Agreed on the SSL bit - we ask all our businesses to use it but we didn't put it on our test site. That's embarrassing I'm putting it up now.
And yes, we serve the 30 banks that constitute 60% of banking volume in the US, and at least 60% of banking customers (although we suspect more, since many people who have a smaller account have a top 30 account too). We're increasing that number, but you can turn our system on so that when we don't integrate, you can still send account number and we do ACH the traditional way.
As for you not wanting to login to your online banking - you may be right! You may never do it. However, I've heard that before from a lot of people who turn right around and use Knox 30 seconds later and then become customers - so I hope you're in that group! There are some people who will be cautious, but it's actually smaller % of people than I initially thought it would be.
I don't have a US bank account so this doesn't affect me, but just speaking as "Joe Consumer" you may want to address parent's point about the bank's T&C, since that was the only part of his comment that jumped out at me and the only part you didn't address.
It doesn't. Thank you for pointing that out. Mint did a lot of the work for us here to be honest, they made it really easy to get this stuff out of the way.
And yes, we serve the 30 banks that constitute 60% of banking volume in the US, and at least 60% of banking customers (although we suspect more, since many people who have a smaller account have a top 30 account too). We're increasing that number, but you can turn our system on so that when we don't integrate, you can still send account number and we do ACH the traditional way.
As for you not wanting to login to your online banking - you may be right! You may never do it. However, I've heard that before from a lot of people who turn right around and use Knox 30 seconds later and then become customers - so I hope you're in that group! There are some people who will be cautious, but it's actually smaller % of people than I initially thought it would be.