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I signed up for Mint.com once. I liked the concept in theory. But then after an hour of using it, I realized just how incredibly stupid it is giving a third party total access to all your bank accounts. Then I immediately went and changed the passwords on all my bank accounts.

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For most large banks it's read only access through purpose built scraping API's. Mint won't be stealing your funds. Generally this is due to Regulation of the financial information space.

But you still have to give them your regular (read/write) credentials.

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