With the Arizona sun blazing and temperatures soaring well past 100 degrees already this June, it's a reminder that time flies. If you, like many, planned on gardening after those April showers and May flowers but haven't gotten around to it, now's the perfect moment. Similarly, our digital banking enhancements have been flourishing. We've been busy cultivating a host of new features and improvements, from Banno Business updates to the new system for verifying call-in users, all designed to enhance your digital banking experience.

Holly Brouillette
Sr. Technical Product Manager
Jack Henry & Associates

Don’t miss out: Moov enrollment + live office hours!

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.

New: Live office hours with the product team

Need a better understanding of how Jack Henry Rapid Transfers works? Got outstanding questions? Join our live office hours hosted by the product team! These sessions are a great opportunity to get a deeper look at the product, ask questions, and share any concerns directly with the team.

Spots are limited, so be sure to register using the link below before they fill up. This is your chance to address any items that may be blocking your progress – and ensure that you're set up for success ahead of launch. Please sign in to your Jack Henry University account and enroll for the office hours. The single enrollment gives you access to attend any (or all) of the following sessions:

• Monday, July 7 at 12pm CT
• Wednesday, July 9 at 2pm CT
• Monday, July 21 at 12pm CT

In the mean time, please give us a shout if your financial institution has any questions about Jack Henry Rapid Transfers, Merchant Acquiring, or our partnership with Moov.

ISO^® 20022: Conversion weekend expectations for Banno, Treasury Management, and NetTeller

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 be 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 preperation 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.

New ESI notices for ISO 20022 Wires

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.

New permissions for Identity App

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.

Password reset UX enhancements for Unified Identity Service

End users with Treasury Management and Unified Identity Service now have a more intuitive experience for resetting passwords.

Whether they initiate the process in Banno Online or Treasury Managment, 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.

Checking Banno Platform status

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.

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.

Warning Codes for credit unions

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 knowledgable 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.

Disaster recovery exercise

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.

Expected impact & preparation

As workloads shift and services are brought online, we expect the platform will experience intermittent disruption for the duration of the exercise. To reduce the chance of interruption, any traffic allow/deny lists that your financial institution or your vendors manage should be updated to include the source networks for Banno Platform traffic from both GCP regions listed in the June 11 SLA referenced above.

Note: Security best practices prevent us from listing these source network IP addresses here, so please refer to the related SLA. Heads up that this is the same information we communicated during the original migration to GCP last year, so your team may have already added the IP addressess to your traffic allow lists.

Enterprise password requirements

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.

🎗️Forget-me-nots🎗️

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!

Toolkit Corner: Connecting customer identities with other system identifiers

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.

A new way to verify call-in users

For those of you looking to improve the security and efficiency of call-in verification, read on!

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.

High risk action blocking updates

We’ve been busy with our suite of high risk action blocking features, with multiple enhancements rolled out or in the process!

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.

New labels in the devices list

Also released in early June, the devices list on a user’s profile in People now displays which devices are anchor devices (regardless of setting, as knowing your users' more trustworthy devices can help in multiple ways) as well as which devices are Restricted – a designation indicating the device was previously removed from the user’s profile (remove with caution!), and the result is that the device cannot become an anchor device, nor will it be automatically unblocked by the waitlist setting. Initially, the Restricted label appeared even if you weren't blocking new devices, but as of June 26, it only appears if one of the blocking settings is enabled.

High risk action blocking reports

We’ve been hard at work to get this data in your hands, and it's almost here! Soon, you'll be able to head to Banno Reports > Create request to access the full list of blocking events, plus the users and devices they’re associated with.

Anchor device verification

We have expanded our beta for anchor device verification and are preparing to roll it out more broadly. Keep an eye out as this setting will become available to everyone in the coming weeks!

A glimpse into the future of the Banno Support™ product

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.

Unified approach to support

We're developing a new, unified support platform that will serve as a central hub for all your customer interactions. This platform is being built to scale with your needs, from simple inquiries to complex case management, and is tailored specifically for the unique demands of banks, credit unions, and financial services teams.

Our philosophy for this new platform is a balanced blend of proactive and reactive support, offering both robust self-service options and efficient human assistance. Imagine in-app guidance, helpful AI nudges, and auto-suggested FAQs that empower your teams and end-users to find answers quickly. When human interaction is needed, our goal is to make it even more streamlined, whether through live chat, phone support, or a follow-up email.

Key enhancements to anticipate

These upcoming changes are designed with your efficiency and productivity in mind, so your team can resolve issues faster and provide even better service to your accountholders. Here are a few noteworthy advancements you can expect:

• Smarter support with AI enhancements
• Intuitive user interface and experience (UI/UX Overhaul)
• Streamlined conversation management

We appreciate your partnership as we prepare for these exciting developments. Look for more details in upcoming Banno Statements and Digital Banking Meetups, where we'll delve into specific features and their benefits.

Introducing Guest Conversations – for elevated, early engagement

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.

What is Guest Conversations?

Guest Conversations is an integrated chat solution built directly into your public-facing marketing sites. It lets individuals who aren’t logged in – or who may not have an account yet – ask questions and receive seamless support. Think of it as extending your personalized service to every visitor, the moment they interact with your website.

If your financial institution leverages the power of JHA OpenAnywhere™, we've got more great news. Can you guess? Yep, that's right, we're building a Guest Conversations integration for OpenAnywhere, too!

Key benefits for your financial institution

This new feature brings a host of advantages, designed to streamline your operations and enhance the prospective customer journey:

• Boost engagement & reduce drop-off
• Seamless integration
• Simplified & focused scope
• Unified workflows
• Reduced vendor sprawl

Looking ahead

Look for more details on Guest Conversations in upcoming Banno Statements, where we'll share deeper dives into specific functionality and the benefits for your financial institution!

Mobile free-form wires available July 14

As a reminder, the TM Mobile Experience will support free-form wire entry effective July 14. This new feature will be made available to all Treasury Management customers with the migration to ISO 20022 Wires that same day.

Transfer templates for Treasury Mobile Experience

The ability to create new and manage existing transfer templates is now available (as of today, June 30) for all Treasury Management banks!

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.

Documentation updates

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 your all Jack Henry products!