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Why does Happy Mango need my bank login information (username and password)?

We need your online banking user name and password to establish a secure connection with your bank or credit card company for two purposes. First, for both users and members of their trust bank, this allows us to verify your identify without having to ask for the most sensitive personal identification such as social security number. Second, for users only, this gives us access to your bank and credit card statements. Information on those statements enables Happy Mango to calculate your credit score accurately and present your financial story completely. We do not see your account number and cannot move money out of your account.

Do you store my bank login information on your servers?

No.  Happy Mango does not store your online login credentials.  Once a connection with your bank is successfully established, your online login is no longer necessary for us to retrieve your bank statement information from the bank.

Am I at greater risk of someone stealing my identity by using your service?

No. At no time does Happy Mango ask you for any of the following information that would be required for a hacker to steal your identity:

  • Social Security Number
  • Bank Account Number
  • Credit Card Account Number
  • Billing Address
Can Happy Mango view my bank account numbers or credit card numbers?

No. Your bank account and credit card numbers are not available to Happy Mango.

How can I protect my Happy Mango account?
  • Don’t share your Happy Mango password or your other passwords with anyone.
  • Make sure that your password is complex, including both numbers and capital letters.
  • Be certain that you have virus protection and a firewall on any computer you use to access Happy Mango.
  • Don’t install programs from people or companies you don’t know.


To request the latest information security policy, please send an email to .