With same day micro-deposit connections, Plaid facilitates verifying account and routing numbers that the user provides by sending small deposits to the account, which the user verifies. For these Items, Plaid does not directly connect to the institution or get any data directly aside from the information entered by the user.
Since Plaid does not establish a connection to the bank, the information Plaid is able to provide for Same Day Micro-deposit accounts is limited. We are able to provide verified account and routing numbers as well as the account type (checking or savings). Plaid is not able to provide Identity or Balance details for the account.
For reference, below is a sample /auth/get request response that shows what data Plaid can return:
{
"numbers": {
"ach": [
{
"account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
"account": "9900009606",
"routing": "011401533",
"wire_routing": "021000021"
}
],
"eft": [],
"international": [],
"bacs": []
},
"accounts": [
{
"account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
"balances": { Object },
"mask": "0000",
"name": null,
"official_name": null,
"verification_status": "manually_verified",
"subtype": "checking" | "savings",
"type": "depository"
}
],
"item": { Object },
"request_id": "m8MDnv9okwxFNBV"
}