I guess I understand them feeling a bit apprehensive about giving a Log in...but then again they feel comfortable enough taking money and having us ACH it daily... It seems most Banks either use Decision Logic or are able to take a screenshot....one time they(I forget which Lender) did just call the bank for verification. I have felt like saying ,"okay so no log in, no money" to them once or twice but there are usually multiple ways to get it done.