JPMorgan blocks external AI agents from accessing customer accounts

JPMorgan Chase has a message for the AI agents of the world: you’re not on the list. During its third-quarter earnings call on October 13, 2026, the bank said it is blocking outside AI agents from directly accessing customer accounts. Executives cited security risks, client protection and a growing worry about software acting on people’s behalf without enough guardrails. What Dimon and Barnum actually said CEO Jamie Dimon framed the decision as a matter of risk, for customers and for the bank itself. “We’re not going to allow just any outside agent to come in inside the company because that’s just too risky for clients and for JPMorgan.” He also warned about rogue agents. Think of these as AI tools that go off script, get hijacked, or simply do something the customer never intended. Dimon raised a second concern: liability. When a customer hands an AI agent access to their account, responsibility for what happens next gets murky. If the agent moves money it shouldn’t, who eats the loss? The customer, the AI company or the bank? CFO Jeremy Barnum added that the bank is working to prevent unauthorized access to customer information. He confirmed it is blocking third-party access “to ...