Can I obtain Balance and Identity data for Items created using Same-Day Micro-deposits?

Short answer: No — for Items created via Same-Day Micro-deposits, Plaid cannot return institution-sourced Balance or Identity data, because Plaid never connects to the institution for these Items. However, approximately 30% of these Items can be verified via /identity/match, which compares the user's claimed identity against Plaid's data.

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 Balance details for the account, and /identity/get will not return institution-provided Identity data. However, approximately 30% of Items verified via Same-Day Micro-deposits can also be verified by /identity/match, which compares a user's claimed identity against Plaid's data.

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"
}