ahead, we continue to make progress in International Wires while working on additional enhancements that will bring even greater flexibility and control. Soon, institutions will be able to define approval groups for each amount range, ensuring only authorized users can approve transactions at specific tiers. Additionally, a new free-text comment field for GL transaction postings will allow notes to flow seamlessly into the core for improved clarity and auditability of the GL transactions that are posted to the GL settlement account.

Our teams responsible for building Jack Henry Wires remain committed to delivering modern, efficient, and compliance-focused capabilities that support the evolving needs of our customers.

As we continue to expand our support of passkeys among our applications, we are actively working on the ability to use passkeys as a 2FA option as well as for high-risk actions on Mobile devices. Your accountholders will also be able to natively enroll in passkeys via mobile devices. These enhancements are currently on track for release with Banno Mobile 3.31 in early February 2026.

As a reminder, your mobile users are already able to login with existing passkeys that have been enrolled Online (as described in release notes for Banno Mobile 3.29).

iOS – Theming and Icons

In this release, we will continue to adjust our color usage to be more purposeful. This will include less noticeable changes such as the dividers used to separate accounts, and more visible changes such as section titles. This version will also introduce the adoption of Apple’s SF Symbols (designed to integrate their system font). The new SF Symbols will replace our existing Banno icon library – including updates to the Transaction Enrichment category icons (as seen here). The latest version, SF Symbols 7, provides additional flexibility with built-in animations and icon styles. In the future, we will leverage these advantages to enhance brand identity in the app.

The long awaited Positive Pay enhancement is getting close. When your business users upload issued item files or manual items, they will be able to enter up to 80 characters for the payee field. This will help decrease exceptions coming back for payee mismatch and let businesses upload items that better match the payee on their checks.

This will be available to Banno Business customers on SilverLake and CIF 20/20 and requires a Host code update to support. We are working to solidify timing on this front, so please look for an update in January!

We understand that business users often face the complex and time-consuming challenge of editing payees within and across large ACH batches – a request from many financial institutions. We listened to your feedback and are thrilled to announce that the ACH Search Recipients feature will be available soon!

This powerful new tool is designed to give your authorized business users unparalleled efficiency and control over their payments. They will soon be able to quickly locate and edit any recipient across ACH batches by searching for a variety of criteria, including name, ID number, batch name, or amount. Whether the business needs to swiftly address a customer-requested change, modify payment amounts or accounts, or process a notice of correction, this feature will ensure they can locate and edit any payment with ease, making their ACH batch processing faster and more efficient than ever before.

No support ticket nor additional contract is required for this enhancement, which will be released on Banno Online for all Banno Business banks and credit unions.

Entitled Treasury Management users will soon be able to transmit ACH files via sFTP! This feature allows users to securely transmit Nacha formatted files, and retains all the same approvals, challenge points, limit validations, and notifications that are in place for manually entered or uploaded ACH files today.

We’ll send an SLA with information on how to contract for this new feature in the coming weeks!

Using this labeled data, we can better identify and block suspicious patterns, and your team can more efficiently conduct necessary investigations.

History Events

Within Banno People and Identity, your designated staff will soon be able to mark history events as suspicious or fraudulent as well as add notes to aid in any ongoing investigations or when reviewing past events. So your administrators can grant access to the right staff members, we’re developing three related permissions: View labels, Manage suspicious labels, Manage fraudulent labels.

To round out the calendar year, we want to leave you with some Tap2Local takeaways you can carry into 2026. Be sure to click the links, as many of them open dialogs with more details.

Need to Know

Our new cloud-native, hardware-free payments solution, Tap2Local, integrates seamlessly with Banno and empowers SMB owners to accept debit and credit card payments in real time. Getting started is lightning quick, too. We’re seeing some merchants enabled in less than a minute from enrollment start!

Once enrolled, merchants will have three ways to facilitate payments, like we’ve seen already from wide-ranging businesses – from auto repair to home renovators to housekeeping to chiropractors and so many more. They will also benefit from true next-day card settlement and from automated reconciliation.

Next up, you need to know where you can tap into demos and details! Here’s your list of key documentation, demos, and webpages:

• Product Overview
• Knowledge Base landing page
• FAQs
• Recorded Demo
• Product Website
• Webpage on Banno.com

An industry-first offering like Tap2Local calls for additional touchpoints as you get rolling. We’ve got you covered with extensive Office Hours and special meetups, which we announce here in the Statement each month.

We built JackHenry.Dev with one goal in mind: to make it as self-serve as possible. This developer-first approach gives you the flexibility to move fast and bring your ideas to life without unnecessary friction or headaches.

Want to go the DIY (Do It Yourself) route? Great, you’ve got everything you need.

Prefer a little extra guidance? You can contract for a Technical Account Manager (TAM) for dedicated expertise when you need it.

Head over to the docs to learn more about the Technical Account Manager program.

This new tab will include all wires in the Ready status awaiting transmit and those in the Approval status awaiting approval by another user.

This enhancement is available now to all Banno Business credit unions, and no additional contract or support ticket is necessary.

To start, if any ISO 20022 required fields are not filled out, Banno will highlight all missing fields. The Amount field has also been moved up higher on the wire form.

These changes help ensure that if a wire is equal to or greater than $3,000, your business users are in compliance with the FinCen Travel Rule and that they can easily identify any additional fields they need to complete. This includes the Building/Street #, Street name, Country subdivision, and Post code fields.

No support ticket or additional contract is needed. The feature is live on Mobile for all Banno Business customers on Symitar, SilverLake, or CIF 20/20, and it will also ship soon for Online.

Within Banno Admin Xperience™ settings, your authorized admins will no longer see the two-factor authentication (2FA) toggle in Group settings – because the 2FA step is no longer optional based on Group controls. Note that 2FA is still required when logging in via a browser.

For Banno Online Xperience™ authentication, the 2FA step is no longer part of the flow when logging in via Xperience.

Both of these changes took effect on October 27, 2025 alongside the release of Jack Henry Identity.

Our new ACH Activity Reporting feature is designed to help credit unions manage and track ACH activity. As described here on the Knowledge Base, this report provides detailed information about all ACH transactions processed within a specific timeframe, and it includes critical data points such as effective dates, batch counts, and item counts for companies processing ACH.

Available now to all Banno Business credit unions on Symitar, this comprehensive report can be used for both regulatory audits and for accurately assessing fees through analysis records, giving you a powerful new tool for managing your business services.

Get ready to make digital engagement easier than ever! Soon, on the Jack Henry Marketing Center™ our Geezeo customers will have access to a new Banno Campaign Collection – four plug-and-play campaigns designed to help you reconnect with inactive users, welcome new accountholders, encourage adoption, and educate through interactive quizzes. Each complimentary campaign, available exclusively for Banno customers with Geezeo^®, includes customizable emails, social posts, banners, and more to help you promote key digital banking features.

Watch for details in next month’s Statement!

As part of our evolving engagement strategy, we aim to improve your marketing experience. Next week, Banno Marketing Premium gets a handful of updates designed to give you more control and better data. Here is what’s dropping:

• Your Ads, Your Real Estate: Don’t love the default ad location? Change it. You can now configure exactly where your ad cards appear in the list, ensuring they land right where your users’ eyes are – whether on mobile or desktop.
• Introducing Smart Segments: Powered by Banno Data, these new segments update daily and appear automatically in your list (look for the Banno chip). Use them to target campaigns and messages with fresh, data-driven precision.
• Say Goodbye to Cropping: We’ve added three new ad templates that scale your images rather than cropping them. Your ads will look crisp, complete, and exactly how you designed them.

Stay tuned for more updates in the coming months.

Don’t miss the latest additions to the Knowledge Base:

• Banno Business Reports (for banks): We moved this info to the Banno Business section. Previously, it was included in the (non Business) “Banno Reports” doc.
• Change Recovery Email and Phone: For Unified Identity Service users, new functionality is currently in beta and coming soon to all financial institutions. Learn more in our Settings and Unified Identity Service docs!
• Jack Henry Wires documentation: Read new info on the following:
• General wire settings
• Tiered approval rules
• Investigation requests
• Supported wire messages
• FAQ on FedLine Direct integration
• Jack Henry Platform Product Overview: We refreshed this product overview with sleek new visuals and additional details.
• Origination Vision Story: See what’s coming down the line and how to get positioned for the future using LoanVantage and OpenAnywhere today. You can also check out this story on Banno.com, via the net-new Lending & Deposits page!

Don’t miss these upcoming events:

• Developer Office Hours: Tues., Dec. 9, 2025 at 11:00 a.m. CT
• Digital Banking Meetup: Fri., Jan. 9, 2026 11:00 a.m. CT (time subject to change)
• Product Security Meetup: Wed., Feb. 4, 2026 at 3:00 p.m. CT
  Note: This event was formerly named the Digital Security Meetup.

Our first three Tap2Local go-live waves are complete! We appreciate the initial insights that so many of you have provided, and you can bet the house we’re using your feedback to further improve the experience across the board.

Tap2Local Enablement

To keep the lift light, all existing Banno Business organizations will be able to enroll in Tap2Local as soon as it’s enabled for your financial institution. After that, you’ll need to enable Tap2Local for each new organization, and its users, that comes online.

Note: Once the Tap2Local toggle has been enabled for an organization (on the Permissions tab of the business profile in Banno People), you should see the corresponding toggle displayed on that organization’s member profiles (under the Tap2Local heading on the Overview tab).

Remember when we said that Jack Henry Identity would pave the way for many more Identity and security improvements? We’re already putting our feet to that pavement! This month’s update includes a heads-up plus two write-ups on changes that are still to come.

Heads Up: New Jack Henry Identity Email Messages

Your financial institution employees should now be receiving new emails for actions such as Inviting New Users, Inviting Existing Users, and Password Reset Instructions, all of which are related to Identity Providers (IdP) such as Active Directory or our proprietary cloud-hosted version.

These new emails come from DoNotReply@jackhenry.com rather than noreply@banno.com. The reason for this change is that Jack Henry Identity is a shared platform service that will be utilized by other Jack Henry products outside of Banno, making these more generic for the integrated products.

Guess who’s back? In case you missed the inclusion of Jack Henry Wires™ in the October Statement or just couldn’t wait for more Jack Henry Wires content in your life, here’s the skinny on our most recent enhancements and upcoming focuses.

Newly Released

You asked, we listened – advanced wire approval settings are here! Now, you can set up approval rules so that higher-value wires require more approvals from authorized personnel at your financial institution, giving you more visibility and control. We plan to further expand this functionality in the future with group-level permissions, so you can give your staff varying approval limits based on their roles.

Our progress doesn’t stop there. We also expanded our support of ISO 20022 message types. Now included are investigation requests and responses (camt.110 and camt.111), return requests and responses (camt.056 and camt.029), and more. Check out the full list of supported message types on our Knowledge Base.

As a precursor to taking advantage of self-service offerings via the Marketplace, you’ll want to first ensure that you have assigned the soon-to-be-released Can Modify Contract permission to a group in Banno Admin. This permission will enable any of your team to execute a contract as presented in Marketplace, so we recommend conscious consideration for which groups this permission is enabled for.

To assign the necessary permission (once it’s released), open Users & Groups in Banno Admin, select the appropriate group, scroll to the People permissions, and select the Can Modify Contract checkbox.

iOS App: Changes in Development

The background and text colors used throughout the app will align to standard system colors in the Mobile 3.30 release.

We will also transition to dismissing screens via the system close button, an xmark enclosed in a circle. Previously, this has been represented with words like cancel, close, and done.

We’re targeting these changes to go live with Banno Mobile 3.30, which is currently on track for release in mid-December 2025.

You saw this announced in our latest Banno Release Notes, but this security win is worth touting again! If an end user has successfully enrolled a passkey for Banno Online, it can now be used for login on Banno Mobile. Remember, passkeys eliminate the risk of phishing and spoofing, making passkeys the most secure authentication method available to protect your accountholders.

The options to enroll a passkey on Mobile as well as use passkeys for 2FA and high-risk authentication are coming soon!

As you hopefully know by now, we’ve scheduled three December sessions for our Jack Henry™ Rapid Transfers + Tap2Local™ Office Hours. These sessions let you see Jack Henry Rapid Transfers and Tap2Local demos and hear directly from key subject matter experts – including risk and compliance team members from both Jack Henry and Moov.

Register now for any or all office hours during December:

• December 1, 2025 12 – 1 p.m. CT
• December 8, 2025 12 – 1 p.m. CT
• December 15, 2025 12 – 1 p.m. CT

Here’s what’s new:

• Product-Specific Messaging: You can now send banner and modal messages to users of selected products, whether those products are active or inactive.
• Flexible Targeting Options: Continue sending messages across all products, or tailor them to specific ones based on product status.
• Expanded Banner Capacity: The platform now supports up to two banner messages at a time. One modal message remains supported.

No support ticket or additional contract (beyond Treasury Management) is required for these enhancements. More information, including details on configuration changes, can be viewed here.

Internal Loan Payments

We’re introducing a new institution-level and company-level configuration option designed to give Treasury banks greater flexibility in managing transfer limits for loan payments. Here’s what you can expect to change:

• When Disabled: Transfers designated as loan payments – including transfers to loan accounts and scheduled loan payments – will bypass transfer limit validation, while still ensuring the debit account does not go negative.
• When Enabled: Loan payments will continue to be validated against transfer limits using the current logic.

Note: Transfers to deposit accounts will always be validated against transfer limits, regardless of configuration.

As promised in the September Statement, our Enterprise WorkFlow (EWF) product will now automatically create the NetTeller ID used for the ESI Product setup.

Additionally, the following products will be automatically onboarded to the Treasury Company:

• Positive Pay, including all eligible accounts
• Wires, including a wire company with matching CIF and all eligible accounts
• Bill Pay and Remote Deposit Capture (mRDC)

For details on how to install these exciting EWF enhancements, check out this guide on the Knowledge Base!

We know the feeling – sometimes, even the sharpest developers hit a snag when building with the Banno Digital Toolkit or simply trying to get signed up on JackHenry.Dev.

When you run into one of those tricky moments and need a quick fix, we’ve got your back! The Developer Relations team has pulled together a Troubleshooting page that covers all the common issues and provides the know-how you need to diagnose and solve them.

Head over to the developer docs to find the Troubleshooting page.

The helpful update we mentioned last month is nearly ready to deploy for all business users on SilverLake and CIF 20/20 cores! Transfer Alerts will be added very soon (likely next week), giving both retail and business users the option to receive a few key notifications about their money movement. Then, they can get notified about failed transfers and expiring scheduled transfers, which means fewer surprises and more peace of mind.

No support ticket is necessary; this feature will be enabled for all Banno Business banks. For details, see the Alerts guide on the Knowledge Base.

We are pleased to announce the full and final completion of the Banno Business alerts rollout! We appreciate your patience as we worked to get this much-anticipated project delivered to all of our SilverLake and CIF 20/20 Banno Business customers.

Your business users now have more control than ever, with a full suite of new alerts covering ACH, Wires, Positive Pay exceptions, and more, all within Banno. This is a huge step forward in enhancing the digital banking experience for your customers. For more information about Banno Business alerts, head over to the Knowledge Base.

Platform Focus: iOS

We’re actively rolling out improvements to the navigation experience on iOS to better align with native patterns and system theming.

Here’s what’s changing:

• Removing custom toolbar options
• Applying body text theme color to toolbar buttons
• Applying system primary color to labels

These updates bring our app in closer alignment with native iOS design standards, improve overall readability, and create a more consistent, familiar experience for users.

This November, we’re launching a new quarterly event designed specifically for C-suite members! Hosted by Jack Henry CEO Greg Adelson and CTO Ben Metz, this meetup will focus on Jack Henry’s efforts to offer your financial institution the tools you need to compete and win using new solutions designed with the SMB in mind – Jack Henry Rapid Transfers and Tap2Local.

Your C-suite leaders will have the chance to discuss shared challenges and hear how Jack Henry executives plan to help our customers flourish in the rapidly evolving digital landscape.

If your executive team didn’t receive the email invitation Greg sent on October 30, please email gotomarketstrategy@jackhenry.com so we can send the invite to the first event on Thursday, November 13.

This enhancement ensures your users have the option to Confirm or Decline ESI enrollments made on their behalf, whether via the ESI Management application, our Mass Enrollment offerings, or the upcoming Auto-Enrollment feature.

As communicated in the SLA sent yesterday (October 30), this impactful enhancement will be enabled for all Electronic Statements – Interactive (ESI) financial institutions after close of business on Tuesday, November 4.

For a sneak peek of this feature in action, check out this brief video.

If your institution is leveraging device blocking, you now have improved visibility into how it’s impacting your accountholders. With this report – which contains a lot of data – you gain insights into:

• Users with blocked devices
• Employees who’ve unblocked devices
• Devices which are no longer waitlisted
• Anchor device verification flows
• More data to help with your investigations

For a full list of the fields available in the export, along with descriptions, see the newly updated Export Reports documentation on the Knowledge Base.

This report is available to all financial institutions today, so head over to Reports in Banno Admin, click + Create Request, select a Date range, and select the Device blocking checkbox under the Security heading to get started.

Like your favorite dentist, we’re skipping the Halloween candy and handing out healthy treats instead. Reach right into our Knowledge bucket and grab the latest docs:

• Digital Banking
• Banno Transaction Enrichments: Added new transaction enrichment details around our native solution.
• Banno Admin Authentication: Updated to reflect changes that will come when Banno adopts Jack Henry Identity.
• Same Day ACH: New details that outline the properties of Same Day ACH.
• Banno Business FAQ: A collection of FAQ updates regarding Banno Business Alerts.
• Account Origination
• Business Accounts in OpenAnywhere: New feature overview in the Account Origination section that details OpenAnywhere’s business account functionality.
• JHA OpenAnywhere: Recent updates to the JHA OpenAnywhere product overview, including support for business accounts, tax-favored accounts, beneficiaries, and internal transfers.
• LoanVantage API: New feature overview that covers the API functionality available in LoanVantage today.
• Jack Henry Platform
• Jack Henry Platform: New landing page for current and future components of the Jack Henry Platform.
• Jack Henry Wires: New documentation on Jack Henry Wires functionality.
• Jack Henry Identity: Reorganized content that distinguishes between cloud-hosted and Active Directory integrations.
• Unified Identity Service: New FAQ section at the bottom to address why security settings may differ in the Identity app vs. Banno People.

Important reminder: Visit Help Center for how-to guides on all your Jack Henry products!

Don’t miss these upcoming events:

• Product Security Meetup: Wed., Nov. 5, 2025 at 3:00 p.m. CT
  Note: This event was formerly named the Digital Security Meetup.
• Developer Office Hours: Wed., Nov. 12, 2025 at 11:00 a.m. CT
• Digital Banking Meetup: Fri., Nov. 14, 2025 at 11:00 a.m. CT

Here’s the breakdown:

• Learn about high risk action blocking in general here.
• Prep your teams to verify and unblock devices with this.
• Educate yourself on anchor devices (and restrictions) yonder.
• New: Deeply understand the anchor device verification experience with this overview accessible via For Clients.

If you haven’t taken advantage of the high risk action blocking features yet, it’s time to reassess. Here are a few reasons:

• Over 200 institutions leverage the Waitlist setting, another 100-plus Block all new devices, and a growing list of over 50 institutions have taken the plunge to Anchor device verification.
• We continue to hear amazing success stories of these settings reducing account takeover fraud dramatically!
• While these features introduce friction, it’s important to recognize that it’s a healthy friction, and several institutions have said that most of their blocked users are grateful for the added security.

Ready for a deeper, purposeful connection with your accountholders? The Jack Henry Engagement Platform will soon light the way. This consolidated toolkit is designed to personalize communication, transforming it into relevant engagement.

Here are a few ways this strategic solution will help you build loyalty and drive growth:

• Promoted Messages & Interstitials: Deliver high-value messages instantly as prominent banner ads on the Dashboard.
• Configurable Ad Placement: Gain flexibility by placing ads in specific spots across the accountholder dashboard.
• Self-Service Forms: Accountholders can find, fill out, and submit common forms without FI staff intervention.

Note: The Configurable Ad Placement feature will be available with Banno Marketing Premium, which is described on page 4 of the Banno Marketing product overview.

As previously communicated, the Banno Admin login URL was migrated to our new Jack Henry Identity Platform login URL on October 27th, 2025. This change impacts the login experience for your administrators, who will now get redirected to the Jack Henry branded login page.

Important: Please do not bookmark the new login.jackhenry.com URL, as you will only access Profile and Security settings for that user. Please be aware that 2FA will be required at initial login. This does not impact the Xperience SSO functionality or the 2FA requirements associated with this permission.

Upcoming Features

Direct Line Wires provides users on the Jack Henry Platform with a direct, real-time solution for transmitting wire transfers and receiving acknowledgements of the transmittal. This provides a seamless, less manually intensive capability for ensuring that wire transfers are processed more efficiently and expeditiously.

iWires gives users on Jack Henry Wires the ability to send wire transfers to international financial institutions. This feature will be available by contract as a powerful add-on for Jack Henry Wires.

Enhanced Approvals allows for increased flexibility in configuring the number of approvals required for a wire transfer, based on the transfer amount. Watch for this enhancement to be available with Jack Henry Wires soon!

Please be advised that both Google and Apple are updating their minimum supported mobile device Operating System (OS) levels. We will account for these changes in Banno Mobile version 3.29, which is currently slated for release the second week of November. Once released, our Android app will be supported on devices with Android OS 10 or later, and our iOS app will be supported on devices with iOS 18.4 or later.

If you missed the October office hours for Jack Henry™ Rapid Transfers, it’s not too late to sign up for our new November and December sessions. In these sessions, we’ll be covering both Jack Henry Rapid Transfers and Tap2Local™ with Jack Henry and Moov subject matter experts. We’ll even have risk and compliance team members there to answer all your questions.

Here is the full 2025 schedule for the recurring office hours:

• Register for any or all November sessions:
• November 3, 2025 12 – 1 p.m. CT
• November 10, 2025 12 – 1 p.m. CT
• November 17, 2025 12 – 1 p.m. CT
• No session for the holiday week: Happy Thanksgiving!
• Register for any or all December sessions:
• December 1, 2025 12 – 1 p.m. CT
• December 8, 2025 12 – 1 p.m. CT
• December 15, 2025 12 – 1 p.m. CT

We hope to see you there!

We’re excited to share that we are on track to deploy our integrated Same Day ACH feature for Banno Business during the second week of November. This means your bank will no longer need to use a separate SSO into NetTeller for Same Day ACH origination!

Once the necessary configuration controls land in Banno People, you can self-enable the feature immediately by following these quick steps:

At long last, we are close to releasing the introduction of Recovery Email, Recovery Phone, and ID Name settings within Mobile and Online screens, separate from core or product-specific details. This allows for distinct contact information for account recovery/security versus alerts and notifications to better support our credit unions using our solution for joint users.

This will not impact Banno Retail consumers upon initial release; however, the changes will be coming for those users in short order. Please be on the lookout for more details coming soon!

You shouldn’t have to piece together solutions with duct tape and a prayer. That’s why we’ve bundled the most powerful tools in our service & support arsenal into one unified offering – with each piece also available as an individual add-on, giving your financial institution the flexibility you want.

The new Support Suite for Jack Henry Conversations isn’t just a collection of features; it’s a seamless, core-connected system that lets your team deliver personal, high-touch service while drastically cutting down on resolution times and operational friction. It’s everything you need to know, see, and connect with your accountholders, no matter the issue or the language.

As you’ll see in the sub-sections below, the Support Suite includes a comprehensive set of capabilities that transforms service from a necessary expense into a core value proposition.

Key information is clearly presented to support informed decision-making, including:

• Original Loan Date & Balance
• Maturity Date
• Interest Rate
• Current Payoff Amount (with the date it’s valid through)
• Interest Paid Year-to-Date

Additionally, users can view billing breakdowns such as:

• Principal
• Interest
• Escrow
• Late or Other Charges

The days of cross-referencing the Check Exception Report in Treasury Back Office will soon be a thing of the past! We’ll be transmitting return reason codes to SilverLake, enabling you to handle exceptions more accurately and efficiently.

This process reduces manual effort and streamlines the reprocessing of checks – distinguishing between those eligible for redeposit and those that are not. Additionally, these codes are vital for reporting and analytics, helping banks identify exception trends and enhance fraud detection strategies.

We’ll send an SLA when this enhancement is available.

We know that diving into the documentation is essential for mastering the OpenID Connect (OIDC) authentication flow. We also understand a key advantage of OIDC is the simplified configuration for developers when an Identity Provider supports OIDC Discovery.

You can apply this OIDC Discovery capability directly to your project. Head over to the developer docs to see the magic in action and make your integration even smoother.

As our customers who opted for the October rollout wave have seen, the Transaction Enrichment feature is a powerful addition for accountholders. Once enabled, here’s what to expect:

• Clearer Transactions: Confusing transaction memos are replaced with clear merchant names when the merchant can be identified.
• Logos and Icons: Merchant logos are displayed in the transaction history. If a logo is unavailable, a category-specific icon is displayed instead.
• Enrichment Edits: Accountholders can edit both the memo and the category at the transaction level, on the transaction detail screen. The edits apply on a per-transaction basis and aren’t reflected on subsequent transactions.

A useful enhancement is coming soon to all banks on SilverLake and CIF 20/20 cores. A small but mighty addition, Transfer alerts will help both retail and business users keep an eye on their money movement. Your accountholders will soon have the option to get notified about a few key activities, like failed or expiring scheduled transfers.

Once this enhancement is ready, we will enable it at the global level. No additional contract or support ticket is required.

All members can now choose to either edit the original template should they need to – or – create a new wire from the original template, make any necessary changes, and send it off, all without impacting the template.

This enhancement is for our Banno Business credit unions on Symitar (without NetTeller), and no support ticket is necessary – this is already live and working.

We’ve heard your feedback regarding the new Account Details Configuration feature in Banno People and are excited to announce an upcoming enhancement designed to bring more clarity to the process for both banks and credit unions. We understand there was confusion about when your configured changes would appear in Banno.

In an upcoming release, Banno People will be updated to provide clear, real-time status information. If the feature has not yet been enabled for your institution, the screen will now instruct you to contact Jack Henry support to finalize activation after you save your settings. For institutions where the feature is already active, you will receive a confirmation message letting you know your changes have been applied and will be visible to your users. This update will eliminate any guesswork, ensuring you always know the next step to take.

With anchor device verification, you can block high-risk actions on all new devices yet allow accountholders to unblock their own devices – reducing the need to contact your institution. Additionally, the very first device each net-new accountholder uses to sign in will be designated as their anchor device, allowing them to make necessary profile changes and fund their new account smoothly.

This setting was made available to all institutions earlier this month. Once you get familiar with the functionality and learn more about managing anchor devices, give it a go whenever you’re ready! No contract or support case is needed; your employees with the Manage security settings permission are empowered to enable it from Banno People > Security > High risk action blocking at any time.

Note: Even with anchor devices in the mix, it remains imperative to prepare your support teams to verify users and unblock devices manually as a fallback.

Here’s what you can expect to see as we iteratively embrace the new standards over the next few mobile releases:

• Faster, simpler customization – i.e., we can release design enhancements more quickly!
• A fresh, native design on both platforms
• Quicker rollout means new features and OS compliance updates reach your users faster, with less rework and risk
• Stronger performance and accessibility

The result: A modern, reliable app that keeps your brand current and your end users engaged.

Stay tuned for more details in next month’s Statement, as we’ll be taking a deeper dive to ensure that you’re ready for the new iOS and Android design standards.

As announced in the SLA sent on September 8, with the upcoming deployment of Banno Mobile version 3.28, we’re taking an important step to ensure a secure and seamless experience for your end users.

Mobile version 3.28 is slated for release in mid October, and the minimum supported version for the Banno App will become 3.25 soon after – we’re targeting the end of October. At that point, end users on versions older than 3.25 will be required to update their application to continue accessing the app. Alternatively, they can use their mobile browser to access Banno Online until your financial institution upgrades to the latest version of our mobile app.

This change ensures that all users benefit from crucial security updates – such as the new Federal Reserve ISO 20022 compliance requirements – and ongoing enhancements, which provide users with a more seamless and modern experience.

Good news for Banno Business customers! We’ve made it easier for your business owners and administrators to manage their users on the go, directly from their mobile device. They can now hold, unhold, unlock, or delete users, as well as send a password reset link – all without needing to log in from a desktop. This update gives business admins more control and convenience, so they can handle user maintenance no matter where they are.

This feature is available to all Banno Business banks and credit unions. No additional contract or support ticket is required.

This means your administrators can complete the entire setup process for new business users within People, from creating the user to granting access to the appropriate accounts and permissions. For details, check out the documentation on Help Center:

• Creating an organization user (People)
• Editing an organization user’s permissions (People)
• Inviting a user to an organization (People)

Please note: The links above will become outdated the next time the guides are edited. At that point, you can use this link to open Help Center, filtered to Banno guides and search the article titles above to find the current versions.

You can also find more documentation about managing business users on the Knowledge Base, in our User Management article.

This feature is available now to Banno Business banks on SilverLake and CIF 20/20 (and was already available previously to Banno Business credit unions). No additional contract or support ticket is needed.

Here are some of the recent updates you’ll find on our Knowledge Base:

• Tap2Local: Review detailed information on Tap2Local, our new cloud-native, mobile-first payments solution!
• Jack Henry Rapid Transfers FAQ: Find newly added answers, including info on end user fees.
• Jack Henry Data Hub: See new info, like details on data access.
• Banno Business FAQ: Read all our latest answers to Banno Business questions, including clarification regarding forced alerts.
• Deep Link Routes: Learn about deep links in this net-new doc.
• Two Factor Authentication FAQ: Find new answers to questions about 2FA.
• External Applications: View new info, including the purpose of the Account Relationship field.

Important reminder: Visit Help Center for how-to guides on all your Jack Henry products!

We are excited to announce that EDI (Electronic Data Interchange) transaction details are now available within Banno. For Banno Business banks (SilverLake and CIF 20/20 cores) that are currently contracted to use EDI details in NetTeller, this new feature extends that same functionality to your Banno Business users, creating a more consistent and feature-rich digital experience.

This enhancement allows your end users to search for transactions containing EDI information and download the associated data file directly from the transaction details screen. To ensure a valuable experience from day one, we began collecting EDI data within Banno on September 5, 2025. When the feature is enabled, applicable transactions going back to that date will have EDI data available.

To activate EDI Transaction Details for your institution, please open a ticket for Banno Business support.

Don’t miss these upcoming events:

• Digital Banking Meetup: Friday, Oct. 10, 2025 at 11:00 a.m. CT
• Developer Office Hours: Tuesday, Oct. 14, 2025 at 11:00 a.m. CT
  Note: This event was formerly named the Digital Toolkit Meetup.
• Product Security Meetup: Wed, Nov. 5, 2025 at 3:00 p.m. CT
  Note: This event was formerly named the Digital Security Meetup.

We’re excited to announce that passkey support will be included in the next Banno Mobile release! Our Android and iOS teams are actively working to implement login with an existing passkey as part of Banno Mobile 3.28, making end-user access to banking services even more secure and convenient.

The updates will streamline the passkey enrollment process and strengthen the security protocols for your login. While these changes are behind the scenes, they lay the groundwork for a more robust and user-friendly authentication experience in the near future.

Note that we are currently targeting a mid-October release for Banno Mobile 3.28.

Available soon for Banno Online, this enhancement to Unified Identity Service significantly improves security and the user experience by making passkeys the primary two-factor authentication (2FA) method for High-Risk Actions. Once released, end users will see passkeys and FIDO security tokens grouped together for easier selection.

The update also enhances 2FA management, including intuitive enrollment and seamless passkey synchronization across devices. We expect Online passkey support for 2FA to land in early October, with Mobile enhancements following shortly!

If you haven’t yet enabled Jack Henry Rapid Transfers for lightning-fast me-to-me payments, now is the perfect time to get started! Still have questions or need more clarity before launch? Join our live office hours with the product team!

Here’s what these sessions are all about:

• Getting answers to your product-specific questions
• Addressing anything that might be holding up your progress
• Ensuring you get what you need ahead of launch

Here are the upcoming sessions you can join next month, using this single link to register:

• October 14 at 12:00pm CT
• October 20 at 12:00pm CT
• October 27 at 12:00pm CT

We’re excited to see you get started and want to make sure you have everything you need along the way.

We are thrilled to inform you that soon we will bring the Same Day ACH origination feature to Banno Business. As your financial institution and business users are well aware, Same Day ACH is no longer a luxury – it’s a necessary tool for large businesses and SMBs alike, with recent data showing a 15.1% increase in the number of payments and a 22% rise in their total value compared to last year.

The Same Day ACH feature will provide our Banno Business customers on SilverLake and CIF 20/20 all the essential functionality you’re accustomed to in NetTeller, allowing your business users to take advantage of faster payments without leaving Banno. Soon, you can service all of your business users’ ACH needs seamlessly within a single, modern platform.

Closed beta testing for Same Day ACH is going well, and we will share more details in the coming weeks as we prepare for the full launch.

An absolute landscape changer, Tap2Local levels the playing field for your financial institution and the small and medium-sized business (SMB) owners you serve. How? Tap2Local integrates seamlessly with Banno, letting SMB owners accept debit and credit card payments in real time, with nothing more than their handy iOS or Android device.

Enablement Plan and Go-Live Signup Form

To help ensure that Tap2Local is introduced to your business owners in ideal fashion, we will enable this solution in a series of carefully executed go-live waves during October, November, December, and possibly into early 2026. So we can slate each financial institution into the best wave available, we need to know your preferred go-live timing. Please complete this Go-Live Signup form right away, so we can parse requests and plan each wave.

We will meet as many requests as possible while also ensuring that each wave includes a manageable number of financial institutions, so that we can provide proper support. After we receive responses to the Go-Live Signup form, we will determine the optimal wave in which to include your financial institution. Once we have our plan in hand, we will send an SLA specifying when you can expect to roll out Tap2Local, so that you have time to create your plan, too.

Keep your peepers peeled for exciting and time-saving additions to the Treasury Business Onboarding template in EWF! Additional products include Wires, mRDC, Bill Pay, and Positive Pay products.

We’ll send an SLA with more details when these products are available in Enterprise Workflow.

Effective September 5, the list of eligible approvers for a payment has been refined to display only the users who are eligible to approve that specific payment, versus a global list of users with approval rights.

For example, if a user is entitled to approve transfers with a limit of $100.00, and the payment under review is $500.00, that user will no longer appear as an approver – since the payment exceeds their approval limit.

Treasury mobile users will soon be able to save a newly created transfer as a template! When the transfer template is confirmed, it will be available to view or use in the template list and can be modified in mobile or in channel.

An SLA will be sent when this enhancement has been released.

In the August 2025 monthly statement, we mentioned Jack Henry Identity – our new, centralized Identity Provider (IdP) Platform service.

Jack Henry Identity uses top-tier security standards, including OAuth 2.0 and OpenID Connect (OIDC). This means your staff can securely and easily log in to Banno apps like Banno People, Banno Support, and Banno Marketing, as well as other Jack Henry products.

Explore the developer docs to understand how your developers can integrate with Jack Henry Identity.

Say goodbye to extra support tickets and phone calls from users who are looking to update their contact details! Now, Banno Business users can update their own username, email address, and phone number directly from their profile settings. This new update helps reduce the need for users to contact their bank for simple changes, making it a win-win for everyone.

Note: For institutions already live with Banno Business alerts, users have already been granted the ability to edit their email address and phone number.

Important: Previously in Banno, cash management users were shown the organization’s phone number by default. With the release of the feature allowing business users to edit their own user details, the display of the organization’s number was removed. As a result, if a business user has not entered a personal phone number (on their Settings > Profile screen), no number is displayed – therefore, their alerts cannot be sent. Once the user adds a personal phone number, they should receive alerts as expected.

Now that we’ve had several customers using anchor device verification for a few weeks, we’ve begun the process of enabling it for everyone. We are working behind the scenes to designate anchor devices and get this configured in preparation of releasing the new setting for all institutions in September, after Jack Henry Connect!

After several months of beta testing and refinement, we’re pleased to announce that our Banno Business banks will soon have the option to configure and enable Banno Business Reports. When enabled, business users will have access to numerous business reports (matching what’s available in Cash Management) with the enhanced Banno experience:

• Activity
• Current day and Prior day
• Electronic Data Interchange (EDI) transactions
• Positive pay
• Summary

As announced in the SLA sent on August 19, all Banno Business banks (SilverLake and CIF 20/20 cores) will be migrated to native Banno Business alerts by September 30 October 7*, and the migration has already been successfully completed for many of our early adopters. For those of you we haven’t converted yet, we will send one last SLA letting you know the specific migration date for your institution.

*Note: This date is 1 week later than the completion date we’ve communicated previously. With Jack Henry Connect 2025 happening September 8 – 11, we have decided to push back the migration schedule by 1 week (for each wave of institutions) to ensure that our digital banking leadership team is available to oversee a smooth transition. [This note was added on September 5.]

Once your bank has been migrated, your business users can set up alerts for a variety of activities such as ACH, Wires, and Positive Pay exceptions, all in one convenient place.

Additionally, retail users at banks with Banno Business will also have access to new alerts, such as notifications for insufficient funds, loan matured, and incoming ACH credits and debits. This means your customers can customize their notifications for important financial activities and stay informed directly through Banno.

For a refresher on the details of our Business alerts migration for Banno Business banks, see our Banno Business alerts FAQ.

Reminder: All Banno alerts are now sent over the Enterprise Notification System (ENS), our centralized platform that provides additional security and paves the path for future enhancements such as Rich Communication Services (RCS) messages.

As stated last month, earlier this August we released a new way for you to verify your call-in users – removing the need to ask for a one-time passcode. Instead of sharing a code over the phone, accountholders will be prompted to complete an in-app high risk challenge. Upon successful completion of the challenge, they’ll be verified and you’ll see that confirmation in Banno People.

This new option works in tandem with our high risk action blocking features as well, as blocked devices won’t be able to complete the challenge. For more information on this and other high risk action details, visit our Knowledge Base.

Remember, this enhancement is not intended for users who are locked out of their digital banking. If a user calls in because they are locked out (and therefore cannot verify via an in-app high risk challenge), we encourage the use of account recovery to regain access.

Important: This change does not apply to Treasury Management, including Treasury Management banks with Unified Identity Service.

Catch up with the latest documentation on our Knowledge Base:

• Identity: We’ve overhauled our Identity documentation to include details for all use cases, whether consumer (Unified Identity Service) or enterprise (Jack Henry Identity)!
• Jack Henry Identity: Drilling further into the Identity docs, you can check out the brand new, detailed article dedicated to enterprise authentication.
• Adding a Passkey: See new details on enhanced Passkey support for Banno Online and Treasury Unified Identity Service users!
• Banno Business Banking FAQ: We’ve further updated our Banno Business FAQ, including new details about Banno Business alerts!
• Enterprise Workflow Onboarding: We’ve added a new document walking through the steps to onboard a new Business organization via Enterprise Workflow.

Important Reminder: Visit Help Center for how-to guides on all your Jack Henry products!

With Jack Henry Connect around the corner, we won’t have our usual events next month. But you can save your seat for the next round now:

• 2025 Jack Henry Connect: Sept. 8 – 11, 2025 in San Diego, CA
• Digital Banking Meetup: Friday, Oct. 10, 2025 at 11:00 a.m. CT
• Developer Office Hours: Tuesday, Oct. 14, 2025 at 11:00 a.m. CT
  Note: This event was formerly named the Digital Toolkit Meetup.
• Digital Security Meetup: Wed, Nov. 5, 2025 at 3:00 p.m. CT

Stay in the Know!

To receive SLA emails for all things that matter to you, please head to our Subscription Manager and subscribe accordingly. Please also spread the word with your colleagues, so your whole team gets the respective SLAs that matter to each of you!

What’s the opposite of an identity crisis? Well, our handy thesaurus wasn’t much help with finding the perfect antonym, but as we work to integrate Jack Henry Identity into the Banno Platform, Jack Henry Platform, and beyond, we think you’ll agree that the positive impact and streamlined authentication processes are invaluable!

Jack Henry Identity at a Glance

Meet Jack Henry Identity – our new, centralized Identity Provider (IdP) Platform service. Soon we will implement Jack Henry Identity for additional Jack Henry products, adding more over time, until our new IdP lets us provide a universal entry point (complete with universal credentials) to Banno Admin, Jack Henry Platform, and all your Jack Henry back-office products!

Built with preeminent industry standards, such as OAuth 2.0 and OpenID Connect (OIDC), Jack Henry Identity ensures the highest security protocols for authentication. In other words, it will let your staff securely, conveniently access Banno People™, Banno Support™, Banno Marketing™, and other apps within Banno Admin as well as key products we offer separately from Banno.

How It Works

On the Banno Platform, cardholders can link an external debit card to push or pull funds instantly for a range of purposes, like consolidating balances from digital wallets, funding a newly opened account, or good ol’ fashioned cross-institution transfers!

In other words, rather than waiting days for such transfers to process over traditional ACH rails, Jack Henry Rapid Transfers empowers your debit card holders to complete Me-to-Me transfers in mere seconds, letting them solve immediate access needs, well, immediately.

We’re hosting a webinar with Visa to show how Jack Henry Rapid Transfers™ is transforming real-time money movement. This session will explore how Jack Henry Rapid Transfers – enabled by Visa Direct – can help financial institutions meet rising consumer expectations for fast, seamless payments.

Stay tuned for registration details!

A key enhancement is the introduction of Recovery Email, Recovery Phone, and ID Name settings within Mobile and Online screens, separate from core or product-specific details. This allows for distinct contact information for account recovery and security versus alerts and notifications. Be on the lookout for these additional fields to be released – in Banno and Treasury Management – in mid-October!

Soon, you’ll be able to request that the Treasury Mobile Experience be made available in the app stores! This gives your Treasury app the common presence users are accustomed to, allowing for intuitive downloading and access. Even though present in Google Play (Android) or App Store (Apple), it is still a progressive web app, meaning once downloaded it will not require updates for new features or fixes.

Look for an SLA with more information on the request process!

Just a quick tap of the Organize Dashboard button at the bottom of the screen will open the config where users can tap & hold, then drag & drop widgets to their preferred location. Tapping the plus sign will allow users to add additional available widgets.

Impactful updates have been made to the use of passkeys with Treasury Management! Users can now authenticate with a passkey without having to first enter their username.

Information on this change is available on the Treasury Management site in the For Clients Portal.

Banks have the ability to see attachments added to comments via the Positive Pay Check Exceptions back office report. Attachments added to correction forms can be viewed by the bank in the Message Center.

For more information on this new enhancement, check out the Quick Reference Guide on the Knowledge Base.

When it comes to securing server-to-server communication, the OAuth 2.0 Client Credentials Flow is a trusted standard for backend authentication.

It’s purpose-built for scenarios where no user is involved – like automated jobs, system-level integrations, or privileged API access between trusted applications.

This flow eliminates the need for user credentials altogether, relying instead on signed JWTs and secure key pairs to authenticate and authorize access.

Explore the guide to understand how it works, when to use it, and how to implement it with poise and precision.

Something special is on the horizon for our Banno Business customers on SilverLake and CIF 20/20 cores! Soon, business users will be able to update their own digital banking username, email address, and phone number directly within Banno without needing to contact your bank personnel. This will give your business users more control over their personal information and reduce the number of support tickets for your team. It looks like things are about to get a little easier.

Important: If your bank is already live with Banno Business alerts, please be aware that your business users have already been granted the ability to edit their email address and phone number.

We are excited to announce the release of our new Account Details Configuration feature for all financial institutions. This powerful new tool gives you direct control over the information your users see on the account details screen. Available now in Banno People (Settings > Accounts), you can customize the fields to best meet the needs of your institution and your accountholders.

When you have finalized your settings and are ready to make the new configurations live for your users, simply open a support ticket requesting activation.

If you’ve been eagerly awaiting the anchor device verification feature, which will enable you to block high risk actions while minimizing friction for legitimate users, know the wait is almost over! Early next month, a handful of early adopter institutions will roll it out to their accountholders, and we’ll watch it closely ahead of a broader rollout to all institutions. Note that you’ll begin seeing the Anchor device designation in devices lists soon as we prepare to make this feature available. This doesn’t mean the feature is enabled, rather that we’ve started assigning anchor devices.

You can look forward to having this setting at your fingertips very soon, so stay tuned for that final announcement!

Get ready to set your notifications, because a highly anticipated feature is finally here! We’re thrilled to announce that our Business Alerts will start to roll out this July for Banno Business banks on SilverLake and CIF 20/20. The feature will give your business users more control over their financial insights directly within Banno. This means no more waiting in suspense for key account activities like ACH, Wires, and Positive Pay exceptions, as they’ll soon be able to customize their alerts for these and more!

Keep an eye on your inbox, as you’ll receive a communication with the exact timing of your migration date. In the meantime, see the new Business Alerts doc and explore these FAQs for all the exciting details.

Instead of sharing a code over the phone, accountholders will be prompted to complete an in-app high risk challenge. Upon successful completion of the challenge, they’ll be verified and you’ll see that confirmation in Banno People. This new option works in tandem with our high risk action blocking features as well, as blocked devices won’t be able to complete the challenge. For more information on this and high risk action blocking, visit our Knowledge Base.

Once we have completed the rollout, this feature will replace the one-time passcode option to verify a call-in user in Banno People. There is no contract required for this feature. In July, we released this to an initial wave of early adopters. Next up, we will release it for the wave of early adopters who selected August 5 as their enablement date. Finally, we will enable the feature for all other institutions on August 19, 2025.

Catch up with the latest documentation on our Knowledge Base:

• Security: To avoid potential confusion due to duplicate content, we’ve streamlined the Security landing page and provided links to additional information presented in categorized articles.
• Permissions: Read all about numerous new permissions, now organized more logically, so you can find the info you need without needless digging.
• Business Alerts: See our newly added documentation for Banno Business alerts, including this set of frequently asked questions. Remember, this feature is rolling out in phases.
• Users & Groups: Read updated information, including how to edit and delete users.
• User Management: We’ve added information on pulling lists of Business users.

Important Reminder: Visit Help Center for how-to guides on all your Jack Henry products!

This change makes passkey functionality accessible to a wider range of users and their varying devices.

The original passkey implementation was primarily designed for built-in biometric authenticators and restricted the display of the passkey option to the same device where it was registered. That approach posed limitations for users who wished to manage multiple passkeys or access their accounts from various devices.

The new, refactored approach delivers a more flexible and user-friendly system, allowing users to register and manage multiple passkeys for their accounts – on Treasury Management (with Unified Identity Service) and Banno.

Here are a few important things to remember this month.

Upcoming Events

Register now for these upcoming virtual meetups and events:

• Digital Banking Meetup: Fri., Aug. 8, 2025 at 11:00 a.m. CT
• Developer Office Hours: Tues., Aug. 12, 2025 at 11:00 a.m. CT
  Note: This event was formerly named the Digital Toolkit Meetup.
• Digital Security Meetup: Wed., August 13, 2025 at 3:00 p.m. CT

Stay in the Know!

To receive SLA emails for all things that matter to you, please head to our Subscription Manager and subscribe accordingly. Please also spread the word with your colleagues, so your whole team gets the respective SLAs that matter to each of you!

You may be relieved to know that we’re overhauling our IdeaLab process to address your feedback and find a balance between structured submission and open innovation. To kick things off, we’re launching the 6-Month Idea Submission (6MIS) Trial.

The trial period aligns with our upcoming 6-Month Roadmap cycle and includes eight campaigns – 4|Sight™, Banno™, iPay Business Bill Pay™, JHA PayCenter™, PayRailz®, Symitar®, Synergy, Synergy eSign™ Suite.

For more details on using these more-granular controls, check out the Permissions documentation on the Knowledge Base.

Well fam, the cutover to ISO 20022 is officially in the rearview! Everyone survived relatively unscathed. 😮‍💨 Before we turn our eyes to the road ahead, we want to acknowledge all the effort that your financial institutions, and sooo many dedicated Jack Henry folks, invested to make the transition an overwhelming success.

The switch to ISO 20022 was a pressure-packed, complex undertaking that involved many distinct yet interdependent components. Through intense focus and a deeply collaborative spirit, the changes unfolded as seamlessly as possible.

As Shanon McLachlan (our Senior VP and COO) said in his follow-up email, “we handled it the only way we know how at Jack Henry – as a team.” That One Jack Henry team includes you and yours! Together, our collective support teams did what they do best. They demonstrated remarkable agility and skill, resolving an impressive 1,308 cases across all four Jack Henry cores and the Jack Henry Platform Wires product on day one.

We also recognize the impact that high volume of cases had on your business users and your support staff, and we really appreciate the partnership you all showed in working through each case together to ensure that we make things right for all, as quickly and (mostly) painlessly as we could.

All things considered, this colossal shift marks a serious win for us, the institutions we serve, and your business users. For that, we thank you!

Meet our new Jack Henry 1071 Module, which helps any of our financial institutions meet the data collection and reporting requirements mandated by Section 1071 of the Dodd-Frank Act with a secure, user-friendly module that simplifies the compliance process for Jack Henry core clients.

Available to banks and credit unions using any Jack Henry core system, this comprehensive solution includes tools for digital data collection, controls that help you meet the CFPB’s “firewall” requirements, data scrubbing capabilities, and reporting features that help banks and credit unions with their 1071-related compliance requirements.

We’re thrilled to announce the second-ever Jack Henry Developer Conference, happening at the Palace Arts Center in Grapevine, Texas on February 23 – 24, 2026.

This isn’t your typical conference – it’s designed specifically for developers, with cutting-edge technical sessions, hands-on workshops, and expert insights tailored to those who thrive on innovation and tech solutions. Whether you’re with a bank, credit union, fintech, consulting firm, or vendor, if you’re craving deep technical content, this is where you need to be!

But act fast. Registration is open now, and spots are filling up quickly. Don’t miss your chance to secure your seat at this amazing tech event!

Here’s the thing: you shouldn’t have to be a full-time marketer to answer that question. That’s the idea behind the newly refreshed Jack Henry Marketing Center™ – a complimentary resource full of professionally designed assets that can help you get the word out. In the Marketing Center, you’ll find free, ready-to-use materials – like full campaigns, social posts, and banner ads – to make your marketing both simple to execute and powerful in its reach.

This means you can drive adoption and engagement for your technology, all without needing an extra budget or creative help.

Why does this matter? Because when more accountholders use your digital tools, their financial lives get easier and their connection to you gets stronger. See what’s new and create your campaigns today. All you need is your Jack Henry credentials to get started. Need help? Contact marketingcentersupport@jackhenry.com for assistance.

To enhance clarity and build on the trust of their globally recognized brand, Mastercard will soon be renaming their “Finicity Connect” service to “Mastercard Data Connect.” The primary impact will be updated text on the user interface, which will reflect the new product name. This transition is tentatively scheduled for the end of July.

A quick reminder: You can now enroll within Banno People to access Jack Henry Rapid Transfers! This feature makes transferring money between accounts faster and easier than ever. If you haven’t signed up yet, simply log in to Banno People, select Rapid Transfers from the main navigation and complete the enrollment steps.

Enjoy the security and speed of rapid transfers today – no more waiting for funds to move!

As previously announced to impacted customers (in the SLA sent on July 28, 2025), the end of an era is now in sight. For over two and a half decades, NetTeller Online Banking™ has been a cornerstone of digital services for many financial institutions on our SilverLake and CIF 20/20 cores. It has served as a vital bridge, connecting you with your accountholders and empowering their digital financial interactions.

As we continually evolve our platforms to deliver the most modern and intuitive experiences possible, we’re taking a significant step forward in our digital banking journey: On July 1, 2027, Jack Henry will officially retire all NetTeller offerings for SilverLake and CIF 20/20 banks. This retirement includes NetTeller Online Banking, NetTeller Small Business Cash Management, and NetTeller Commercial Cash Management.

Making this strategic move aligns with our commitment to a unified, modern, and forward-looking digital ecosystem. Many of you have already embraced the robust capabilities of the Banno Digital Platform, experiencing firsthand its ability to elevate your digital presence, enhance user satisfaction, and drive growth. We strongly encourage any financial institutions still leveraging NetTeller to begin conversations with your Digital Experience Sales Executive about migrating to the Banno platform.

If you’ve been waiting to get in the faster payments game, wait no more! Adding the Real Time Payments (RTP) network now positions your institution to maximize key capabilities – developed in partnership with Moov on Merchant Acquiring – that will be going live within the Banno Digital Platform™ at some point this fall (exciting details to come at Jack Henry Connect).

This widget lets users quickly find and view check transactions without having to sort through transaction lists or use the full transaction reporting functionality.

We’re pleased to share that all migrations to the new Mobile Experience are complete!

The team has successfully migrated all Treasury banks (whether previously installed or newly onboarded) to the Mobile Experience. We appreciate your participation in bringing this to market and look forward to future enhancements being available!

When it comes to securing access to sensitive financial data, the OAuth 2.0 Authorization Code Flow stands out as a trusted standard.

It’s built for scenarios where security matters most, like when a user logs in through a browser or mobile app and needs to grant access to a backend service.

This flow separates the user’s credentials from the external application, reducing risk and reinforcing trust.

Explore the guide to learn how it works, why it’s important, and how to implement it with clarity and confidence.

As announced in the SLA sent on June 18, all status updates will be communicated exclusively via the Platform status screen in Banno Admin, beginning on Monday, July 7, 2025. At that point, our Digital teams will stop publishing active status updates on the Banno Platform Status webpage. [Edited May 2026: The Banno Platform Status page has been deprecated.]

When we introduced the Platform status screen in Admin last August, we noted that our teams would keep both status pages updated. Over the past several months, we’ve expanded coverage across more products and services within the Banno platform, and we’re now ready to consolidate updates into one central location, eliminating any potential confusion on where you can check the status of our services.

Remember, you can easily access the Platform status screen in Admin by clicking the More menu (•••) and selecting Status. No special permissions are required. For further guidance, please reference our Platform status documentation on the Knowledge Base.

In the event that Banno Admin is temporarily unavailable, we will also provide updates through Service Level Announcement emails until access is restored.

The purpose of Banno Support is to help your financial institution provide fast, intelligent, and human-centered support, ensuring that managing customer interactions is more seamless and efficient than ever before. To that end, we’re thrilled to share a preview of significant upcoming changes designed to elevate your support experience and empower your teams ever further.

As announced in an SLA we sent on June 11, we have a full-scale disaster recovery exercise scheduled for the weekend of July 26 and 27 and again on August 2 and 3. All services and functions of the Banno Platform (inclusive of Banno, Content Management System and associated front-end websites as well as all apps associated with login.banno.com), and the Geezeo Personal Financial Management product and Treasury Management customers on Unified Identity Service will be included in this exercise.

Starting at 11:59 p.m. CST on Saturday, July 26 and ending at 4:00 a.m. CST on Sunday, July 27, we will move the workload from Google Cloud Platform (GCP) US Central 1 region to GCP US East 4 region.

One week later, starting at 11:59 p.m. CST on Saturday, August 2 and ending at 4:00 a.m. CST on Sunday, August 3, we will move the workload back to the US Central 1 region.

Catch up with the latest documentation on our Knowledge Base:

• Device management: See details on using anchor devices, a powerful piece of your modern security practices.
• High risk actions: View the current index of high risk actions, how anchor devices work with high risk actions, and more.
• Jack Henry Rapid Transfers FAQ: Read the latest questions and answers we’ve added to this extensive list.
• Merchant Acquiring FAQ: Check out new questions and answers about merchant acquisition.
• Product Collateral: Browse through all our most-recent product collateral docs.

Important Reminder: Visit Help Center for how-to guides on all your Jack Henry products!

Please be advised that starting July 2, 2025, the password requirements for Banno Admin are changing to include a 16-character minimum rather than the current 8-character minimum; the current 128-character max is not changing.

This change does not affect existing passwords, which your staff can still use when logging in to Banno Admin.

Here is the complete list of go-forward Banno Admin password requirements you can expect:

• Passwords must be between 16 and 128 characters long.
• Passwords must include at least one numeral.
• Passwords must include at least one lowercase letter.
• Passwords must include at least one uppercase letter.
• Passwords must include at least one special character.

While we’ve taken precautions to ensure that this change doesn’t disrupt your staff, our Support team is here to help if you encounter any unexpected issues.

The new notices for ISO 20022 Wires are now available (for banks on SilverLake or CIF 20/20) to enable for ESI enrollment. Actual notice activity won’t be a reality until July 14, but you can make these available now for your users to select for enrollment.

For more details on these notices, please visit the For Clients Portal.

Here are a few important things to remember this month.

Upcoming Events

Register now for these upcoming virtual meetups and events:

• JH Digital ISO 20022 webinar: Wed., July 02, at 10:30 a.m. CT
• Developer Office Hours: Tues., July 08, 2025 at 11:00 a.m. CT
  Note: This event was formerly named the Digital Toolkit Meetup, but that name no longer covers all the topics our Developer Relations team addresses during the call!
• Digital Banking Meetup: Fri., July 11, 2025 at 11:00 a.m. CT
• Digital Security Meetup: Wed., August 13, 2025 at 3:00 p.m. CT

Stay in the Know!

To receive SLA emails for all things that matter to you, please head to our Subscription Manager and subscribe accordingly. Please also spread the word with your colleagues, so your whole team gets the respective SLAs that matter to each of you!

Many of you have expressed the need to directly engage with current and prospective accountholders on your public-facing websites. We hear you, and some of our best and brightest have been exploring the solution. Today, we’re excited to announce an upcoming feature designed to showcase your outstanding service with every visit to your website: Guest Conversations.

This public version of Conversations will bring the best elements of your staff’s natively integrated case management tool to your website, without requiring the end user to authenticate before receiving the attention they deserve. By providing immediate, human-centered support during those critical moments when potential accountholders are exploring your offerings, Guest Conversations will meet crucial goals – reduce drop-off rates and boost engagement from the jump.

Auto-Trust New Devices Using FIDO Tokens or Passkeys

When accountholders register a new device using the same FIDO token or Passkey that they use on an existing, unblocked device, the new device will be automatically unblocked from performing high risk actions. Earlier this month, we released this functionality to everyone for all blocking settings.

We are working diligently to add new permissions to the Identity App, so you can take a granular approach when granting your staff access to view and/or manage settings related to authentication and security functionality. We recently released View Activity (May 28) and Manage Security Settings (June 10) permissions, which your authorized administrators can manage via Users & Groups.

Your employees with the View Activity permission for Identity can see activity events related to an end user’s Identity profile, and those with the Manage Security Settings permission for Identity can manage the security-related settings on an end user’s Identity profile, including Default 2FA tiers.

We are also targeting the addition of View Employee Data permission during July. Admins with this permission can view all data for other employees at your institution.

For more information related to permissions and entitlements, please review our Knowledge Base for definitions.

We’re just a couple weeks away from the Federal Reserve’s ISO 20022 implementation date of July 14. With that, we wanted to share their conversion weekend timing. Friday July 11, 2025 at 7 p.m. ET, the current FAIM wire format will no longer be available. When the Federal Reserve opens again on Sunday, July 13 at 9 p.m. ET (business date July 14), the new ISO format supersedes the old FAIM format.

Important: In preparation for this major shift, remember that we urge you to inform your end users they can use the print/save option (described in the January 2025 Statement) to save their existing templates, which cannot be accessed after the July 14 cutover to the ISO 20022 wires format.

Finally, for the very latest details on our ISO 20022 work, you can join our Banno Business, Treasury Management, and NetTeller Cash Management™ product teams for the JH Digital ISO 20022 webinar on Wednesday, July 2 from 10:30 - 11:30 a.m. CT. If possible, we recommend connecting with your colleagues for a “watch party,” as capacity for the webinar is limited to 1,000 attendees.

If you haven’t started the onboarding process with Moov yet, now is your time. Enrollment is now available directly within Banno People, making it easier than ever to get ready for exciting new features like Jack Henry Rapid Transfers™ and Merchant Acquiring.

For a refresher on how to get started and where to find helpful resources, check out the May Digital Statement.

Improved Onboarding Experience

To shine a brighter light on the path for all you early onboarders (smart move, btw! 🎓 ), we’re moving the enrollment link, which you’ll soon reach in just a few short steps:

1. In Banno People, click the new Rapid transfers dropdown and select Settings.
2. Near the top of the Rapid transfers settings screen, click Request Moov enrollment.
   Note: Your unique enrollment link will load pretty quickly – typically within 15 – 30 seconds.
3. Once it loads, click the [Your Financial Institution] enrollment link, and then complete the set-up steps.

Template changes made in mobile will be reflected on desktop. A list of all transfer templates will be available, as well as freeform entry of one-to-many and many-to-one transfers, complementing the existing one-to-one funds transfer.

Connecting user data across different systems can be a tricky task.

Our Identity Token is designed to simplify this process, giving you a straightforward way to match a user with their data wherever it lives – whether that’s within Banno’s own Consumer API, a hypothetical loan application, or your internal and external systems.

To help you get started, we’ve put together a guide that walks through the core concepts and essential steps.

Explore the guide to learn how you can map customer identities to your existing systems.

Whether they initiate the process in Banno Online or Treasury Management, after completing the steps to reset their password, now your end users will see a success message (seen above) directing them to return to their login screen, where they can enter their new credentials to open the app they initially intended to open.

This improvement was released on June 11, and no configuration on your end is necessary.

As fraudsters become increasingly proficient at socially engineering 2FA codes and one-time passcodes (OTPs) from your account holders, it becomes crucial to emphasize that such things should never be shared over the phone. Instead of asking your users for OTPs when they call you, you’ll soon be able to send a message to their devices (along with a push notification where applicable), prompting the user to complete a high risk authorization. Upon completing the high risk challenge, they’ll be verified and you’ll see that confirmation in Banno People. This new option works in tandem with our high risk action blocking features as well, as blocked devices won’t be able to complete the challenge. This allows you to truly say: “We’ll never ask you for codes over the phone” – and ditch the nuance “except when you call us.”

Once enabled, this feature replaces the OTP option to verify a call-in user in Banno People. There is no contract required for this feature; just complete this short form (four quick questions!) to choose a rollout date earlier than August 19, when we will enable this for all institutions.

In what will surely be welcomed news for credit unions, we’re pleased to announce that we’re tackling the need to control certain functionality on the Banno Platform with Warning Codes! To ensure that we build controls for the right warning codes, we need to capture your expert insights. If you or other knowledgeable people at your credit union would like to help guide our decisions and shape this solution, please take a few minutes to share your feedback with us via our Warning Code Feedback survey.

We’re moving as quickly as possible to deliver this feature – likely later this summer. Once it’s ready, we will release the feature for all our credit unions – including but not limited to those of you on Banno Business. No additional contract is needed, and we will communicate roll out timing and (if necessary) configuration details beforehand. As usual, please stay tuned to upcoming Statements for updates.

Soon, all Banno customers will gain the ability to customize existing account details in Banno People. This new feature lets you configure and rename fields for each account type, giving you complete control over what accountholders see. The configuration page will be available soon, and changes won’t go live until your institution enables the feature, allowing you to prepare your settings in advance.

This month, we made a handful of notable usability improvements to the Knowledge Base. You’ll notice that a number of reveal sections (the expandable dropdowns) for content have been removed throughout the site. We’ve moved this information into separate pages and/or into unified FAQs at the bottom of each page. Then, we opened up the remaining sections to improve navigability, searchability, and page flow.

We also added callout notices to several features to better connect those features with their relevant cores and products. Finally, we enhanced our responsive designs, making the Knowledge Base more readable on mobile devices.

Get ready to see EDI (Electronic Data Interchange) transaction details right in Banno. We’re excited to announce that we’re starting to beta test this highly anticipated feature, and we expect to make it available on CIF 20/20 and SilverLake in the near future!

If your bank currently uses our EDI transaction details feature in NetTeller, your business users will seamlessly experience these same details in Banno Online and Mobile (once released). For any transaction with available EDI data, we’ll display a clear indicator on the transaction list, allowing users to easily open the transaction details and download the EDI details file. Plus, we’re enhancing the search feature in Banno so that users can quickly filter their searches to pinpoint transactions that contain EDI data.

Note: While this feature is designed with Banno Business users in mind, the functionality will also be available for any retail accounts that return EDI transaction details from the CIF 20/20 and SilverLake cores.

If your institution limits employee visibility of other employees in Banno People, hopefully you saw that the new View employee data permission was rolled out last month. You can see this permission within Users & Groups along with the other People permissions.

The legacy permission will be honored until June 30, 2025, which will be here before we know it, so ensure that your employees who need to view other employees’ info have this new permission.

Note: After June 30, users with only the legacy permission may not be able to view other employees’ data.

Pro tip: If you don’t have the list of users who need this permission handy, head to Banno Reports, request the Permissions report, and within the CSV file check out the “View employee data (legacy)” column to know who currently has the permission. This will make it easy to grant the new permission to those same users.

With summer nearly in full swing, we want to take a moment and remind our bank customers of the decision by the Federal Deposit Insurance Corporation (FDIC) to delay the compliance date for “requirements related to the display of the FDIC’s official sign on insured depository institutions’ (IDIs) digital channels” to March 1, 2026 with “plans to use the additional time to propose adjustments to the regulation,” as stated in the FDIC Board of Directors Approves Delay of Compliance Date For Certain Provisions in Sign and Advertising Rule press release.

Given the FDIC’s potential to propose additional adjustments to the regulations, we will not be releasing any of the related display updates until further guidance is provided – at which point we will communicate roll out plans here in the Statement.

We have a handful of important reminders for you this month.

Upcoming Events

Register now for these upcoming virtual meetups:

• Digital Toolkit Meetup: Tues., June 10, 2025 at 11:00 a.m. CT
• Digital Banking Meetup: Fri., June 13, 2025 at 11:00 a.m. CT
• Digital Security Meetup: Wed., August 13, 2025 at 3:00 p.m. CT

You can also join one of our upcoming forums: Cybersecurity & Fraud + Digital Banking Forums

Finally, as described in the “ISO 20022” article in this Statement, you don’t want to miss the JH Digital ISO 20022 webinar on Wednesday, July 2, from 10:30 - 11:30 a.m. CT.

Android Health Apps Declaration

As you read in the April Statement, your Android Developer admin needs to complete the Health Apps Declaration (via the Android Play Console) to ensure that we can publish new versions of the Banno Mobile app on your behalf. While the title ‘Health Apps Declaration’ may seem counterintuitive, completing the form is required by Android. Please see last month’s announcement for details and instructions.

As we work on wrapping up development on the upcoming Federal Reserve ISO 20022 compliance changes, we will be starting beta testing with some of our financial institutions across all cores. We want to ensure the new system functions correctly and seamlessly with your operations when the full compliance changes take effect. We are committed to providing a smooth transition and appreciate your partnership as we prepare for these important updates.

How to Enroll with Moov

To enroll, complete these steps:

1. Review your core-specific pre-work using the Compliance & Onboarding guide for your platform.
• Symitar
• SilverLake
• CIF 20/20
2. In Banno People, go to the Settings menu, select Transfers, then open the Rapid Transfers tab.
3. Click Request Moov enrollment to generate your personalized onboarding link and begin the process.

For those of you taking advantage of the high risk blocking features we’ve had in place for a few months, we’re rolling out a new feature that we think will reduce friction for your more security-conscious accountholders. If you hear regularly from accountholders who clear cookies or use private browsers, this may be a way you can guide them to adopt safer practices and keep your institution safe by ensuring that this healthy friction remains enabled.

Once this has rolled out, when accountholders register a new device using the same FIDO token or Passkey that they use on an existing, unblocked device, the new device will be automatically unblocked from performing high risk actions. When this occurs, an activity event is published, so you can audit effectively.

With a little of your guidance, this update can help those accountholders mentioned above to reduce their own friction by adopting these more-secure, inherently phishing-resistant methods. This feature affects all blocking modes and will begin working within the next few days. There’s no support case nor contract required.

Finally, we just want to mention that beta testing for anchor device verification is wrapping up, and that will be rolling out to everyone very soon. More to come on that!

Once enabled, your entitled users can enroll in the methods you’ve made available. You can learn more about this impactful enhancement here on the For Clients Portal.

We’ll communicate via SLA when this feature is released. This enhancement will also allow for mobile approvals of stop payments using the Approvals widget, as well as the ability to search for stop payments using the advanced filtering options.

Available now (as of May 20), bank administrators and Company admins can see everything the super user has access to without having to remove that setting. New icons and messages have replaced the Super User notation that previously displayed on each entitlement section, as your admins likely noticed. Read more about this change on the For Clients Portal.

We’ve tidied up our OAuth and OpenID Connect documentation to get you to the good stuff faster.

For the foundational concepts that apply across the board for Jack Henry’s APIs, head over to jackhenry.dev/authentication-framework/concepts/.

When you’re ready to see how the Banno Digital Toolkit specifically implements those ideas, you’ll find all the implementation details at jackhenry.dev/open-api-docs/authentication-framework/getting-started/.

Less searching, more building!

• Consumer = Non-commercial customers or members.
• Business = Commercial customers or members.
• Households = Groups of customers or members.

Next up, we will begin consistently using the terms above for in-app UI labels and messaging for the Banno Digital Platform – starting with net-new projects and, over time, working to update previously released UI labels and messaging.

Note: This article does not apply to JHA Treasury Management.

Though this process will take time, we are committed to establishing consistency across the board.

For those of you patiently waiting for your time to test anchor device verification for high-risk action blocking, stay tuned! This feature is actively being tested in a closed beta, and we’ll roll it out to everyone just as soon as it has been thoroughly vetted and is ready to roll.

We expect to wrap beta testing in the coming weeks, and we will make the setting available to everyone – no additional contract nor support ticket required.

On Monday, April 21, we sent an SLA requesting that your financial institution’s Android Developer admin complete the Health Apps Declaration (via the Android Play Console), as a significant number of apps were rejected from publishing. Remember, your previously published app is still available in the Android store; however, new app versions, including Banno Mobile 3.22, cannot be published until your Health Apps Declaration is approved by Google.

We’ve found that the Android documentation Google provides is out of date. Not to worry! We’ve written simple instructions your developer can use: Open Play Console and log in, select your app, click Monitor and Improve, select Policy and Programs, click App content and complete your declarations.

After submitting the Health apps declaration, Google will review your information as part of the standard app review process. Once they approve the details, our engineers can publish new Android app versions on your behalf, as usual!

The scope management changes for API development (first announced in October 2024) are now in effect. [Edited May 2026: The October 2024 link has been deprecated due to outdated content.]

After a series of deadline extensions (also described in previous editions of the Statement), the related scope selector is now available for your developers when reviewing or editing an external application’s configuration settings in Banno People.

Here are a few things to know about the scope selector:

• Adding new apps: Any consumer application added after the start date will require specifically defined scopes to function properly. Your in-house or third-party developers must select only the permissions the app needs to access user data.
• Using existing apps: All apps created before the start date will be grandfathered in – i.e., these apps can continue to use all scopes without modification.
• Editing existing apps: If a grandfathered app is edited or altered in any way after the start date, it will lose its grandfathered status. Before saving any changes, your team must define the scopes required and add them to your app’s allow list.

For more information on managing your external applications in People, visit the Knowledge Base.

Now available to Banno Business banks on SilverLake, the Copy Batch feature lets your Banno Business users with the Create Batch permission for ACH batches duplicate an existing active batch on Banno Online and Mobile.

Batches in Ready or Uploaded or Initiated status also have a Duplicate option, which they can use to create an exact copy of the batch, including recipients! During the duplication process, the user is also prompted for a new batch name and whether to reset recipient amounts to zero during. After successfully duplicating a batch, the new batch should be visible in the batch list – note that the user who duplicated the batch will need to refresh the screen before the new batch is reflected in the list.

No additional contract or support ticket is necessary; your authorized business users should already have access to the feature.

As part of our ongoing commitment to providing a secure, scalable, and highly available platform for your financial institution, we are upgrading our underlying database infrastructure to Google Cloud Spanner. This technology change is a critical step in transitioning to an active/active multi-region architecture and removes the need for scheduled downtime to perform database maintenance – all while letting us seamlessly scale our services to meet your end users’ growing demands.

This spring and summer, our engineering teams will migrate key data sets to Spanner. To ensure minimal impact on performance and availability, we will handle this migration during our regularly scheduled maintenance windows on Tuesday nights. While we don’t anticipate the need, should your financial institution experience any unexpected degradation or disruption due to this data migration, please report the issue to our Support team.

Check out our latest Knowledge Base additions, including two incredibly informative new sections:

• Moov: We added articles on all things Moov to our “Partner Integrations” documentation.
• Security: We reorganized our Security docs for Banno Online and Mobile, including some net-new information.
• Service & Support > Banno People > Security: Configuration docs for managing your financial institution’s security settings are still housed in the “Service & Support” section.

Important reminder
Visit for how-to guides on all Jack Henry products.

Our Banno Business credit unions’ business members can now download an existing batch! Both PDF and Nacha file formats are supported. To download a batch, the member should click Download on the Batch detail screen and select their desired format. When describing the functionality to your members, it’s worth noting that the PDF format supports sorting by a specific recipient field.

This feature is available to Banno Business credit unions on Symitar without NetTeller. No additional contract or support ticket is required.

After opening Finicity Connect, they will see a new screen that prompts them to enter their phone number. This is not required; users can click Maybe later to bypass this screen and continue the aggregation process. If they decide to provide their phone number, they will need to verify it via OTP, at which point the user’s account sharing choices are saved.

In the future, accountholders who have entered a phone number will be brought directly to a financial institution selection screen based on their previously shared accounts. They can then view all of their active data connections through a stand alone dashboard and will receive a link to the dashboard each time they link a new account with an RUX-enabled partner.

This new feature simplifies data sharing and enables the accountholder to securely share their financial accounts in subsequent sessions with fewer steps.

For more details, please see the Mastercard documentation.

We have a handful of important reminders for you this month.

Upcoming Events

Register now for these upcoming virtual meetups:

• Digital Security Meetup: Wednesday, May 7, 2025 at 3:00 p.m. CT
• Digital Banking Meetup: Friday, May 9, 2025 at 11:00 a.m. CT
• Digital Toolkit Meetup: Tuesday, May 20, 2025 at 11:00 a.m. CT

You can also join one of our upcoming forums: Cybersecurity & Fraud + Digital Banking Forums

Currently available for our Full Service Credit Card (FSCC) customers, your authorized administrators can now manage account visibility for Banno through the CIF record! This feature is useful if you have any integration concerns – such as rewards or business management.

To prevent an FSCC account from displaying in Banno, your admins can enter ‘NB’ into the MISC 4 field of the CIF record.

Available to FSCC + Banno Business customers on SilverLake or CIF 20/20, this feature requires no additional contract or support ticket.

If you missed the news in the most-recent Banno Release Notes, you’ll be glad to know that we’ve made significant improvements to how our Mobile apps handle syncing and any related errors due to service interruptions or degradations:

• Accounts and transactions: The apps will attempt to retrieve accounts and transactions if any errors occur when initiating a sync or during the API call for your institution details.
• Account dashboard cards: If an in-house account is updated within an hour of the last successful sync, the apps will behave the same as previous versions. Otherwise, the apps will display the date and time of the most-recent successful retrieval of that account’s data.

These enhancements ensure that accountholders can still use key areas of Banno Mobile, even if certain sync services experience issues.

As of April 15, 2025, we have completed the migration of international phone number support for 2FA codes through Jack Henry’s Enterprise Notification System (ENS). The removal of Authy as a two-factor authentication (2FA) code delivery method is now complete.

Origination Phone Number

Recipients with a phone number based in the United Kingdom (UK) will now receive 2FA codes from a single UK origination number:
+44 7480 191787

All other 2FA codes will be delivered via ENS, using your financial institution’s dedicated toll free number.

As we’ve rolled out our high risk action functionality over the past year, fraudsters have been searching every nook and cranny for leaks, and we’ve been right on their trail plugging up the hull. As a result, we are now treating two new actions as high risk:

• Member to member transfers
• Create and edit travel notices

As of Mobile version 3.23, both of these activities are high risk actions, and Banno Online will follow suit in May. This of course means that these actions will be blocked by any of the high risk action blocking settings.

Onboarding Steps

To get enrolled with Moov, follow these steps:

1. Complete your core pre-work, using the previously emailed Compliance & Onboarding guide for your respective core: Symitar guide, SilverLake guide, or CIF 20/20 guide
2. Navigate to Banno People to complete your Moov onboarding: Click the Settings dropdown, click Transfers, select the Rapid Transfers tab, and click Request Moov enrollment to create your personalized Moov link and get enrolled.

Why enroll with Moov right away? That’s easy – so that you’re ready to offer Jack Henry Rapid Transfers and Merchant Acquisition the moment they’re released!

We’re excited to announce a brand-new feature designed to make managing external loan payments easier for your customers!

Starting today for credit unions, your members will be able to schedule transfers to and from their external loans - without leaving your digital banking platform. No more logging in every time a payment is due or worrying about missed payments. End users can set up recurring transfers (weekly, biweekly, twice a month, or monthly), view and edit their schedules, and enjoy greater control over their finances.

This update is available for both business and retail users and will help streamline loan payments, reduce manual work, and improve overall satisfaction.

Create a support case to get configured with scheduled external loan transfers.

This feature is available now, so your end users can apply Advanced Filtering and use Type-to-Filter to locate specific transactions in mobile!

Visit the For Clients Portal to check out the comprehensive list of notification details.

The Developer Relations team has added a new entry to the site navigation on JackHenry.Dev: Full List of APIs

This listing, along with the new entry in the site navigation, allows us to balance the need to ‘have docs accessible for all publicly available APIs’ with the need to highlight particular APIs in the main navigation.

Try to enjoy each API, equally.

Last month, we invited you to tell us how your financial institution refers to your various types of users. The initial poll results (41 responses) are in! The early data indicates that we should consider moving forward with the following user type nomenclature:

• Non-commercial customers/members: Consumer
• Commercial customer/members: Business
• Groups of customer/members: Households

Data from over 40 financial institutions is a great start, but we’d love to hear from many more of our Digital Banking customers before solidifying new labels. If you haven’t already shared your insights, please complete this form by May 15.

The legacy permission will be honored until Jun 30, 2025, giving you plenty of time to ensure your employees who need to view other employees have this new permission.

Pro tip: If you don’t have the list of users who need this permission handy, head to Banno Reports, request the Permissions report, and within the CSV file check out the “View employee data (legacy)” column to know who currently has the permission. This will make it easy to grant the new permission to those same users.

We’re working on another way to give your business users greater visibility and control – Banno Business Alerts!

This significant enhancement will let business users opt into alerts directly through Banno Online, ensuring that they receive timely notifications about critical activity related to ACH, Wires, and more.

We are currently compiling a list of Banno Business banks on SilverLake and CIF 20/20 that wish to become early adopters. If your bank is interested in being among the first to offer Banno Business Alerts, please complete this survey so we can add you to the list for consideration.

Stay tuned for follow-up communications with additional details.

We want to let Banno Usage Data customers know that we updated the database schema to improve efficiency and reduce compute costs for queries. The primary change was placing most properties into a JSON field. You can read the updated documentation now.

To use this new schema, you will need to add the listing to your Google Cloud Platform (GCP) project. Your current listing is named Digital Advanced Analytics, and the new listing is named Banno Usage Data. You can also read instructions for adding a new listing now.

To provide time to adapt existing reports to the new schema, we’ll leave the previous listing running through April 30, 2025. Once you’ve migrated your reports to the new listing you should unsubscribe to the original Digital Advanced Analytics listing.

Check out the latest additions on the Knowledge Base:

• Data & Reporting: See the new Data & Reporting section, which includes docs on Jack Henry Data Hub (formerly Data Broker) and Banno Reports.
• Security FAQ: See new Q&A regarding default 2FA.
• SymXchange Implementation Blueprints: Read blueprints for both Jack Henry ISO Wires and Banno. Be sure to click the arrow icons to expand the sections.
• Banno People Dashboard: Don’t miss this newly published doc that includes current information on how unique logins are calculated.
• Engagement: We’ve added more details on engagement tracking and how app usage is calculated.

Important reminders

Visit Help Center for how-to guides on all Jack Henry products. And remember to check for new documentation published to the ISO 20022 Resource Center on the ForClients Portal.

We’re excited to announce a new feature that will make life easier for your internal staff and your business users alike.

Now business users can modify their business contact information directly – without needing help from your team. This means fewer support tickets for you and more control for your business users!

This feature, which is available for Banno Business banks on SilverLake and CIF 20/20, empowers authorized business administrators to update their business email and phone number right there on the My Profile section in Banno Online.

Register now for these upcoming virtual meetups:

• Digital Toolkit Meetup: Tuesday, April 8, 2025 at 11:00 a.m. CT
• Digital Banking Meetup: Friday, April 11, 2025 at 11:00 a.m. CT
• Digital Security Meetup: Wednesday, May 7, 2025 at 3:00 p.m. CT

Looking for details on our upcoming forums? Here you go: Cybersecurity & Fraud + Digital Banking Forums

The Identity Application will eventually house the majority of security and authentication settings that have historically been located in Banno People. While certain Banno-specific settings may remain in People, this relocation to Identity App will support non-Banno product groups that use our new Unified Identity Service.

As we expand this functionality and work toward the relocation, we will add new entitlements, Manage User Security Settings and View Employee Data restrictions, to enhance permissions allocated to your employees. We intend to reach feature parity with the settings currently managed within People, ensuring the granularity that your financial institution requires.

It’s time for the next phase of our Moov partnership – Jack Henry Rapid Transfers! This new functionality will give you access to near-instant, secure money transfers for all your users, consumer and business alike.

All Banno customers on SilverLake and Symitar cores were sent an SLA outlining Moov Due Diligence documentation and other onboarding preparation materials. Don’t worry; our Core Director and CIF 20/20 customers will receive setup instructions soon as well.

Important!

We urge you to do the pre-work and setup in your core as quickly as possible – so that as soon as we release the onboarding links in Banno People, you’re ready to start enrolling through the Moov platform. We will be unable to configure this feature for your institution until those steps are completed.

Good news for all Banno end users. We’ve implemented a way to access stop payments on Banno Mobile, so your users can now make adjustments from anywhere! The new feature is available within the individual accounts that have been entitled for stop payments. Upon selecting Stop payments, end users are taken to a web experience, which matches the experience available in Banno Online today.

Please Note: Native app support for Stop Payments remains on our radar as a future enhancement.

In recent months, we’ve communicated often that the third-party platform behind the Authy App is phasing out the product and that we must soon migrate from Authy to Voice and Text (SMS) messages for one-time passcode (OTP) delivery. Note that OTP codes are one method of two-factor authentication (2FA), which is required to access our apps and to perform high-risk actions.

As communicated in an SLA email we sent on March 26, this migration of OTP delivery methods will occur during our scheduled maintenance window on Tuesday, April 1, 2025.

Changes made on a mobile device will also be reflected in the Treasury Management desktop.

More information on this enhancement will be communicated soon via SLA and the For Clients portal!

The Developer Relations team has published the session videos for Jack Henry Devcon 2024.

The session videos are a great way to refresh yourself on the material we covered (or see what you missed) in Fort Worth, Texas this past November 2024.

The listing of videos, ordered by topic, is available now.

Your entitled customers can now filter ACH payment results by payment status within the ACH Payment Activity listing. This is highly beneficial for your customers who need to further narrow their payment results to take actions such as approve pending payments.

This feature is available now for SilverLake banks, and no additional contract or support ticket is required.

Now your entitled customers can select Cleared Date from the Date Type filter within the Issued Items Activity listing to display all check issue items that have cleared within their selected time range.

This feature is currently available for SilverLake banks. No additional contract or support ticket is required.

We’re on a quest to understand the lingo you use when talking about your customers – especially the difference between your business folks and your retail regulars.

Please complete this form to share the terms you typically use. We promise we won’t judge if you have a few quirky nicknames!

Assuming your institution is already configured to limit employee visibility of other employees, you will see this new permission within Users & Groups – accessed via the ••• (More) menu in Banno Admin. For a limited time, we will honor the legacy permission and the new View employee data permission, giving an authorized admin from your financial institution time to add all applicable employees to a group with the new permission (or add the new permission to existing groups).

Additionally, the Permissions report will include a column for this new permission, and the legacy permission column header has been appended with (legacy) ensuring a proper audit trail.

After releasing the Enhanced Default 2FA functionality for all financial institutions in early February, we began migrating the delivery of 2FA codes from a third-party integration to Jack Henry’s Enterprise Notification System (ENS). We kicked off this migration on February 13, 2025 and completed the rollout on February 26.

This change allows your users to receive 2FA notifications through a single, dedicated phone number for your financial institution. This change also opens the door for exciting new features down the road, such as branded RCS messaging, which we couldn’t have offered through the third-party provider.

While this migration was complex, our engineers worked hard to avoid any surprise road bumps for your end users or internal team. After dedicating several days to monitor the deployment and ensure service reliability for all users during this timeframe, our Engineering & Support teams are confident the cutover was completed successfully.

The third-party provider supporting Authy is phasing out the platform, requiring us to transition users to alternative two-factor authentication (2FA) methods.

To minimize impact on both your staff and your accountholders, we will continue supporting previously established Authy enrollments (before the February 10 cutover) as well as the use of Authy for International phone numbers. Behind the scenes, we will soon begin migrating these previously established Authy enrollments to our one-time passcode (OTP) solution (Voice or Text).

Important! While the timeline for completing this migration is still to be determined, it is important to understand that in the near future your affected end users will receive their passcodes from a new short-code rather than the Authy app. We recommend letting end users know that they will start seeing related messages soon – e.g., “Verification code has been sent to your phone number.”

Your business users will be glad to know that we’ve released five additional features this month! Each of the features described below are available now to our banks on SilverLake and CIF 20/20, and no additional contract or support ticket is required.

Whether your financial institution is a credit union or a bank, your business admins will soon be able to change the names of their accounts in Banno. This feature will look and feel the same as the feature that allows your retail users to change their account names.

We will capture a history event for this action in Banno People, so authorized employees from your financial institution be able to see two important details – who changed the account name and what the name was before the change. This feature will live behind the same institution ability that is used for retail users, and we will communicate additional details, including any enablement prep required, before releasing this feature.

Your business members have been able to duplicate an active batch for quite a while, but they haven’t been able to work with a historical batch – until now.

Today, when an authorized business member selects a batch that’s listed on the History tab, they can click the Duplicate option, which will create an exact copy of the batch. They will then get prompted to enter a new name for the duplicated batch and, if wanted, can zero out the amounts for all recipients. After refreshing, they and other authorized members will see newly created batch displayed in the Active batch list.

Other than permission to create a batch, there are no additional requirements or support ticket necessary for this feature.

Get ready for an exciting update for our business customers! Beginning in March, you’ll have the ability to integrate your custom Digital Terms of Use for Business directly into Banno People. This enhancement allows your Banno Business users to easily view and accept these terms across Android, iOS, and online platforms.

This change brings clearer terms, streamlined onboarding, and a more tailored experience for your business users – without adding complexity for you. It’s another step in our mission to help you conduct business on your own terms!

Don’t miss the latest and greatest from the Jack Henry Knowledge Base:

• Security enhancements FAQs: Read the comprehensive FAQ doc that we compiled after the Special-Edition Digital Security Meetup that Ben Metz and Chad Killingsworth hosted in January.
• Platform integrations: See additions to the SymXchange Implementation Blueprint.
• Enrollment: See new information on username and password rules required during enrollment.
• Security: Read new details regarding the enrollment flow, and learn new information about updating email addresses.
• User Management: Read major updates outlining newly available Banno Business user management options in Banno Online, Mobile, and People.

Important reminder: Visit the Help Center for how-to guides on all Jack Henry products.

If you are currently using our EDI transaction details feature in NetTeller, we’re making these same details available in Banno Business.

For any transaction that has EDI data available, we will display an indicator on the transaction list, so your business users can drill into the transaction details and download the EDI details file. We are also updating the search feature in Banno, so business users can filter their search to return only transactions that contain EDI data.

This feature will be available to customers contracted for EDI, so contact our Sales team at digitalexperience@jackhenry.com to make sure that you’re ready to roll! And, of course, stay tuned to upcoming statements for any necessary updates as we get closer to rollout.

For those of you watching the coming FDIC compliance date, which was previously set for May 1, 2025, rest assured that we’re watching it very closely as well. Like you, on March 3, we read the FDIC Board of Directors Approves Delay of Compliance Date For Certain Provisions in Sign and Advertising Rule press release, which states that the FDIC has delayed the compliance date for “requirements related to the display of the FDIC’s official sign on insured depository institutions’ (IDIs) digital channels” to March 1, 2026, and “plans to use the additional time to propose adjustments to the regulation.”

In light of this delay and the FDIC’s plan to propose adjustments to the regulations, we will also evaluate our approach – including the now-stricken rollout plans we had published here in the February Statement before learning of the delayed compliance date.

Please stay tuned to future editions of the Statement, as we will include additional FDIC compliance updates as we solidify new plans.

Don’t miss our next round of virtual meetups:

• Digital Toolkit Meetup: Tuesday, March 11, 2025 at 11:00 a.m. CT
• Digital Banking Meetup: Friday, March 14, 2025 at 11:00 a.m. CT
• Digital Security Meetup: Wednesday, May 7, 2025 at 3:00 p.m. CT

Looking for details on our upcoming forums? Here you go: Cybersecurity & Fraud + Digital Banking Forums

The new Identity App is now available for all financial institutions. Your authorized personnel can now use the application to view and manage the security settings related to an end-user’s identity, including profile data, 2-step verification methods (i.e., 2FA), Passkeys, password resets, and device management – all of which were previously completed solely in the Banno People User Settings page.

This will provide financial institutions and vendors who are not ready additional time to better prepare for the transition to the new ISO 20022 format. You can read more about the update on the Federal Reserve website. [Edited May 2026: The Federal Reserve has deprecated that webpage since this Statement article was originally published.]

We are thrilled to announce the next step in our partnership with Moov to bring you Jack Henry Rapid Transfers! As one of the first institutions to onboard, you’ll gain early access to near-instant, secure money movement for your end users.

As noted in the most-recent Digital Banking Platform release notes (available here, on For Clients portal), the usage statistics displayed on the Dashboard screen have been updated and now reflect your accountholders’ use of the Banno Platform that allow automated utilization (without authenticating on a per-use basis).

For more details on usage stats, check out the newly updated Engagement and Exports docs on the Knowledge Base.

These new fields will give your end users more ways to self-serve and let them easily manage their own security and identity-related settings.

Going forward, this Security screen can be considered the end user’s “identity profile.” This includes end users whose financial institutions have Unified Identity Service but do not yet leverage the Banno Platform; these end users can access the same Security screen and the new fields, but they will not see the user profile or Settings screen that’s available in Banno.

Stay tuned for additional identity profile enhancements as we continue exploring ways to expand Unified Identity Service functionality.

The Developer Relations team has published a new guide to help developers understand how they can retrieve check images and user-uploaded images from a transaction.

The steps are similar, but also different in meaningful ways.

This guide acts as a recipe for developers looking to perform this specific task.

After successfully completing a password reset that they originated in Treasury, end users are currently taken to their user profile in Banno Online, rather than returned to the Treasury login screen. This user experience (UX) can certainly be improved. For starters, we’re working to implement a new prompt that will, instead, guide the end user back to the login screen.

If you’ve been tuning into our monthly and security meetups, you know we continue to improve on the high risk action blocking feature set, and coming soon is the ability for your accountholders to unblock themselves with a known anchor device. Given a device qualifies as an anchor device, users will be able to use it to unblock a new device they’re using, thereby removing the need for your support staff to verify users on the phone and unblock devices.

When it rolls out, this functionality will appear as a new option in the High risk action blocking area of Banno People > Security and Banno Identity > Settings. Therefore, it won’t affect your users until you’re ready to flip the switch.

Watch for an article in the February Statement with updates on when you can access the anchor device verification feature, which will be available to all financial institutions and requires no additional contract or support ticket.

This opens the door to more streamlined and secure communication, as business users can share the relevant context needed to attain approvals, make edits, or get the help they need – without leaving the app.

When Mobile version 3.20 rolls out, business users will be able to attach and send ACH batches within Conversations. This functionality mirrors how other elements (such as transactions and accounts) are attached, so users will can use the feature from the ACH batch detail view or from within the conversation itself.

Once released, this feature will be available to all business users with permission to view ACH batches. No additional configuration or support ticket is required.

Support for business alerts is coming soon for Banno Business banks! This feature will allow business users to stay up-to-date on Positive Pay exceptions, wire transfers, ACH activity, and more. By staying updated, they’ll be able to catch discrepancies early, ensure timely transactions, and maintain better control over their cash flow. Keep an eye on our statement for more information in the next few months.

Available for SilverLake and CIF 20/20. No additional contract or support ticket required.

This quick-access feature will function the same way it does today when creating a filter from the ACH Exceptions list.

This enhancement was enabled for all Treasury Management banks on Friday, January 17.

If a Treasury customer finds themself on a page that does not have the option to open the fly-out menu, they can simply tap the new Dashboard icon to return home and keep going about their business.

This is helpful for anyone who digs into a report or is deep in the transfer process but then needs to jump back to the Dashboard.

We’ve got something exciting for our business customers! Starting in March, you’ll be able to add your business-specific Digital Terms of Use directly within Banno People. In turn, your business users can then view and accept those terms in Android, iOS, and Online.

This update means clearer terms, smoother onboarding, and a more personalized experience for your business users – all while keeping things simple and efficient for you.

It’s just one more way we’re making it easier to do business your way. Mark your calendars, folks: March is right around the corner!

Always remember to check out our latest documentation on the Knowledge Base:

• Security Settings for 2FA: Make sure to check out the updated documentation related to the Default 2FA project.
• High-risk auth: High-risk authentication can now be configured to use either a password or existing 2-step verification methods. This has also been updated throughout the Knowledge Base to avoid confusion.
• Attaching batches to conversations: Learn how to attach a batch to a conversation.
• Creating Positive Pay upload formats: Custom upload formats are available for positive pay uploads.
• Banno Business Wires for Banks: See updated info on how we use the FRB database.

Important reminder: Visit Help Center for how-to guides on all Jack Henry products.

Banno Business users on SilverLake and CIF 20/20 can now download an existing batch! Two file formats are supported – PDF and Nacha. The PDF format allows sorting by a specific recipient field.

To download an existing batch, business users can simply select Download from the batch detail screen and then select their desired file format.

No additional contract or support ticket is required.

Previously, business users could access electronic documents when the ability was enabled on behalf of your financial institution. Moving forward, your personnel won’t need to open NetTeller Back Office to enable the corresponding permissions. Instead, authorized admins for each business organization can enable the View all documents permission for each account right there in Banno Online!

Upon release, we will automatically enable the new View all documents permission for all previously existing business users (if the old institution-level ability was already enabled for your bank). It’s important to note, however, that as new business users are added, an organization admin must explicitly enable that permission, as wanted, on each account.

Note that this enhancement does not apply to the ESI SSO. No support case is needed for this change; authorized admins for your business organizations will see this new permission by default.

Default 2FA also offers customization based on user type (retail vs. business), as described in more detail in our 2-step verification Knowledge Base doc.

Why did we make this change? In a word… Security. Security. Security. Here are a few big benefits the Enhanced Default 2FA feature provides:

• Simplifies security management
• Improves security for high-risk actions
• Provides greater user and FI protection, while cutting down on individual back office configurations

As a critical part of these improved security measures, we will activate all 2FA methods for your financial institution with this release. We encourage you to begin testing FIDO keys as soon as possible.

We’re excited to announce that NuDetect now tracks when your mobile users authenticate using their PIN, FaceID, or TouchID. This enhanced visibility gives you a more complete understanding of your mobile banking traffic, so you can do the following:

• Better identify suspicious activity
• Make more informed decisions about fraud prevention
• Gain deeper insights into end user behavior

We need to correct the date we published in last month’s Statement. We have indeed extended the deadline regarding the changes to API scope management; however, last month we stated that the changes would occur on January 21, 2025. The correct date for this extension is a month later: Starting on February 21, 2025, all new external applications will require defined scopes to enhance security and user privacy.

Thankfully, our mistake does not negatively impact end users.

Save your seat now for these upcoming events:

• Digital Toolkit Meetup: Tuesday, February 11, 2025 at 11:00 a.m. CT
• Digital Banking Meetup: Friday, February 14, 2025 at 11:00 a.m. CT
• Digital Security Meetup: Wednesday, February 19, 2025 at 3:00 p.m. CT
• MyFinancialHealth webinar: Select one of four dates:
• Thursday, February 13 at 12:00 p.m. CT
• Tuesday, February 18 at 12:30 p.m. CT
• Thursday, February 27 at 12:00 p.m. CT
• Wednesday, March 5 at 2:30 p.m. CT