What is the difference between OAuth and Non-OAuth connections?

Truv supports both OAuth and non-OAuth connections to ensure a wide range of financial institutions can be linked for self-employment verification. While both are secure, they differ slightly in the login process.

OAuth: Login via Secure Bank Page

• How it works: When you connect via OAuth, you will be redirected to your bank's secure website to log in. This means your login information is entered directly on your bank's page and is never shared with or stored by Truv.
• Who uses it: The majority of financial institutions use OAuth connections.
• Visual Example:
  1. You'll be redirected to your bank's website (e.g., secure.chase.com).
  2. You sign in to authenticate directly with your bank.
  3. You'll be directed back to the application (e.g., Acme Mortgage) with a successful connection confirmation.

Non-OAuth: Login via In-App Experience

• How it works: For financial institutions that do not use OAuth, you will log in through an in-app experience within Truv. Your credentials are encrypted using bank-grade security and are never permanently stored by Truv.
• Who uses it: Smaller, local banks and credit unions may not use OAuth.
• Visual Example:
  1. You will see a sign-in screen within the Truv application for your specific bank (e.g., First Northern Bank).
  2. You enter your login ID and password.
  3. A success message confirms your account is connected.

Rest assured, both OAuth and Non-OAuth connections use bank-level security to protect your information.