LINK by Prudential offers an account aggregation service. Account aggregation collects account balances from accounts you connect to LINK, including accounts outside of Prudential. This allows you to view all your aggregated accounts in one place.

By importing all your account information into one place, you get a complete easily viewed financial picture which will be updated automatically.

The aggregation service allows you to aggregate a wide range of account types. You will be able to aggregate your Bank savings and Checking accounts, Credit card, Loan, Investments and Insurance policies. Prudential recommends that you aggregate all your accounts to give you a complete picture of your finances. Some accounts such as your credit card and loan account types will not be displayed in LINK. However, if you have selected those accounts, you will be able to see them on MyPru dashboard.

No, the aggregation service provided by LINK is free of charge. If you select other products or services from Prudential, standard fees, commissions, premiums and other charges will apply.

Aggregating your accounts is a simple process and usually completes within a few minutes, it can sometimes take longer depending on the information required by your financial institution.

LINK by Prudential provides an easy to follow step by step process to link your external accounts. In the 4-step process, you will:

• Select your financial institution.
• Provide your username and password. You may also be required to answer security questions or provide additional information depending on the security set up of the financial institution.
• Select the accounts (if you have more than one account with an institution).
• Map the connected accounts to your LINK goals (certain account types, such as credit cards and loans, cannot be mapped to LINK goals).

LINK uses an aggregation service provided by Envestnet Yodlee. Yodlee is a leading online aggregation service which securely uses your online account credentials to retrieve your account balances from your financial institution.

Our biggest priority is protecting your information and security. Personal information is always kept private. When linking accounts, your account credentials are encrypted and protected through multiple layers of security. Our aggregation partner uses robust security, with 256-bit encryption offering 24/7 protection.

For more information on privacy and how your personal information is kept secure, please see our online Privacy statement and ACCOUNT AGGREGATION TERMS

For more information on privacy and how your personal information is kept secure by our aggregation partner Yodlee please see: https://customercare.yodlee.com/ycc/security.envestnet.do and https://customercare.yodlee.com/ycc/privacy.envestnet.do.

We work with a third-party data aggregation service provider called Yodlee that uses a mix of data feeds from the financial institution and screen scraping methods to retrieve account information.

You should provide the online username and password that you use to log in to that institution’s website. 

After changing your credentials at your financial institution, LINK will no longer be able to retrieve your account balances from that institution. The next time you log into LINK, you will be prompted to update your username and password for that institution.

We refresh your accounts once per day. LINK displays the date your account was last updated next to your account balance.

LINK account aggregation supports many financial institutions. However, if you cannot find your institution, it is possible that the site is not currently supported, or our system may need to be updated. LINK also provides you with the option to enter the account details manually. 

Contact our support team for assistance. 1-(844) 362-3603

If you accidentally deleted an account, you can add it again by selecting your financial institution and providing your username and password. 

If you do not wish to assign an account to one of your goals, you can select the “No Goal” option on the goal mapping page in LINK

LINK, the Budgeting tool and the MyPru Dashboard all share the same information. When you update your account information in LINK, it is automatically replicated in the Budgeting tool and the MyPru Dashboard. 
Some accounts such as your credit card and loan account types will not be displayed in LINK. However, if you have aggregated those accounts, you will be able to see them on MyPru dashboard and the Budgeting Tool

No, you can only aggregate accounts from financial institutions based in the United States. 

There is no limit to the number of accounts that you can aggregate.

Only users who log into LINK using your Username and Password can view your aggregated accounts and balances. Additionally, when you speak with our advisors for any information or help related to LINK, they will be able to view the account balances.

All the accounts you have with your financial institution will be displayed. You can choose which accounts you wish to pull into LINK and associate those accounts with LINK goals.

Yes, you will be able to associate multiple external accounts with a single LINK goal.

No, it is not possible to transfer, move, or do anything else with your bank accounts aside from gathering your account balances and displaying them in your LINK account.

You can delete any of your aggregated accounts at any time on the LINK website.

When aggregating accounts, your account credentials are encrypted and protected through multiple layers of security. Our aggregation partner uses robust security, with 256-bit encryption offering 24/7 protection.

Prudential and our financial professionals may use your Information for marketing purposes, which may include making you aware of other financial products or services available through Prudential, without independent verification of your Information.

Third-Party Accounts. By using the Service, you authorize us and our Service Provider to access Third-Party Sites and Third-Party Account information, designated by you, on your behalf, and to retrieve and register such information and accounts, as requested by you. For all of these purposes, you grant us and our Service Provider a limited power of attorney and you appoint us and our Service Provider as your true and lawful attorney-in-fact and agent, with the full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access Third-Party Sites, servers or documents, retrieve information and use your information all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN PRUDENTIAL OR OUR SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD-PARTY SITES, PRUDENTIAL AND OUR SERVICE PROVIDER ARE ACTING AS YOUR AGENT AND NOT THE AGENT OR ON BEHALF OF THE THIRD-PARTY. You agree that Third-Party Account providers shall be entitled to rely on the forgoing authorization, agency and power of attorney granted by you. You further understand and agree that the Service is neither endorsed nor sponsored by any Third-Party Account providers.

Broadly, you will be able to aggregate the following types of information. Bank, Card, Loan (including Mortgage), Investment and Insurance. You will not be able to aggregate Bill Payment, Bills, Mail, Miles, Minutes, Telephone and Utilities.  LINK will not display Card and Loan types of information. This information will however be displayed on the MyPru dashboard.

Any account or policy that could include Protected Health Information, should not be aggregated through this service.  Examples of PHI include any Long-Term Care insurance information, including but not limited to policies, certificates, contracts and expenditures; Retirement Medical Savings Account information pertaining to accounts, account holders and account balances; Health Plans or Health Savings Account information pertaining to accounts, account holders and account balances.

We do not consider the underlying investments in any third-party or Prudential accounts you have connected to LINK with the exception of Prudential Managed Accounts.  Instead, we take the current value of your other accounts, and project that value forward in the Monte Carlo simulation based on certain assumptions.  Those assumptions are generally based on the responses to questions we ask while you are creating your LINK profile, including, but not limited to, your risk willingness, age and liquidity needs. For example, if you connect your $200,000 non-Prudential brokerage account and a $25,000 non-Prudential IRA account, we will assume that these accounts are invested consistently with the risk tolerance you have provided for your PMA account and will experience a level of growth commensurate with that level of risk.  If, in fact, the accounts you connect are invested differently than your risk profile indicates, then the impact of the different risk profiles on your investment returns will not be considered in our Monte Carlo simulation.  As a result, if the accounts you connect to LINK have investments or risk profiles that differ from our assumptions, the result could be that our Monte Carlo simulation significantly over- or under-estimates your probable outcome.