Two reasons to link accounts
“Link my bank accounts” covers two different jobs, and the setup is different for each:
| You want to | What you set up | Where |
|---|---|---|
| Move money from one bank to another | An external account link | Your bank’s transfer settings |
| See every balance and transaction together | A read-only connection to each bank | A budgeting app, or BankBridge for your AI agent |
Many people need both: a transfer link between checking and a high-yield savings account, and one place that shows the whole picture.
Link two bank accounts to move money
Every bank names the menu a little differently (External accounts, Link an account, Add a transfer account), but the steps are the same:
- Sign in to the bank you want to send money from and open its transfer settings.
- Choose to add an external account and enter the other bank’s routing number and your account number there. Both are on a check or in that bank’s account details screen.
- Verify that you own it. Most banks offer instant verification, where you sign in to the other bank in a secure window, or two small trial deposits that arrive in one to three business days and that you confirm by entering the amounts.
- Send a small first transfer to check it lands where you expect.
Standard transfers between banks usually take one to three business days. Accounts at the same bank under your name normally appear together under one login already, so linking is only needed across banks.
A transfer link has one gap: each bank still shows only its own side. The money leaves checking and shows up in savings, and neither screen tells you what you have in total.
See all your bank accounts in one place
To see every account together you connect each bank, once, to one service that reads from all of them. You sign in to each bank inside a secure window and approve read-only access; the service never gets to move money. Budgeting apps work this way and give you their own screens and charts.
If you already use Claude, ChatGPT or a coding agent, you can skip the extra app and ask the agent directly. That is what BankBridge is for: it connects your banks to the agent you already use, so “what do I have across all my accounts?” gets a real answer in the chat.
Connect every bank to one AI agent
- Add BankBridge to your agent. Setup pages cover Claude, ChatGPT, Cursor and every other supported app.
- Connect your first bank. Not sure it’s supported? Check your bank first; BankBridge works with US banks, credit unions, card issuers and brokerages.
- Click Connect a bank again for each additional bank. One connection covers every account at that bank, so your checking, savings and card at the same bank count as one.
Each connected bank is $5 a month, or $50 a year on the annual plan. A typical setup of a main bank, a savings bank and a brokerage is three banks, $15 a month. Your agent sees up to 24 months of transactions from each, fetched live on every question. The full walkthrough, with common layouts and edge cases like joint and business accounts, is in how to connect multiple banks to one agent.
What to ask once they’re linked
Questions that need every bank at once, and that no single bank app can answer:
What is my total cash across every checking and savings account right now?
Ask in Claude · Ask in ChatGPT (with BankBridge connected)
List the transfers between my own accounts last month so I don’t count them as spending.
What did I spend on groceries last month across all my cards?
Transfers between your own banks look like spending on one side and income on the other. Ask the agent to pair them up, as covered in when a transfer is really spending and stop double-counting credit card payments.
Want to see it before connecting anything? The demo account has a year of a made-up household’s transactions. Add it to your agent from the demo dashboard, then ask: “What is my total cash across every account?” (what’s in the demo)