If your bank is not supported by Plaid, you can manually link your account using your routing and account numbers. This method requires verification through micro-deposits, where small amounts are sent to your account to confirm ownership. This process generally takes 2–3 business days.
The financial institution isn't yet supported on Plaid
If you'd like to see your financial institution on Plaid, we recommend asking them to contact us about how they can become integrated with Plaid. It can take some time to get a new integration set up with Plaid.
These banks and account types are not supported by Plaid or Aura:
If you are unable to find your bank institution on Plaid, you will need to enter your bank account and routing numbers manually. This will enable Plaid to verify your account using micro-deposits to set up direct deposit. Plaid will match your information with what is on file at the financial institution.
How do I use Plaid?
Plaid supports thousands of financial institutions, including major banks like Chase, Bank of America, Wells Fargo, Citi, PNC, Capital One, U.S. Bank, and TD Bank, plus many credit unions, online banks (Ally, Chime, Varo), and investment platforms (Fidelity, Robinhood), but coverage varies, so checking Plaid's direct institution list on their site is best for specific banks, as some like certain Synchrony or business accounts, or non-US banks, might not be supported.
Your bank account can't verify due to mismatched personal details (name, SSN, address), issues with the linked bank (unsupported, system errors, or closed), incorrect routing/account numbers, insufficient funds for micro-deposits, or problems with third-party verification services (like Plaid or Chex Systems) having outdated or wrong data. Common solutions involve double-checking your info, using a different verification method (like a voided check), ensuring funds for small deposits, or contacting support to clear up data errors.
New York and San Francisco, September 16, 2025 — JPMorganChase (JPMC) and Plaid today announced a renewed data access agreement that will continue to allow their shared customers to safely and securely access products they rely on for their financial needs and ensure continued innovation within the open banking ...
It uses USSD (Unstructured Supplementary Service Data) technology, which works on basic phones too. This service helps people across India do banking just by dialling *99# from their mobile.
You can link your bank to Cash App without Plaid by manually entering your bank's routing number and account number directly in the app's "Linked Banks" section, which bypasses Plaid's login process and often uses smaller verification deposits (micro-deposits) or instant verification if your bank supports it, allowing you to link for deposits and withdrawals without using your bank's online credentials.
B9 pay advance app
B9 doesn't use Plaid and is a membership-based cash advance app that lets you access advances up to $500 per pay period — higher than many other cash advance apps.
PayPal does use Plaid to enable easy, secure access to a customer's bank account. We even made a complete guide on if PayPal is safe that talks about how PayPal connects with your bank account. Using Plaid reduces the need to manually input routing and accounting numbers when conducting financial business.
If your account is locked, work with your financial institution to unlock it. They should provide a notification with instructions on how to resolve the issue and unlock your account.
In case, Bank Validation Status is showing as “Failed”, you can:
Methods of bank account verification
Your financial institution isn't listed
If you'd like your financial institution to work with Plaid, you can ask them to contact us to get started. Since new integrations take time, we also recommend checking with the app you're trying to use—they may have other ways for you to connect your account.
The best overall Plaid alternative is Flinks. Other similar apps like Plaid are Mastercard Open Banking (formerly Finicity), Stripe Connect, Lightico, and LastPass. Plaid alternatives can be found in.
If Your Bank Account Must Be Manually Entered
Select Manual and click the "Continue" button. Follow the prompts on the Plaid pop-ups. Upon returning to the eFund Connect platform, you will see the pop-up to confirm the micro-deposit.
Plaid takes your account information, encrypts it, and then gives it to apps like Zelle and Cashapp so you can easily make transactions or view account information.