Harbor wireframe — Instant bank linking

Instant bank linking

Linking an external bank account (UC-2c) via the provider-hosted (Plaid-style) flow: consent, pick the institution, sign in on the provider's secure page, select the account, and connect. Manual entry with micro-deposit verification is the fallback when instant linking isn't available.

Instant linking — happy path (credentials entered on the provider, never in Harbor)

1 · Consent

9:41

Connect your bank

Secure, encrypted connection

We never see your login

Verifies the account instantly

via provider

Agree & continue

2 · Find your bank

9:41

Select bank

Search institutions

Pick your external bank

3 · Sign in to bank

9:41

Your bank

Username

Password

Entered on the bank's secure page

4 · Select account

9:41

Which account?

Checking ••1234

Savings ••5678

Choose the account to link

Link account

5 · Connecting

9:41

Connecting securelyVerifying — a few seconds

6 · Linked

9:41

Account linkedFirst-time payee — code next

Checking ••1234

Continue to amount