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

What Shared Access users can do with delegated accounts 

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

Wealth and business account owners 

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

• Complete transfers between your accounts with U.S. Bank. They can be one-time transfers or future-dated transfers (not to exceed 30 days in advance).
• Schedule bill pay payments to existing external billers*.
• Edit or cancel any one-time pending or future-dated transfer they've made. 
• Make internal payments to eligible loans and lines of credit.

Business account owners 

As a business account owner, you can also give your delegate access to your statements and mobile check deposit. These features are only available for business accounts.

• Granting access to your monthly deposit account and credit card statements.
  • Your entire statement including your full account number will be viewable.
  • Your delegate can view all your statement history. 
  • Your delegate can view your check images, if included on your statement.
  • You can add or remove this access at any time. 
• Granting access to your mobile check deposit.
  • Your deposit limits are shared with your delegate(s).
  • You can add or remove this access at any time.

What Shared Access users can't do with delegated accounts

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

More information

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

*Business account owners must have the Pro plan for their delegates to use bill pay for business. See also, What are the different plans available with bill pay for business? and How do I change my plan in bill pay for business?