An Axios report on October 22, 2026 said major U.S. banks are finding unauthorized AI agents inside customer accounts. JPMorgan, Citi, Bank of America and Schwab have moved to restrict agents, with Jamie Dimon saying his bank will not let agents log in for customers. Reporting has since put the deposit stake at $1.6 trillion held without interest by JPMorgan, Bank of America and Wells Fargo, money agents could shift to higher-yield accounts. Morgan Stanley has blocked third-party agents but reports no unauthorized or rogue agents, and Schwab's CEO gets a daily report of blocked agents. The dispute is over who pays when an agent moves money; Comptroller Jonathan Gold and David Sacks have pushed back on the cyberattack framing.