Fort Knox, developed by Austin Capital Bank, is a high-security savings account designed to safeguard consumers life savings and protect them from sophisticated fraud and scams. Its advanced security features include biometric verification, soft and hard tokens, proprietary technologies, and a focus on creating intentional friction to prevent unauthorized access and transactions.

The account-takeover pattern described in the article relies on tricking users or reusing stolen credentials to get into existing accounts and move money quickly. Fort Knox is engineered to break that chain.

First, access is anchored to facial biometrics via CLEAR® and configurable security zones—so even if a password is phished, it’s not enough. Customers can add YubiKey or an authenticator app and location rules to sensitive actions (configure Security Zones). Fort Knox also never sends links or QR codes, making any message asking you to click “to verify” an obvious fake (Why Fort Knox is More Secure).

On the movement of funds—the step that turns an intrusion into a loss—Fort Knox adds deliberate friction. Closed-Loop Protection™ limits withdrawals to the same verified external account that funded the savings, blocking redirection to a thief’s account (What is Fort Knox High Security Savings, How do I link my external bank account, How do I change my external bank account). And no withdrawal is instant—transfers sit in a two-business-day pending window, giving time to spot and stop fraud (Funds Transfer Timelines & Limitations, How do I withdraw funds).

Result: even if a criminal tried an account-takeover playbook, Fort Knox’s layered controls and intentional delay make it far harder to convert access into stolen savings.