Fig customer service actually never sees your bank log-in information. When you log in to your bank during the application, you're using Plaid, our bank verification provider.
They allow you to securely log in to your bank account and create a link that allows us to view your bank statements. We need the bank statements in order to make underwriting decisions, since we don't use credit scores. The bank login achieves the same results as you sending us your routing and account numbers, as well as digital bank statements, but it is much faster and safer.