Providing multiple access levels to a single user account using different login credentials

A system, comprising:

• at least one processor;
• a communication interface communicatively coupled to the at least one processor;
• and
• memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to:
• receive, via the communication interface, from a computing device, an access request to access a user account for which at least two valid passwords have been defined, the access request including one or more login credentials, and the user account being associated with a customer portal that is provided by a financial institution operating the system;
• determine whether a password included in the one or more login credentials matches a valid password of the at least two valid passwords which have been defined for the user account;
• based on determining that the password included in the one or more login credentials matches a valid password of the at least two valid passwords which have been defined for the user account, determine, based on the password included in the one or more login credentials, an access level to be provided;
• and
• provide access to the user account based on the determined access level,
• wherein providing access to the user account based on the determined access level includes causing at least one online banking user interface to be presented,
• wherein read-only access is provided via the at least one online banking user interface based on the password included in the one or more login credentials,
• wherein the read-only access allows account information to be presented via the at least one online banking user interface and prevents one or more transactions from being conducted via the at least one online banking user interface, and
• wherein the read-only access is provided to a financial planning system which is provided by an organization different from the financial institution.

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:

• receive, via the communication interface, from a computing device, an access request to access a user account for which at least two valid passwords have been defined, the access request including one or more login credentials, and the user account being associated with a customer portal that is provided by a financial institution operating the computing platform;
• determine whether a password included in the one or more login credentials matches a valid password of the at least two valid passwords which have been defined for the user account;
• based on determining that the password included in the one or more login credentials matches a valid password of the at least two valid passwords which have been defined for the user account, determine, based on the password included in the one or more login credentials, an access level to be provided;
• and
• provide access to the user account based on the determined access level,
• wherein providing access to the user account based on the determined access level includes causing at least one online banking user interface to be presented,
• wherein read-only access is provided via the at least one online banking user interface based on the password included in the one or more login credentials,
• wherein the read-only access allows account information to be presented via the at least one online banking user interface and prevents one or more transactions from being conducted via the at least one online banking user interface, and
• wherein the read-only access is provided to a financial planning system which is provided by an organization different from the financial institution.