If you are hiring a bookkeeper or accountant, one of the smartest steps you can take is to grant them secure, read-only access to your business bank accounts. This allows them to view transactions and reconcile your books without the risk of making changes or initiating transfers. Most major banks now offer this feature, often referred to as an “accountant,” “delegate,” or “read-only user” role.
To set up this type of access, start by logging in to your business online banking portal. Look for options like “Manage Users,” “Account Access,” or “Security Settings.” From there, you’ll typically find an option to invite a new user. When adding your accountant, be sure to select read-only or view-only permissions, which limit their access to viewing account activity, balances, and statements—without the ability to transfer funds, write checks, or make changes.
You’ll need your accountant’s full name and email address to complete the setup. Once the invitation is sent, your accountant will receive an email prompting them to create their own login credentials. Some banks may require additional identity verification or approval from both parties before finalizing access. Popular banks like Chase, Bank of America, Wells Fargo, and Capital One all offer variations of this feature.
Providing read-only access is a secure way to streamline communication with your accountant and eliminate the back-and-forth of sending monthly statements or exports. It saves time, increases transparency, and ensures your financials stay accurate—especially during tax season or when applying for loans. If you’re unsure how your bank handles this setup, a quick call to their business support line will point you in the right direction
