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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 Plaid, the industry-leading bank connection and data aggregation platform. Plaid powers connections for thousands of fintech companies and financial institutions, providing secure, reliable access to your financial data.

Plaid

Plaid is the trusted open finance platform that powers Finn's account connections. Plaid connects to over 12,000 financial institutions across the US and Canada, giving you broad coverage and reliable, up-to-date data.

When you connect an account, Finn uses the Plaid Link SDK to open a secure connection flow directly within the app. You authenticate with your bank through Plaid's interface — your credentials never touch Finn's servers. Plaid uses tokenized access (Link tokens) so that only secure, short-lived tokens are exchanged between your bank, Plaid, and Finn.

Plaid is widely used by major fintech companies and is trusted by millions of consumers to safely connect their financial accounts. It supports transaction syncing, investment holdings, liabilities, and more — all through read-only access.

Supported Institutions

Plaid connects to over 12,000 financial institutions across the US and Canada, covering the vast majority of banks, credit unions, and other financial providers.

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

Security & Privacy

Bank-Level Security

  • 256-bit SSL Encryption: All data transmission is encrypted using industry-standard protocols
  • Plaid Security: Plaid is SOC 2 Type 2 certified and undergoes regular third-party security audits, so your connection and data are protected to the highest industry standards
  • Tokenized Access: Your banking credentials are never stored by Finn — Plaid uses secure Link tokens so credentials stay between you and your bank
  • 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 tap
  • 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

  1. Navigate to the Accounts tab in Finn
  2. Tap Connect to begin adding a new bank connection
  3. Plaid Link will open within the app

Step 2: Authenticate Securely

  1. Search for your financial institution in Plaid Link
  2. Select your bank from the list of supported institutions
  3. Enter your banking credentials directly with your bank through Plaid's secure interface — Finn never sees these
  4. Complete any multi-factor authentication your bank requires

Step 3: Verify Connection

  1. Once authenticated, Plaid exchanges secure tokens with Finn
  2. Your connected accounts will appear in the Accounts tab
  3. Finn will begin syncing your account balances and recent transactions
  4. Begin receiving personalized financial insights

Adding Multiple Accounts

  • All Account Types: Connect checking, savings, credit cards, investments, and loan 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 by Plaid 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 are correct
  • 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 after initial sync
  • Pull down to refresh your accounts to see the latest data
  • Reconnect your account if data seems stale

"Account Not Showing"

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

Getting Help

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

Bank connections are powered by Plaid, the trusted open finance platform used by thousands of fintech companies. We're committed to making the process simple, secure, and transparent.

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