Add institution coverage

Instant Auth covers approximately 95% of users' eligible bank accounts. For the remaining ~5%, or users who choose not to use instant credential verification, Plaid offers users the ability to verify their accounts through an optimized set of database validation and micro-deposit flows.

The following flows are enabled in your app by default once you have integrated Auth:

• Instant Auth: User enters their credentials and is authenticated immediately. This is the default flow.
• Instant Match (US only): User enters their credentials, account number, and routing number. Plaid matches user input against masked values and authenticates immediately.

To increase conversion, you can implement the following additional Auth flows:

• Instant Micro-deposits (US only): User enters account and routing numbers. Plaid makes a RTP or FedNow micro-deposit and the user manually verifies the code in as little as 5 seconds.
• Automated Micro-deposits (US only): User enters their credentials, account number, and routing number. Plaid makes a micro-deposit and automatically verifies the deposit in as little as one to two business days.
• Same Day Micro-deposits (US only): User enters account and routing numbers. Plaid makes a Same Day ACH micro-deposit and the user manually verifies the code in as little as one business day.
• Database Insights (Beta, US only): User enters account and routing numbers. Plaid verifies the account against the Plaid Network and provides your app with a verification status indicating its viability for ACH.
• Database Match (US only): User enters account and routing numbers and name. Plaid verifies the values against the Plaid Network and if matched, verifies the account. If not matched, can proceed to micro-deposit authentication.

Plaid will attempt to use the flows in the following order of preference: Instant Auth, Instant Match, Automated Micro-deposits, Database Match / Database Insights, Instant Micro-deposits, Same-Day Micro-deposits. For example, the Same Day Micro-deposits flow will only be used if no instant flows are available, Automated Micro-deposits is not available, Database Insights is disabled, and Database Match is either disabled or a match could not be found.

For each of these flows, Plaid will automatically prompt the user for the appropriate information. If a user cannot find their financial institution when searching, Plaid Link will prompt them to link with account numbers, where they can enter the Database Insights, Database Match, Instant Micro-deposits, or Same Day Micro-deposits flow.

To see which Auth flows a given institution supports, you can call /institutions/get with options.include_auth_metadata set to true. The results will be returned in the auth_metadata.supported_methods object in the response. Alternatively, you can see this information on the Institution Status page in the Plaid Dashboard. The Same Day Micro-deposits, Database Insights, and Database Match flows will not appear in these results, as they do not depend on institution capabilities and are available at all institutions.

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