Season’s Greetings and a Look Back at a Wonderful Year

As we all brave the year-end rush, we want to encourage you to pause and enjoy the warmth of the season. Before we head home to focus on what matters most – family, friends, and the relationships that enrich our lives – we’re wrapping up the year with a few final updates.

Below, you’ll find updates on Tap2Local™, our continuous security improvement story, and a look ahead at what’s brewing for 2026.

We are so grateful for your partnership and wish you and your team a holiday season filled with joy and peace. We can’t wait to see what we’ll achieve together in the new year!

Kevin Casey
Advisory, Technical Product Management

Tap2Local™ Know & Tell

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! See the full list of upcoming Tap2Local and Rapid Transfers events.

Should Know

The new Marketplace is live in Banno Admin, and you can now enroll in the Tap2Local Revenue Share! Just assign the Can modify contract permission to an approved user group, so an authorized decision-maker can execute the Revenue Share Agreement.

One question we hear often is, "What is the fee structure for Tap2Local?" Smart question. Here's your detailed answer.

Nice to Know

Our team is continually improving the Tap2Local experience. Along with the Streamlined Merchant Support feature described above, we released a few other big wins this month:

• Faster Merchant Enrollment with Business Type Mapping
• Targeted Prompts through Class Codes Configuration
• New Tap2Local Campaign in Banno Marketing
• Streamlined Merchant Support

What will 2026 bring for Tap2Local? An even better, ever-improving user experience for your staff and merchants alike! We're hearing all of your great ideas for additional features, and we already have numerous enhancements in the works. Let's goooo!

Mobile App UX Design Evolution

Continuing our mobile design modernization effort, here are the changes we are implementing for the Banno Mobile 3.31 release in early February.

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.

Android – Theme Exploration Continued

Our team is continuing to evaluate the future of how Banno Mobile will create and consume app themes on Android to align with Material 3 standards. Implementing this change will ensure the app evolves seamlessly with future changes to Material, and we intend to communicate our strategy as we finish development of 3.31.

Tracking the Evolution

As promised last month, we published the new Mobile UX Design Evolution section on the Knowledge Base early this December. We will keep these pages up to date – complete with sneak-preview images – as plans progress and new versions are released. In other words, you'll want to visit the Knowledge Base regularly for updates!

Banno Admin Session Management Updates

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.

Mobile Passkey Enhancements

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 enchancements 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 2.29).

Device-Level Authentication

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.

Xperience SSO Access to Banno Admin

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.

Authy Deconversion for Banno Admin

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.

Boost Digital Banking Engagement

Make it easy for your accountholders to get the most out of Banno. On the Jack Henry Marketing Center™, our Geezeo customers now have access to a new campaign collection – four plug-and-play campaigns designed to help you reconnect with inactive users, welcome new accountholders, encourage adoption, and educate through an interactive quiz.

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!

🎗️Forget-Me-Nots🎗️

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!

Toolkit Corner: Technical Account Manager (TAM)

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.

Jack Henry Wires™ Update

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.

Suspicious and Fraudulent Event Labeling

In an ever-growing (and ever-more expensive) game of fraud whack-a-mole, data can become an incredibly powerful tool in our defensive tool belt. To make that data as impactful as possible, we’re introducing multiple ways for you and your accountholders to label suspicious and fraudulent data. 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.

Device Removal Reasons

In Banno People and Identity, as well as within Online and Mobile, we’ll soon be asking for reasons when a device is removed. This will be optional on the consumer apps (for all end users), and depending on the reason provided, we'll be better equipped to take preventative measures should that device reappear in the future.

All of this is designed to improve security for you and your accountholders, and we’re excited to continue partnering to stop the bad guys. These features will be available to everyone when released. Look for more information in future statements as we continue development.

Search Recipients in Banno Business ACH

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.

Required Fields Identified for Wires

We know that ISO 20022 has been a learning curve, and we want to help your business users continue to navigate this new road with more guidance during wire creation. 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.

Wires Drafts Tab

We’ve made it easier to navigate wires for your Credit Union business members. By adding a new Drafts tab, we’ve separated out all uninitiated single wires from the Templates tab. 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.

Future Dated Wires

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.

Payee Name Expansion for Positive Pay

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!

Displaying Last Four Digits of Card

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.

Update to Credit Card Balances

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.

sFTP for ACH in Treasury Management

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!

Documentation Updates

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

• New Jack Henry Wires: We updated the Transfer fields section to call out the recent addition of a GL transaction comment field.
• Lending and Deposits: We launched net-new pages for all things account origination! This initial launch focuses on our current consumer and business deposit capabilities in OpenAnywhere.
• Mobile UX Design Evolution: Track our Banno Mobile app UX design modernization plans and progress, which allow us to meet iOS 26 design system and Material Design 3 standards.