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Citigroup and Bank of America restrict AI agents from accessing customer accounts to prevent deposit loss caused by AI agents transferring funds for higher returns. Citigroup prohibits third-party AI agents or assistants from logging into customer accounts and initiating transactions. Bank of America CEO Brian Moynihan stated that the bank restricts AI agents from accessing retail deposits and insists that fund transfers must be manually reviewed and authorized before clarifying the responsible parties for AI authorized payments.