Welcome to September, friends! August was going great for our team... until ya boy here tripped down the stairs and drowned my laptop, literally minutes before our statement review meeting. Way to come up clutz under pressure, Joseph! Apologies for causing a delay, but my new computer is set up (not to mention dry), and I'm finally able to publish the overdue Statement.

Now that you're back from a well-deserved Labor Day weekend, take a gander at our latest updates. And remember, folks, keep those shoes tied and stay safe out there!

Joe Donohue
Technical Product Manager, Supervisor

Preferred 2FA Method

Your end-users and employees have likely noticed that Authy is no longer automatically added as the preferred method for receiving 2FA log-in codes. This is due to a behind-the-scenes improvement we made recently to the services used for sending 2FA log-in codes during Banno enrollment and recovery.

While neither the enrollment nor recovery workflow has changed from a user experience (UX) perspective, this improvement does affect the preferred method presented to users:

• Enrollment in the platform: The preferred 2FA method when enrolling in Banno is always SMS & Phone.
• Recovering authorized access: The 2FA method established during enrollment will be the preferred method for the user. If the user does not have a preferred method on record, the 2-step verification settings you have established in People will determine the user's preferred method:
• If you have enabled Phone/text message in People, then the platform will default to Voice or text message as the user's preferred method for receiving 2FA log-in codes.
• If you have enabled Authy but have not enabled Phone/text message in People, then the platform will default to Authy as the user's preferred method for receiving 2FA log-in codes.

For more information on our supported 2FA verification methods, please see this Knowledge Base article: Two-factor authentication

Treasury enhancements

The team has a couple of beneficial enhancements for our Treasury Management customers this month.

Account Number for Entitlements

On August 23rd, account numbers began displaying alongside account names when editing or viewing entitlements in Channel or Back Office. At the time of that change, account names and numbers were shown in a single column, labeled Account Name. For better clarity at glance, we have since added an Account Number column as well, and your staff will now see the data separated appropriately.

Information Reporting History

On Friday, August 18th, Treasury Management changed how data is aggregated. As a result of this improvement, it will now be much easier for newly onboarded Treasury users to access their transaction history.

For more information on these enhancements, please check out the announcements on For Clients portal.

eStatement Prompt

A brand new prompt, encouraging unenrolled users to sign up for eStatements, comes out this month in Banno Online. This new notification will be placed tactfully under account balances and quick actions. Here’s how it works:

• It can be used for any native Documents integration that utilizes the Documents settings in Banno People; SSOs are not supported.
• The prompt is only displayed to retail users who are not already enrolled in eStatements.
• Mobiles will be supported in the coming months.

To learn more about this helpful new feature and how to enable it Banno People, see the eStatement Prompt documentation on the Knowledge Base.

BSL Enablement for Core Director

As widely requested, Banno Online will soon use the account display settings your finanical institution has defined on Core Director to determine when closed accounts should no longer be displayed. During the last week of September, we will release a change for all Core Director customers so that Banno can honor the core-defined setting for number of days to show closed accounts in online banking.

This change, which requires no support ticket, also ensures that your end users will have access to their electronic statements for that same duration after closing their account.

Documentation updates

Be sure to spend a little time reviewing our latest documentation additions on the Knowledge Base:

• Data aggregators: See updated information on screen scraping.
• PowerOns for credit unions: We added a landing page for our Digital Banking PowerOns, complete with downloadable PDFs.
• Two-factor authentication: See the latest details on the security code SMS message.
• User Management for credit unions: Learn about previewing an organization's details prior to officially creating it.
• eStatement Prompt: Read all the details on the new eStatement Prompt feature announced above.

🎗️Forget-me-nots🎗️

Here are a few things to remember:

New minimum-supported version for iOS

When Banno Mobile™ version 3.6 hits the iOS App Store next week, our minimum support version will become iOS 16, and our Support team will be unable to trouble shoot issues on devices that are still running on iOS 15 or earlier.

For more information on our minimum support versions, please see our Browser and OS Support Policy.

Upcoming events

Be sure to save your seat for these upcoming events:

• Toolkit Meetup: Tuesday, September 12, 2023
• Jack Henry Connect 2023: October 16 - 19, 2023

We'll see you, there!

Toolkit Corner: Consumer API explained in one minute

This month completes the series of ‘snackable’ videos to help you learn more about the Digital Toolkit. If you can spare 60 seconds or so, you will learn about the Consumer API, which is the API that powers Banno Online and Banno Mobile.

Check out the new video now on the Getting Started page for the Consumer API.

EULA + JH terms update

This fall, we will roll out some changes to our End User License Agreement (EULA) and Jack Henry terms. The update will let you present end users with custom terms plus the standard Jack Henry language—without mixing the two together. When these changes are deployed, you will have three options for updating to the new terms:

• Copy & Paste from your current EULA: If you're using custom language mixed with the Jack Henry terms today, you'll have the chance to edit your custom terms:
• You can copy relevant details from your current EULA and paste them into the custom terms you want presented with the new Jack Henry terms.
• Once you have saved your new custom EULA, your users will automatically see the new EULA + the new Jack Henry terms.
• Opt in early: If you're not using custom terms and want to switch to the new system early, you can soon! Stay tuned to future Statements for early opt-in options.
• Stand pat: Finally, if you prefer, we can take this task off your plate. Simply do nothing, and we will switch you to the new Jack Henry terms.

There's no action needed at the moment. As we get closer to releasing this change, we'll provide updates so you can prepare accordingly.

Adding Mastercard NuDetect coverage to high-risk prompts

We’re happy to announce our continued fight against fraud by adding NuDetect to our high-risk prompt. By adding this feature, we can effectively cover our apps with NuDetect in the areas most prevalent to fraud, including these:

• Changing email, password, phone number, or username
• Adding an external transfer account or when a high value transfer occurs
• When a bill payee has been added
• Enrolling in Zelle^®

NuDetect customers will begin seeing the ability to enforce scores in the coming month.

Updates to institution messages

We’re making some improvements to the institution messages feature within Banno People as we pave the way for segmented messages. Here's what you can expect to see over the next few weeks:

• A new ability to ‘send right away,’ which will begin the process of sending the message and push notifications as soon as the message has been saved
• A separate dialog for the preview, so the message configuration screen doesn't become overly busy as we continue adding functionality
• A new method to choose a deep link from the message, so you can direct users to a specific in-app view

These changes are in progress and are expected to start rolling out in mid-September. No configurations nor support cases are needed to access this functionality.

Account balance check for immediate external transfers

Next Wednesday, September 6, we will be enabling an immediate balance check during the creation of an immediate external transfer feature for the small percentage of CIF 20/20 and Silverlake customers who have not previously requested this security setting.

The security benefit

To further increase our protections against bad actors and fraudulent account takeover attempts, our security and engineering leadership teams have determined that this formerly optional feature must shift to a required setting (as detailed in the related SLA sent on August 17^*). While enabling this security feature should not be considered a magic bullet to eliminating fraud and financial loss entirely, we believe this is a step we can take immediately to help mitigate the inherent risk around money movement.

^*If you did not receive the SLA we sent on August 17, then your financial institution has already had the feature enabled.

No action needed

This change requires no action on your part, and we will apply the same balance table configuration for immediate external transfers as you have determined for immediate internal transfers. If you have any questions, please open a case on the For Clients portal; select Banno Online as your product, and our support team will can assist in updating your financial institution configurations.

Power up your PowerOns: Address Change

We are happy to inform you about several enhancements to the Address Change PowerOn.

Check out the new functionality the new-and-improved Address Change PowerOn has to offer:

• Ability to update the primary name record without the need for Tracking Record 8 linking to be in place.
• Ability to update additional name records on the account that match the address being changed.
• Ability to enable an email notification to the member when the address is changed.

For credit unions not already using this feature, it provides the option to have addresses updated directly in core without needing manual input from someone at the credit union!

If you are interested in installing or upgrading the Address Change PowerOn, please submit a For Clients portal. Need to check your Address Change PowerOn version? Just follow these steps.