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Dependable, low-friction user experience
Used by half of U.S. adults, Plaid helps banks grow deposits and convert more customers with a seamless, familiar experience.
Real-time fraud and risk management
Our network-powered fraud prevention helps you reduce account takeovers, cut ACH returns, and streamline account openings.
Smarter data for better lending decisions
Verify income and employment digitally, from the source, to speed up lending, cut paperwork, and improve the borrower experience.
Make account opening fast and secure for trusted customers
Avoid delays from traditional authentication methods. Verify accounts and identities digitally—all on one platform.
Digital identity verification
Strengthen identity verification with layered checks—like data source, ID document, and liveness verification. Block account takeovers and malicious sign-ups with device and network fraud checks.
Instant account verification
Verify linked account information directly from the source with alerts on closures—minimizing errors from manual data entry and outdated sources.
Secure, reliable account funding
Give customers a seamless funding experience backed by real-time account verification, balance checks, and ACH risk insights.
How First Tech Federal Credit Union streamlined account funding
Launch quickly with top financial platforms
Plaid works with the online banking, account opening, and loan onboarding tools you already use—so you can deliver an experience customers want without the heavy lift.
Offer frictionless money movement
Help your customers move money when they want to, while keeping fraud at bay.
- Verify account balances—protecting your customers from overdraft and NSF fees, and empowering you to move money easily and securely
- Get real-time fraud protection through verified account ownership, high-risk account detection, and predictive insights to evaluate the risk of ACH returns
Provide tailored financial insights
Use real-time data to deliver personalized insights that build trust, deepen relationships, and drive cross-sell opportunities.
- Turn data into insights and tailored offers; with up to 24 months of categorized data, help customers understand their habits and offer the right services, right on time
- Increase engagement and reduce churn by delivering customized financial experiences powered by real-time financial and transaction data
Get the full scope of your customer’s financial health
See your customers’ cash flow across accounts in real time—including income, assets, and employment data.
- Reduce paperwork and manual reviews by verifying income and assets digitally from the source
- Improve engagement and personalization by accessing up-to-date insights into income, expenses, and balances
- With real-time cash flow data, you can offer better loans—with less risk and more confidence
Customer Stories
How Plaid helps banks and credit unions win
- Alliant grew deposits while future-proofing for open banking
Read the story - Veridian Credit Union fought fraud and lowered friction
Read the story - Chime boosted account funding by 300%
Read the story - Credit Union of Texas turns transaction data into insights
Read the story - Tab Bank powers real-time data connectivity
Read the story - Varo’s focus on migration shapes the future of banking
Read the story