The institution starts the Passage request today.
The bank or credit union must use Passage before it can invite you. It reviews the request and makes its own decision.
Passage in plain English
Help someone with their account. Know what the bank needs.
A power of attorney is a legal document that lets someone act for another person. The bank still needs to review it. Passage keeps that request and the bank’s answer in one place.
A simple example
Maya helps her grandmother Eleanor manage her bank account.
Eleanor has a power of attorney that names Maya. That document does not automatically make Maya known to the bank or give her online access.
If the bank uses Passage, the bank starts a request and invites both women. The bank checks who they are, reviews the document, decides whether it will recognize Maya, and records exactly what Maya may do.
That is the purpose of Passage: help everyone know what the bank needs and what it has decided.
How it works today
Four steps from request to answer
- 1
The institution starts the request
It enters the account holder, the person acting for them, the account involved, and what the person acting for them wants to do.
- 2
Each person confirms their part
The account holder and the person acting for them receive different private links. Each sees only the questions meant for them.
- 3
The institution performs its checks
The institution follows its own process to check identity, review the power of attorney, and apply legal, fraud, and account rules.
- 4
The institution gives an answer
It accepts the request, accepts it with limits, or rejects it. Passage shares a receipt showing the decision.
The bank checks who each person is.
A Passage link protects access to one person's part of a request. It is not, by itself, proof of identity. In a pilot, the institution must choose and complete its required customer and representative identity checks before accepting a request.
A decision receipt shows the result.
The receipt is a saved copy of the bank’s answer. It shows who can do what, for which account, and until when. It also shows the reason and any later changes.
Passage does not approve anyone.
It does not create a power of attorney, decide that a document is legally valid, verify identity, grant account credentials, change ownership, or move money.
Follow an example from start to finish.
See what each person does, what the bank checks, and how everyone sees the answer.