Give your bookkeeper safe access to the bank feed. Without ever sharing a password.

Never share your banking password with anyone, including your bookkeeper. Every major bank has an official way to grant a second person their own login, with its own permissions, that you can revoke any time.

Jump to your bank → My bank has no delegate feature
SOC 2 infrastructure: encrypted at rest and in transit Read-only access: we can't move money, disconnect anytime Private by design: your exact amounts never enter our logs or analytics

A shared password is not a convenience. It is a liability.

Every major bank's online banking agreement requires you to keep your credentials confidential. When you hand your password to a bookkeeper, two things happen quietly:

  • You break the bank's terms. Credential sharing violates essentially every online banking agreement, no matter how much you trust the person.
  • You can void zero-liability fraud protection. The bank treats everything done under your login as authorized by you. If something goes wrong on a shared credential, the loss can land on you, not the bank.

A bank-issued delegate login solves both. The bookkeeper gets their own username, their own password, and only the permissions you grant. Fraud protection stays intact.

Find your bank. Follow the path.

Each card names the bank's official delegate feature and the menu path as of mid-2026.

How do I add a bookkeeper on Chase?

In Chase Business online banking, open Account Management → Access & Security Manager and choose Add authorized user. Create their user ID and set each account to View only (or Transact if they pay bills).

  • On the user rights screen, enable Third-party app access so their login can authorize read-only feeds like TreasuryFlow.
  • Chase emails them a temporary password.
  • Menus move; search Chase's help for "Access & Security Manager".
How do I add a bookkeeper on U.S. Bank?

U.S. Bank business accounts include Shared Access. From online banking, add a Shared Access user and pick a role: View only or View and transact. View only is the right default for a bookkeeper who does not pay bills.

  • You can review every Shared Access user's activity and change or revoke access any time.
  • Menus move; search U.S. Bank's help for "Shared Access".
How do I add a bookkeeper on Bank of America?

Bank of America small business online banking offers sub-users through Account Management (you may need to enable it on your profile first). Add a user, assign view-only access per account, and they get their own login.

  • App connections sometimes must be made at the parent (owner) account level; if your bookkeeper's sub-login cannot complete a feed connection, use the connect-link fallback below.
  • Menus move; search Bank of America's help for "sub user".
How do I add a bookkeeper on Wells Fargo?

Wells Fargo's Account Access Manager lets you create a Guest User with view-only access to the accounts you choose: balances, activity, and statements.

  • Guest Users often cannot authorize app connections, so you usually connect the feed yourself: grant the Guest User login, then use the connect-link fallback below for the feed.
  • Menus move; search Wells Fargo's help for "Account Access Manager".
How do I add a bookkeeper on Capital One?

Capital One supports adding an Account Manager, an authorized user with their own login, from your online account.

  • App connections on Capital One are often restricted to the primary account holder, so plan on the connect-link fallback below for the feed.
  • Menus move; search Capital One's help for "Account Manager".
How do I add a bookkeeper on PNC?

In PNC online banking, go to Business Tools → Account Delegation and Add Sub User. You choose their role and which accounts and features (activity, online statements, check images) they can see.

  • Feeds connected on PNC sometimes need periodic re-authorization by the account owner, so expect the occasional 30-second re-confirm on your side.
  • Menus move; search PNC's help for "Account Delegation".
How do I add a bookkeeper on Truist?

In Truist online banking, open Business Tools → Business Admin and use the Manage Users page to add a user. Pick View only (or Custom access to scope specific accounts).

  • As with PNC, feeds sometimes need the owner to re-authorize periodically.
  • Menus move; search Truist's help for "Business Admin".
How do I add a bookkeeper on Citizens or Fifth Third?

Both banks offer secondary user permissions in business online banking that generally support view-only access and app connections, though we have not pinned the exact current menu path here.

  • Search your bank's help for "add a user" or "secondary user", grant view-only, and have your bookkeeper connect with their own login.
  • If the connection is blocked, the fallback below always works.
How do I add a bookkeeper on Relay, Mercury, or Bluevine?

The business-banking fintechs make this the smoothest path of all. If you bank at one of these, invite your bookkeeper from the team or accountant settings and you are done in minutes.

  • Relay: a Partner Portal where accountants and bookkeepers manage multiple clients from one login with scoped permissions.
  • Mercury: team roles and a dedicated accountant partner program.
  • Bluevine: an Accountant Dashboard with the bookkeeper's own credentials across every client.

The 30-second fallback: the TreasuryFlow connect link.

Some banks have no delegate feature. Others grant the login but block app connections from it. The feed still only takes 30 seconds of the owner's time.

1

Bookkeeper requests the link

From inside TreasuryFlow, the bookkeeper (or any teammate) sends the owner a connect link by email: the "invite the person who manages your bank access" flow.

2

Owner clicks, signs in at their bank

The owner opens the link and authorizes the connection inside their own bank's login. Credentials go to the bank, never to the bookkeeper, never to us.

3

The feed is live

The link is scoped so it can only connect a bank. It expires in 7 days and never exposes account data to whoever holds the link.

Available in every TreasuryFlow account, on every plan.

Sign in and send a connect link → TreasuryFlow for firms

The questions owners actually ask.

Is it against my bank's rules to give my bookkeeper my password?

Yes. Every bank's online banking agreement requires you to keep your credentials confidential, and sharing them can void the bank's zero-liability fraud protection: activity under your login counts as authorized by you. A bank-issued secondary login keeps that protection intact.

What access level should I give my bookkeeper?

View-only, unless they pay bills for you. View-only lets them see balances, activity, and statements, and connect read-only feeds, without the ability to move money. If they run payroll or pay vendors, grant transact on only the accounts they need.

Does TreasuryFlow ever see my banking password?

No. Bank connections are read-only via Plaid, the same infrastructure behind Venmo and Robinhood. Your credentials go directly to your bank; TreasuryFlow receives only a read-only token, cannot move money, and never sees a banking password.

What if my bank has no delegate feature?

Use the connect link. Your bookkeeper sends you a scoped link; you click it, authorize inside your own bank's login, and the feed is live. The link only connects a bank, expires in 7 days, and never exposes your data.

Who should create the secondary login, me or my bookkeeper?

You, the account owner. Banks intend the owner to provision the secondary user from inside online banking. Your bookkeeper should never create or hold credentials on your primary login. Once their own login exists, they connect feeds with it.

Get started

One safe login. One live feed. Zero shared passwords.

Set up the delegate login once, connect the feed, and your bookkeeper works from live bank data every morning.

Sign in to TreasuryFlow → TreasuryFlow for firms