The banking password may be about to expire — forever.

Some of the nation’s largest banks, acknowledging that traditional passwords are either too cumbersome or no longer secure, are increasingly using fingerprints, facial scans and other types of biometrics to safeguard accounts.

Millions of customers at Bank of America, JPMorgan Chase and Wells Fargo routinely use fingerprints to log into their bank accounts through their mobile phones. This feature, which some of the largest banks have introduced in the last few months, is enabling a huge swath of the American banking public to verify their identity with biometrics. And millions of additional customers are expected to opt in as more phones incorporate fingerprint scans.

Other uses of biometrics are also coming online. Wells Fargo lets some customers scan their eyes with their mobile phones to log into corporate accounts and wire millions of dollars. Citigroup can help verify 800,000 of its credit card customers by their voices. USAA, which serves members of the military and their families, identifies some of its customers through their face contours.

Some of the moves reflect concern that so many hundreds of millions of email addresses, phone numbers, Social Security numbers and other personal identifiers have fallen into the hands of criminals, rendering those identifiers increasingly ineffective at protecting accounts.

“We believe the password is dying,” said Tom Shaw, vice president for enterprise financial crimes management at USAA, which is based in San Antonio. “We realized we have to get away from personal identification information because of the growing number of data breaches.”

Long regarded as the stuff of science fiction, biometrics have been tested by big banks for decades, but have only recently become sufficiently accurate and cost effective to use in a big way. It has taken a great deal of trial and error: With many of the early prototypes, a facial scan could be foiled by bad lighting, and voice recognition could be scuttled by background noise or laryngitis.

Before smartphones became ubiquitous, there was an even bigger obstacle: To capture a finger image or scan an eyeball, a bank would have to pay to distribute the necessary technology to tens of millions of customers. A few tried, but their efforts were costly and short-lived.

Today, the equation has changed. Many models of the iPhone have touch pads that can scan fingerprints. The cameras and microphones on many mobile devices are so powerful that they can record the minute details needed to create a biometric ID.

The smartphones also provide an extra layer of security: Many biometric features will only work when used on the specific phone that belongs to the bank account holder.

“If you have your phone and you are authenticating with your fingerprint, it is very likely you,” said Samir Nanavati, a longtime biometrics expert and a founder of Twin Mill, a security software and consulting firm.

The trade-off, of course, is that in the quest for security and convenience, customers are handing over marks of their unique physical identities.

Wells Fargo has been working with EyeVerify, a start-up in Kansas City, Mo., to develop its eye scan feature, which is being tested with a small group of corporate customers. The technology creates a map of the veins in the whites of an eye.

To log into an account, a customer taps open a Wells Fargo app on a smartphone. When prompted, the customer’s eyes are lined up with a pair of yellow circles on the phone screen. If they match, the customer — typically a chief financial officer or other top executive — gains instant access to the account and can start moving money or conducting other transactions.


Wells Fargo executives said the eye scan could eventually offer an alternative to the authentication system used for corporate accounts, which involves physical tokens that generate numeric pass codes every few seconds. Although generally considered secure, these tokens can be a hassle to carry around.

For now, Wells Fargo is offering eye scans — which security experts say is the most foolproof biometric technology — only to select corporate customers, for whom the stakes are arguably higher because there is so potentially so much money involved.

“It is harder to take someone’s eyeball than someone’s user ID and password,” said Steve Ellis, who leads Wells Fargo’s innovation group that worked on developing the eye scan authentication. The bank also made an investment in EyeVerify.

Instead of eye scans, Bank of America has embraced fingerprints. Since it began offering the option in September, about 33 percent of the bank’s 20 million mobile banking customers have started using their fingers to get into their accounts.

There are limits, though, on how far an average retail customer can proceed through the banking process without a password.

Customers at Wells Fargo, for example, can tap their fingerprint-enabled smartphone to gain access to an A.T.M. But the customer still has to punch in a PIN to withdraw cash. JPMorgan Chase customers can access their bank accounts with their fingerprints, but have to use a traditional password to transfer money.

Still, the speed and accuracy of the banks’ biometric capabilities are especially notable because they are emerging from an industry known for its antiquated system of tellers and branches and endless reams of paperwork.

Wells Fargo’s eye scan technology, for example, worked so quickly that the developers had to slow it down by a few seconds so customers knew it had actually registered their identities.

It takes only about 40 seconds to capture enough information about a customer’s vocal patterns to create a voice imprint that can be used as a form of identification, according to Andrew S. Keen, director of program management for Global Consumer Operations at Citigroup. Once a print is established, it can reduce the time that customers spend identifying themselves to a call center representative.

Many banks emphasize the convenience of biometrics, but USAA is one of the few that highlights the effectiveness of these technologies at thwarting thieves.

In 2014, a huge swath of the American banking public had details of their identities stolen through a series of breaches — about 145 million records were taken from eBay and information on another 83 million households and small businesses was taken from JPMorgan Chase.

One of the more recent threats is what Mr. Shaw of USAA called “social engineering,” or thieves dialing a banking call center and manipulating a representative into giving them access to an account.

Since USAA began offering biometric authentication early last year, more than 1.7 million customers have been accessing their accounts using either their fingerprints, voices or facial scans.

“We can’t rely on personal identification information any longer,” said Mr. Shaw. “We believe we have to rely on biometrics.”