banks & credit unions
Grow deposits and revenue with smarter insights
Digitize your end-to-end banking solution to deliver the instant, secure, and personalized experiences your customers expect.
Trusted, frictionless user experience
One in two U.S. adults uses Plaid for seamless, secure account openings, helping banks convert more customers and grow deposits.
Real-time fraud and risk management
Our built-in fraud prevention tools detect and mitigate risk as it happens—protecting you and your customers.
Smarter data for better lending decisions
Get a more holistic picture of your borrowers’ finances, so you can make more personalized and inclusive lending decisions.
Open more accounts.
Speed up funding.
Enable trusted consumers to open and fund an account easily
Streamline your account opening process by verifying identities, account ownership, and ensuring sufficient balances in real time.
Digital identity verification
Plaid verifies identities and enables you to manage KYC compliance during the account opening process. Maximize pass rates with the most comprehensive data source and identity document coverage, while reducing fraud through smart fallbacks for every scenario.
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account information directly from the source with alerts on closures—minimizing errors from manual data entry and outdated sources.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
Enable customers to fund their accounts with confidence. Plaid verifies account ownership, balance, and existence in real time to ensure funds will settle quickly and securely.
customer story
How First Tech Federal Credit Union funds accounts faster and easier with Plaid
Read the storyBecome their primary bank with faster, more secure experiences
Personalized digital experiences
Help your customers move money faster, without friction—while keeping fraud at bay.
Verify real-time account balances—protecting consumers 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.
Personalized digital experiences
Help your customers move money faster, without friction—while keeping fraud at bay.
Verify real-time account balances—protecting consumers 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.
Up to 25% reduction in fraud losses
More than 75% reduction in ACH returns
100% coverage of account verification in the U.S.
Make more informed credit decisions with cash flow data
Get the full scope of your customer’s financial health
Your borrowers’ financial lives are more dynamic than ever. Gain a complete, real-time view of their cash flow across accounts—from nearly any institution.
Automate your lending workflows by incorporating insights about your borrowers’ income and assets.
Improve engagement and personalization with insights into cash flow changes, helping you deliver better lending solutions for your customers.
Cash flow underwriting helps you approve more competitive loans with confidence.
Get the full scope of your customer’s financial health
Your borrowers’ financial lives are more dynamic than ever. Gain a complete, real-time view of their cash flow across accounts—from nearly any institution.
Automate your lending workflows by incorporating insights about your borrowers’ income and assets.
Improve engagement and personalization with insights into cash flow changes, helping you deliver better lending solutions for your customers.
Cash flow underwriting helps you approve more competitive loans with confidence.
Global financial institutions are on the Plaid Network
U.S. adults with a bank account have connected to an app or service using Plaid
Financial apps and services built on Plaid
