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How can he go overdrawn on my account if he only has the username and password to the mobile site I thought you could only overdrawn on your account if you had a card and spent money that you didn't have. Sign up or log in to share. He doesn't need the password and username, he needs the bank account number and routing number. Him asking for your information sounds like he wants to see how much money you have, and possibly transfer that money to his account. That is why I am trying to keep the balance at a minimum and transfer the money into my MAIN bank account immediately when he deposits it. Your plan could work but I don't think giving you money is his first intention.