美国银行提醒客户不要向 AI 助手共享银行账号密码
美国银行向客户发送邮件，提醒切勿将网银用户名和密码共享给任何 AI 助手或代理工具。随着个人 AI 助手普及，银行警告此举可能导致资金未经授权被操作、账户被锁定或凭证因安全漏洞泄露。根据多数银行的账户协议，客户需自行承担向第三方或 AI 提供登录凭证所产生的一切活动责任。
2:44 PM PDT · October 27, 2026
Financial giant Bank of America is reminding customers to bank safely by kindly not sharing your banking credentials with your AI agent.
In an email blast to customers titled “Protecting your finances in the Al World,” Bank of America urged customers to never share their username and password with another person or an outside service, “including an Al-enabled tool or agent that offers to act on your behalf.”
You can practically sense the frustration in the person sending the email. Still, customers are increasingly handing over their log-ins as personal AI assistants grow more popular. Sharing your banking username and password with an AI assistant runs the risk that it could do something with your finances without your knowledge, or that your bank thinks that someone’s raiding your account and locks you out of it. Worse, a security flaw in the AI assistant could result in it leaking your banking credentials elsewhere, giving financially motivated hackers a way into your bank account.
This latest warning comes as banks are still exploring how AI agents fit into the financial world but are reportedly grappling with unauthorized agents accessing their customers’ money. As we discussed on stage at TechCrunch Disrupt, banks, payment providers, and processors at still trying to figure out how to allow customers access to their bank accounts using AI tools, such as for agentic payments, which allow people to set agents to autonomously buy things at the best price or the right time.
Bank of America did not immediately respond to a request for comment about the email. But heed the bank’s warning, for if things go wrong, it’s on you. Account agreements at most banks hold customers responsible for anyone they give their login to. “If you do share your credentials,” its email reads, “keep in mind that you’re responsible for activity resulting from that access.”
(via Bryan Toporek)
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Zack Whittaker is the security editor at TechCrunch. He also authors the weekly cybersecurity newsletter, this week in security.
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来源：TechCrunch：AI · techcrunch.com