Introduction
There are several test institutions and accounts you can use to simulate different scenarios and products. All test institutions simulate MoneyKit products such as account balances and routing, identity, transactions, and investments.
Credentials Bank
This institution simulates a real bank login flow using a username and password. You can control the login experience by using different combinations of username and password. You can use any other values than documented to cause the login to fail.
| Username | Password | Description |
|---|---|---|
| user_good | pass_good | Simplest login flow with no MFA questions. |
| user_good | mfa_device | Will include an OTP question where the correct code is 1234 |
| user_good | mfa_question | Will include text questions that will tell you the expected answer for a successful experience. E.g. Hello and World |
| user_good | mfa_selections | Will include a single-choice selection question that will tell you the expected answer. E.g. Blue |
| user_1 | pass_good | An account with static account names, numbers and identity. Transactions are deterministic for every link. |
| user_2 | pass_good | An account with static account names, numbers and identity. Transactions are deterministic for every link. |
OAuth Bank
This institution simulates a real bank login flow using OAuth. The user will be redirected to a webpage to log in. Note: Any login combination (even no entry!) will work here, allowing you to progress through the test OAuth screen as fast as possible. Upon completion, the webpage will redirect back to your application. This is perfect for testing your redirect setup for MoneyKit Connect.
Instant Bank
The perfect bank for rapid developer testing downstream of the login process. This bank will not ask any questions and automatically grant all requested permission scopes for all available fake accounts.
Mock Banks
Only available on Connect for Web. Mock Banks allow developers to visualize what MoneyKit will look like on production without needing to connect to production banks. These test institutions are powered by Credentials Bank and OAuth Bank; everything, except for user-facing properties (avatars, logos, name, domain) remains the same.
| Mock Bank | Institution |
|---|---|
| Chase Bank | OAuth Bank |
| Bank of America | OAuth Bank |
| Wells Fargo | OAuth Bank |
| Citi | Credentials Bank |
| Venmo | Credentials Bank |
| Ally Bank | Credentials Bank |
| Brex | Credentials Bank |
| Chime | Credentials Bank |
| U.S. Bank | Credentials Bank |
| Truist | Credentials Bank |
| Regions | Credentials Bank |
| PNC | Credentials Bank |
| First Citizens | Credentials Bank |
| Navy Federal Credit Union | Credentials Bank |
| BMO | Credentials Bank |