# Major US banks block AI agents that log in with customer credentials

> Original title: Major US banks are locking out AI agents that log in with customer credentials

- Source: The Decoder
- Published: 2026-10-22T18:26:02.000Z
- Bad Influence: https://badinfluence.news/items/qu4kv2f2a4338anabr010bpkp
- Original: https://the-decoder.com/major-us-banks-are-locking-out-ai-agents-that-log-in-with-customer-credentials/

## Summary

Several major US banks, including Morgan Stanley, JPMorgan, Bank of America, and Wells Fargo, are restricting external AI agents that use customer-provided credentials to access accounts, according to Axios. The banks say such access violates policies requiring account holders to log in personally. Most banks want to limit agents to read-only access, and many cannot tell whether an agent acts for a user or on its own.