There system allows a person to use any bank account login credentials and as long as you have a login name for lets say bank of America you can use that login to add or link any bank account you want from that same bank so if i have an account number from lets say subject A to bank of America and i have a bank of America account or happen to know someone's login i can use subject A's routing and account number and verify it with Subject B's login credentials.
Surely you are mistaken? That would be crazy.
Can anyone confirm?