Treasury Services

🔒 Your Account's Security Just Got an Upgrade

At Luminate Bank, protecting your financial future is always a top priority. As technology evolves, so do the tactics of online fraudsters - which is why we're stepping up our security game.

We're rolling out Unified Identity Service (UIS), a new and improved way to log in that replaces our old multi-factor authentication. It uses industry-standard technology to better protect your account from increasingly sophisticated online threads - so you can bank with confidence.

Unified Identity Service (UIS) and Mobile App Enhancements

What's changing - and what do you need to know?

Why the change?

UIS gives you stronger, more flexible security. It goes beyond traditional multi-factor authentication for safer, smarter account access.

What do I need to do?

Keep an eye out for an email from our Treasury Management Platform on April 9th, 2025 at 9am Central Time. That email will have a link to start the upgrade.

⏳ Heads up:

The link is only active for 7 days
Once clicked, you’ll have 45 minutes to complete your setup

Access Treasury on the Go - Access our NEW Progressive Web App

Stay connected to your account—anytime, anywhere. With the updated Treasury mobile experience, you can securely log in, approve transactions, and manage your finances right from your phone or tablet.

👉 Visit: https://tm.luminate.bank/pwa/luminatebank/login

This link will take you directly to our Progressive Web App (PWA)—no App Store download required.

Sign into the app, then install to your mobile phone. Any previously downloaded apps from the google play or App Store will be sunset.

Need help?

Our Treasury Services Team has your back.

📞 507-528-2484

📧 treasury@luminate.bank

💬 Or message us securely in the Treasury Portal

Unified identity service and mobile app enhancement guides

UIS Brochure

Mobile App Guide

Unified Identity Service (UIS)

FAQs

Can I use UIS on mobile?

Yep!

Just head to 🔗 https://treasury.luminatebank.com/pwa/login

Will I still use my token for ACH and wire payments?

Yes, no changes there.

You'll still use your token code + 4-digit PIN for secure transactions

Can I keep my current username?

Maybe!

Usernames now need to be unique across all Luminate Bank platforms. If yours isn't, try combining your current username with your Treasury Company ID.

New Username requirements

• 4–64 characters
• Letters, numbers, dashes (-), underscores (_), apostrophes ('), periods (.)
• Cannot include: accents, ampersands (&), equal signs (=), plus signs (+), @, commas, or double periods
• Can’t start or end with a period or space

new password requirements

• 8–64 characters
• Can’t match or contain your username
• Can’t start or end with a space

What if I have multiple treasury logins?

If you use the same email across different Companies:
• You’ll get separate setup emails
• Use the first to create your Digital ID
• For the rest, choose “Already have a Treasury Bank ID?” to link accounts
After setup, you can choose which Company to access when logging in.

Can I use "remember this browser?

Yes!

That feature still works.
Just know: if you log in from a new browser or location, you’ll be asked to verify your identity for security.

Benefits of UIS

Unified Identity Service (UIS) gives you stronger, smarter security—protecting your account with advanced authentication, faster logins, and a seamless experience across devices.

Get in Touch with Us

Whether you're ready to begin a partnership, have questions about our services, or need support, our team is ready to assist you. At Luminate Bank, your business success is our top priority.