Don't hand your bank password to an agent
Axios reported on Oct 22 that big US banks are finding AI agents inside customer accounts, often signed in with the customer's own password. JPMorgan, Bank of America, Citi and Morgan Stanley are restricting agent access, and a Chase spokesperson said customers shouldn't give their username and password to anyone. Most banks are moving toward read-only access instead.
The lesson: Keep bank logins out of agent chats. Work from downloaded statements or read-only access, and check your bank's rules before you connect an agent.
Copy this prompt
Help me with my bank account without logging in for me. I'll download my last [3] months of statements as PDF or CSV and attach them here. From those, [TASK, e.g. list my recurring charges]. Never ask for my bank username, password or one-time codes, and tell me if a step would need them.
Our own prompt, built around the lesson. We haven't run it ourselves. Text in [BRACKETS] is what you replace.
Where this comes from
Original article by Madison Mills on Axios, Oct 22, 2026. We rewrote it in our own words. Check the original for the full context.
Read the originalGuides for this job
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