Provision record
Stash · Stash Privacy Policy · View original document ↗

Bank Account Credential Collection

High severity High confidence Explicit document language Common · 290 of 352 platforms
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Document Record

What it is

Stash collects your bank account login credentials, meaning the username and password you use to log into your external bank account, in addition to your Social Security number and other highly sensitive financial identifiers.

This analysis describes what Stash's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

Collection of bank login credentials is associated with account aggregation services that access your external financial accounts on your behalf; this practice involves significant security considerations and may be subject to regulatory scrutiny regarding data access standards and consumer protection.

Clause Stability Stable

0
Changes
5
Months Monitored
May 9, 2026
First Seen
May 22, 2026
Last Seen
This clause type exists across 5149 other provisions on other platforms.

Consumer impact (what this means for users)

Stash collects your actual bank account login credentials as part of account linking, which means providing a third party with the ability to access your external financial accounts; consumers should understand what access is granted and whether it persists after initial linking.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Delete Your Data
    Contact Stash at privacy@stash.com to request deletion of your stored bank account credentials and clarify the scope and duration of account access granted through credential linking. You may also review linked account settings within the Stash app.

How other platforms handle this

Google Cloud Medium

You and your organization's administrator can access several types of Service Data directly from Google Cloud, including your account information, billing contact information, payment and transaction information, as well as product and communication settings and configurations.

Roblox Medium

To stop us collecting your location information, you can update your device settings, stop using the Service, or uninstall our mobile apps.

Notion Medium

If you registered to use Notion's Services with such an email address, but you do not use the Services in connection with your organization...you may transfer your account to a different email address.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
Your name, alias, date of birth, citizenship and passport number, visa information, home address, telephone number, email address, Social Security number, bank account number, bank routing number, bank account login credentials, bank name, employer name, employment status, and job position.

Excerpt from Stash's Privacy Policy

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

REGULATORY LANDSCAPE: The collection and use of consumer bank login credentials for account aggregation engages the CFPB's regulatory posture on financial data access, including the CFPB's Personal Financial Data Rights rule (Section 1033 of the …

Insight

Unlock the full institutional analysis

Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →
  • Federal Trade Commission (ftc)
    Oversees unfair or deceptive business practices and can investigate companies that mislead consumers about data collection, sharing, or use.
    Who can file: Anyone affected by the company's practices (US or international)
    What you need: Your account details, a timeline of relevant events, and a description of the specific issue
    What to expect: Complaints inform FTC enforcement priorities and investigations but do not result in individual resolution or compensation
    File a complaint →

Applicable regulations

CCPA/CPRA
California, USA
Connecticut Data Privacy Act Amendments
US-CT
CAN-SPAM
United States Federal
FCRA
United States Federal
FTC Act Section 5
United States Federal
GLBA
United States Federal
Indiana Consumer Data Protection Act
US-IN
Kentucky Consumer Data Protection Act
US-KY
Universal Opt-Out Mechanism Expansion 2026
US

Provision details

Document information
Document
Stash Privacy Policy
Entity
Stash
Document last updated
March 14, 2026
Tracking information
First tracked
March 15, 2026
Last verified
May 9, 2026
Record ID
CA-P-007860
Document ID
CA-D-00061
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
c314a917a32611f62e28ff71b79a50309bf3c87dea6cc7bd197833b0719565f8
Analysis generated
March 15, 2026 10:51 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Stash
Document: Stash Privacy Policy
Record ID: CA-P-007860
Captured: 2026-03-15 10:51:58 UTC
SHA-256: c314a917a32611f6…
URL: https://conductatlas.com/platform/stash/stash-privacy-policy/provision/CA-P-007860/bank-account-credential-collection/
Accessed: Sept. 8, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Stash's Bank Account Credential Collection clause do?

Collection of bank login credentials is associated with account aggregation services that access your external financial accounts on your behalf; this practice involves significant security considerations and may be subject to regulatory scrutiny regarding data access standards and consumer protection.

How does this clause affect you?

Stash collects your actual bank account login credentials as part of account linking, which means providing a third party with the ability to access your external financial accounts; consumers should understand what access is granted and whether it persists after initial linking.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.

Is ConductAtlas affiliated with Stash?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Stash.