19% of US adults tell that an AI agent wanted their bank login
In the same survey, 77% of US adults have a concern about an AI agent that can move their money.
On 27 October 2026, the American Bankers Association, the association of US banks, released a survey by Morning Consult. The survey is of 4,402 US adults online, from 9 to 12 October, and 19% tell that an AI agent wanted their bank login or card numbers. Large US banks limit external AI agents on customer accounts.
What banks do
Reuters told on 22 October, with 2 sources, that large US banks stop external agents from customer accounts. JPMorgan CEO Jamie Dimon told on 13 October that the bank will not let in all external agents because of the risk. Charles Schwab stops agents that use client logins.
The numbers
- 77% have a concern about an agent that moves money, and 52% have a large concern.
- 80% want their bank to know if it deals with them or with their agent.
- 27% tell that it is likely that they will use an agent for their cash balance in 12 months.
What is not known
The release names no rule on agent access to customer data. It does not tell which agents wanted the logins. The group that made the survey speaks for banks.
Insight: Banks stop external agents and make their own
JPMorgan has a pilot of a smart cash product. Bank of America tells that its assistant Erica must have a person agree before money moves. Economist Torsten Slok calculates that 3% interest on $1.6 trillion of deposits, now at no interest, costs 3 banks about $47 billion a year. This reads as a toll gate: banks keep the access to the account, and the survey gives them a safety cause.
Sources
Posted
