We don't have many situations where someone who doesn't have signature authority has access to the account through online banking, but for example, we may have parents' account and they would like their daughter (who is not a signer on the account) to have access to online banking (and therefore bill pay) so she can balance their checkbook, pay their bills, etc. If the account owners request it, we allow it. For trust accounts, we don't allow transactions if they're not an account owner, but will allow them to view if the owner wants it.
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Opinions expressed are mine and not necessarily those of my employer.