How O1ne Mortgage Protects Your Bank Account Information

At O1ne Mortgage, we understand the importance of safeguarding your financial information. When you link your bank accounts to our services, you can rest assured that we employ top-notch security measures to protect your data. We partner with Finicity, a Mastercard company, to securely access your account information. This connection uses bank-level encryption to ensure the safety of your data during transfer.

Advanced Security Measures

Finicity employs additional “tokenized” access with many large financial institutions to keep your username and password confidential. When you connect your account, you log in using your online bank credentials to verify access. Alternatively, your bank may send a token—a key that unlocks access to your account. This security measure allows Finicity and O1ne Mortgage to access your account information without storing your username and password. In some cases, Finicity will create and share “substitute” account numbers with us, which function like your actual account numbers. You can choose which accounts to share and revoke access at any time.

Data Anonymization

While we do retain certain types of personal and financial information from your connected accounts, such as records of on-time payments, this data is fully anonymized. This means that even in the unlikely event of a data breach, attackers would not be able to access your linked accounts.

How to Link Your Bank Account to O1ne Mortgage

Linking your bank accounts to O1ne Mortgage is a straightforward process that can enhance your financial management and potentially improve your credit score. Here’s how you can do it:

Step-by-Step Guide

1. **Open a Free O1ne Mortgage Account**: If you’re not already a member, the first step is to open a free account. With your O1ne Mortgage account, you can review your credit report, manage your credit, check your FICO® Score for free, and access various financial tools.

2. **Navigate to Account Settings**: Once logged in, go to your account settings by hovering over the profile icon in the top right corner. Select the connected accounts tab to see which bank accounts you’ve linked and their status.

3. **Link a New Bank Account**: Click the “+ Connect Bank Account” button to link a new account. Choose whether you want to use the linked account with our financial tools. Find your bank by typing its name and follow the prompts to authorize data sharing. Log in to your bank account to confirm access, and you may need to enter a verification code sent to your phone or email.

4. **Select Accounts to Link**: If you have multiple accounts at the same bank, such as checking and savings accounts, you can choose which ones to link. Complete the process by confirming your choices and agreeing to any remaining terms or conditions.

Supported Financial Institutions

O1ne Mortgage strives to support linking with most financial institutions. However, there may be instances where your account is not eligible for all our financial tools.

How to Unlink Your Bank Account from O1ne Mortgage

If you decide to unlink your bank account from O1ne Mortgage, the process is simple:

Unlinking Process

1. **Go to Connected Accounts Tab**: Navigate back to the connected accounts tab in your account settings.

2. **Click Disconnect**: Click the disconnect button next to the account you wish to unlink.

Once you unlink your account, O1ne Mortgage will no longer offer personalized insights based on that account’s activity. If the account was linked to our financial tools, any identified bills will be removed, and we won’t receive additional payment history for bills paid from the account. This could result in the loss of any FICO® Score point increases you gained by linking those accounts.

Data Retention

While unlinking your account stops the data flow, O1ne Mortgage may not delete the information from its databases entirely. You can request, correct, or delete your personal data from our personal data page.

The Bottom Line

O1ne Mortgage’s free financial tools can help you improve your credit score and manage your finances more effectively. By linking eligible accounts, you can take advantage of these features while knowing that your data is protected by advanced security measures. For any mortgage service needs, call us at 213-732-3074. We are here to help you navigate your financial journey with confidence and security.

Ready to take control of your finances? Contact O1ne Mortgage today at 213-732-3074 and let us assist you with all your mortgage needs. Our team of experts is dedicated to providing you with the best service and support.