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Is it safe to link my bank account?

Short answer

It can be, with a strong password, two-step login and alerts. The bigger risk is being tricked into sending money.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

FTC consumer advice: payment app scamsconsumer.ftc.gov
ReportFraud.ftc.govreportfraud.ftc.gov
CFPB: money transfers and appsconsumerfinance.gov