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Rohan Paul· @rohanpaul_ai · X· 2026-11-05 09:24 · Original publication time AI score53

US banks diverge on AI agents as major banks restrict access and smaller banks build accounts for themMachine translation

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JPMorgan, Citi, Bank of America, Morgan Stanley and Wells Fargo are blocking or restricting outside AI agents, while smaller banks are building accounts for them. Cross River Bank reports more than $40 million in agent card payments across over 200,000 transactions in three months. Lead Bank gives agents their own account numbers for ACH and wire transfers, subject to customer-set limits and an instant lockout.

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Rohan Paul@rohanpaul_ai

The information: US banking is splitting on AI agents, with JPMorgan, Citi, Bank of America, Morgan Stanley and Wells Fargo blocking or restricting outside agents while smaller banks build accounts designed for them.

Cross River Bank reports more than $40M in agent card payments across over 200K transactions in 3 months, with airlines as the top spending category.

Lead Bank gives agents their own account numbers that can move money by ACH and wire, but only within customer-set limits and with an instant lockout.

09:24 · 2026-11-05 · UTC+8

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