What are the different user roles?  

In Online Banking for Business, there are 5 user roles. Each one comes with a different level of authority and responsibility. Here’s a summary: 
 

Primary Customer Administrators (PCA)  

PCAs are created by BMO. They are from your company, have the highest level of administrative authorization and are the main point of contact for all inquiries and issues related to Online Banking for Business. They can:  

• Register for self-enrolment services and accept online agreements on behalf of the company. 
• Modify other PCAs. 
• Create and modify Admins and Users.  
• Manage entitlements and transaction limits for all accounts and services they are entitled to administer, even if they themselves are not entitled to use the service.

To create a new PCA, please contact your BMO representative.
 

Admins  

Admins are created by PCAs or other Admins. They can: 

• Register for some self-enrolment services and accept online agreements on behalf of the company. 
• Modify PCAs. 
• Create and modify other Admins and Users.  
• Manage entitlements and transaction limits for accounts and services if they themselves are entitled to the service.  
• Increase other users’ transaction limits beyond their own transaction limit, provided they don’t exceed company-level limits.  

For example, If the Admin has a personal transaction limit of $500 in the Wire Payment service, but the company-level limit is $1,000, the Admin will be able to increase wire payment limits for other users up to $1,000. 

• Entitle other users to access additional accounts within a specific service, even if they themselves are not entitled to use the additional accounts, provided the accounts are available at a company level.  

For example, If the Admin only has access to 1 account in the Wire Payment service, but at a company level, 3 accounts are available to use with the Wire Payment service, the Admin will be able to entitle other users to access all 3 accounts. 

Users  

Users are created by PCAs and Admins. They: 

• Can access specific accounts and services, as determined by their entitlements. 
• Cannot modify account or service entitlements. 

Documentation Admins  

Documentation Admins have a limited administrative role. They: 

• Can complete, sign and submit digital legal documents on behalf of the company. 
• Can create Documentation Users and delegate certain tasks to them. 

Documentation Users  

Documentation Users have a limited role. They: 

• Can complete and submit digital legal documents on behalf of the company and may also be authorized to sign them.