Introduction to Link Remember Me

Link Remember Me allows users to fast track account connections across thousands of Plaid-powered apps and services.

Link Remember Me enables users to associate their phone number with the accounts they're connecting to a financial app or service. Once users have opted-in to being 'remembered' by Plaid, they'll be able to quickly connect those same accounts to other financial apps and services in the future using a one-time password.

After the Consent screen in Link, users can input their phone number and verify it using a one-time password sent to their device. Next, the user will proceed to select an institution and connect their account(s). Once account verification is completed, Plaid will associate the institution and accounts with the user's phone number.

When users want to connect their saved institutions and accounts to additional Plaid-powered apps or services, Plaid runs security checks to detect that they are a returning user with the same phone number and device used when opting-in to Link Remember Me.

A returning user can access their saved institutions and accounts with Plaid the next time they open Link. The user can select from a list of previously connected institutions or connect a new institution after verifying their identity through OTP.

Some previously linked institutions do not require users to authenticate again using credentials for a frictionless experience, designated by the lightning bolt in the institution selection pane. This is based on a variety of factors such as whether the user's device is trusted and the institution supports OTP authentication. A previously connected institution without a lightning bolt will require authentication using credentials with the financial institution.

If there is only one previously linked institution that exists and the institution is eligible for the streamlined experience using OTP, the institution will be automatically selected —- enabling the user to go directly to selecting which accounts](/docs/link/customization/#account-select) to share with an app or service.

Link Remember Me is enabled by default for customers in the US and Canada. The majority of Link sessions will include Link Remember Me by the end of 2023.

Link Remember Me can only be tested in the Sandbox or Production environments, not Development. To enable a Sandbox Link session for Link Remember Me, use the Link customization name REMEMBER_ME_SANDBOX when creating a Link token.

Real phone numbers do not work in the Sandbox. Instead, the Sandbox has been seeded with a test user whose phone numbers may be used to trigger different scenarios. To explore each scenario, enter the corresponding phone number and correct OTP. For all scenarios, the correct OTP is 123456.

Returning User: A user who has previously enrolled in Link Remember Me by confirming their identity through OTP and successfully linking an Item.

Link emits events to indicate whether or not users opt-in to being 'remembered' by Plaid to connect their accounts faster in the future. The SUBMIT_PHONE event indicates that a user has provided their phone number to be remembered by Plaid. The VERIFY_PHONE event indicates that a user has verified their phone number using OTP. The SKIP_SUBMIT_PHONE event indicates that a user has opted to not provide their phone number to be remembered by Plaid.

Additionally, new values have been added to the view_name field in the TRANSITION_VIEW event for Link Remember Me panes, as well as the match_reason field in the SELECT_INSTITUTION event.

The match_reason field distinguishes the different institution selection options if a saved institution was selected: AUTO_SELECT_SAVED_INSTITUTION indicates that the SELECT_SAVED_INSTITUTION pane was skipped. SAVED_INSTITUTION indicates that the user selected a saved institution.

If the user chose to link a new institution instead, the CONNECT_NEW_INSTITUTION event is fired.

For more details, see Link SDK documentation. For more information on tracking Link conversion in general, see Improving Link conversion.