Bank Connections

Securely connect your financial accounts to get comprehensive insights into your financial life.

Overview

Bank connections are the foundation of Finn's financial insights. By securely connecting your bank accounts, credit cards, investment accounts, and other financial institutions, Finn can provide you with a complete picture of your financial situation and help you make informed decisions.

What Finn Can Access

Account Balances: Current balances across all connected accounts
Transaction History: Detailed records of your spending and income
Account Types: Checking, savings, credit cards, loans, investments
Institution Information: Bank names, account numbers (masked), and account types

What Finn Cannot Access

Account Credentials: Your usernames and passwords are never stored
Personal Information: Social Security numbers, addresses, or other sensitive data
Transaction Initiation: Finn cannot move money or make transactions on your behalf
Account Changes: Finn cannot modify your account settings or preferences

How we connect

Finn connects to your financial institutions through industry-leading bank connection and data aggregation tools. We use Quiltt as our unified account aggregation platform, which in turn works with data providers including Finicity (Mastercard Open Banking) and MX to give you broad coverage and reliable, enriched data.

Quiltt

Quiltt is a unified open banking API that powers Finn's account connections. It gives us a single integration to connect you to thousands of institutions, routes you to the best data provider for your bank, and keeps connections secure and up to date. Quiltt's connector and APIs are used by fintechs to offer a smooth, secure way to link bank accounts without storing your credentials.

Finicity (Mastercard Open Banking)

Finicity (part of Mastercard) is one of the data providers we use for bank connections. It provides secure, API-based connectivity to a wide range of financial institutions. Finicity is SOC 2 Type 2 certified and maintains strong security and compliance standards, so your connection and data are handled with bank-level safeguards.

MX

MX is another key provider we use for account aggregation and enriched transaction data. MX connects to tens of thousands of financial institutions and adds categorization, merchant identification, and transaction classification (e.g. subscriptions, direct deposit) so Finn can give you clearer insights. MX's platform is built for security and scale and is widely used by financial apps and institutions.

Together, these tools let Finn offer secure connections to a large set of banks, credit unions, and other institutions while keeping your credentials safe and your data accurate and useful for insights.

Supported Institutions

Coverage is powered by Quiltt, Finicity, and MX, giving access to thousands of financial institutions across the US and beyond. Availability for a specific bank or credit union depends on which provider supports it; when you connect, we route you to the best option for your institution.

Major Banks

National Banks: Chase, Bank of America, Wells Fargo, Citibank
Regional Banks: Most major regional banking institutions
Credit Unions: Large credit unions and cooperative banks
Online Banks: Ally Bank, Capital One 360, Discover Bank

Credit Cards

Major Issuers: Visa, Mastercard, American Express, Discover
Store Cards: Most major retail and department store credit cards
Business Cards: Corporate and business credit card accounts

Investment Accounts

Brokerage Firms: Fidelity, Charles Schwab, TD Ameritrade, E*TRADE
Retirement Accounts: 401(k), IRA, Roth IRA accounts
Robo-Advisors: Betterment, Wealthfront, Acorns

Other Financial Accounts

Loan Accounts: Mortgages, auto loans, personal loans, student loans
Insurance: Life insurance policies with cash value
Cryptocurrency: Major exchanges and wallets (coming soon)

Security & Privacy

Bank-Level Security

256-bit SSL Encryption: All data transmission is encrypted using industry-standard protocols
Secure aggregation partners: Our bank connection providers (Quiltt, Finicity, MX) use secure APIs and, where applicable, SOC 2 and PCI compliance so your data is protected to industry standards
Credential safety: Your banking credentials are not stored by Finn; you authenticate with your bank or through the aggregator's secure flow
Read-Only Access: Finn can only view your financial data, never modify it
Regular Security Audits: Our systems undergo regular security testing and compliance reviews

Data Protection

Encrypted Storage: All financial data is encrypted at rest using AES-256 encryption
Limited Retention: We only keep data as long as necessary to provide our services
No Third-Party Sharing: Your financial data is never sold or shared with third parties
Compliance: We follow PCI DSS, SOC 2, and other financial industry security standards

Privacy Controls

Granular Permissions: You control exactly which accounts and data types Finn can access
Easy Disconnection: Remove bank connections at any time with a single click
Data Deletion: Request complete removal of your financial data from our systems
Transparency: Clear documentation of what data we collect and how we use it

Getting Started

Step 1: Add Your First Account

Navigate to the "Accounts" section in your Finn dashboard
Click "Connect Account" or "Add Bank"
Search for your financial institution
Select your bank from the list of supported institutions

Step 2: Authenticate Securely

You'll be redirected to your bank's secure login page
Enter your banking credentials directly with your bank (Finn never sees these)
Authorize Finn to access your account data
You'll be redirected back to Finn with your account connected

Step 3: Verify Connection

Finn will fetch your account information and recent transactions
Review the connected accounts in your dashboard
Set up any additional accounts you want to track
Begin receiving personalized financial insights

Adding Multiple Accounts

All Account Types: Connect checking, savings, credit cards, and investment accounts
Multiple Banks: Link accounts from different financial institutions
Joint Accounts: Include shared accounts with your partner or family members
Business Accounts: Connect business banking and credit accounts

Troubleshooting

Common Issues

"Bank Not Found"

Your bank may not be supported yet
Try searching with different terms or the bank's full name
Contact support to request adding your institution

"Connection Failed"

Check your internet connection
Verify your banking credentials
Try connecting again after a few minutes
Contact your bank if the issue persists

"Outdated Information"

Bank connections may take a few hours to update
Refresh your dashboard to see the latest data
Reconnect your account if data seems stale

"Account Not Showing"

Some accounts may take longer to appear
Check if your bank requires additional verification
Contact support if accounts don't appear within 24 hours

Getting Help

In-App Support: Use the help chat feature in your Finn dashboard
Email Support: Contact us at support@finn.com
Documentation: Check our FAQ and troubleshooting guides
Community: Join our user community for peer support

Bank connections are powered by Quiltt, Finicity, and MX so we can offer broad institution coverage and reliable, secure data. We're committed to making the process simple and transparent.