> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Plaid - United States (US)

> Bank-data aggregator - United States - access route, data references, and integration requirements.

> [!NOTE]
>
> **Active (Beta).** This integration is available in beta. Coverage depends on market, product, and account permissions. [View integration status](https://docs.amlok.io/integrations/status.md).

| Property | Definition |
| - | - |
| Provider ID | BANK-13 |
| Integration status | Active (Beta) |
| Category | Bank Integrations |
| Product type | Bank-data aggregator - United States |
| Evidence reviewed | 2026-10-22 |

## Integration approach

Plaid Link plus server APIs for US institutions. Transactions, balances, ownership, Assets and Income are available subject to coverage and access. US Plaid Check offers Partner Insights with Prism Data scores/attributes; enable this product separately. Validate institution and business-account coverage.

## Access and approval

Full Production: a few business days after company and use-case review, per Plaid; not a guaranteed SLA. Eligible US/CA Trial applications are usually auto-approved; manual-review follow-up is 2–3 business days. Trial is limited; paid products and institution permissions require the relevant access. Plaid Check is excluded from Trial.

**Documentation availability:** Public API reference, SDKs, Link guides, Sandbox and Plaid Check documentation.

## Data refresh

**Provider update cadence:** Typically 1-4 transaction updates per day.

Plaid typically checks transactions 1-4 times daily, depending on the institution. The `SYNC_UPDATES_AVAILABLE` webhook signals changes that can be retrieved with `/transactions/sync`.

On-demand `/transactions/refresh` requires the separately enabled add-on and supported accounts. Reading cached data does not refresh the bank connection. Timing varies by institution and connection health.

**AMLOK synchronization:** The enabled refresh mode and schedule are agreed for your connection. Provider timing describes upstream capability; allow for retrieval and processing before changes appear in AMLOK. See [data refresh and freshness](https://docs.amlok.io/integrations/data-refresh.md).

Provider references: [Plaid Transactions API](https://plaid.com/docs/api/products/transactions/).

## Data reference

Open a resource to review its field definitions. Available fields depend on the connected product, account permissions, and source data.

| Resource |
| - |
| [bank\_account](https://docs.amlok.io/data-model/field-dictionary.md#bank-account) |
| [account\_balance](https://docs.amlok.io/data-model/field-dictionary.md#account-balance) |
| [bank\_transaction](https://docs.amlok.io/data-model/field-dictionary.md#bank-transaction) |

## Coverage conditions

| Property | Definition |
| - | - |
| Country / deployment conditions | US; Plaid Check is a separate entitled product. |
| History | Up to 24 months (730 days) of bank transaction history at initial connection. Available history can grow while the account remains connected; institution-specific coverage applies. [Provider reference](https://plaid.com/docs/transactions/). |
| Refresh | Typically 1-4 transaction updates per day. [Details](#data-refresh). |
| Commercial / use rights | Client permission and applicable commercial use rights required. |

## Documented field mappings

These mappings show how source fields relate to normalized AMLOK fields. Review the source conditions for each mapping.

| Mapping | Source field | AMLOK target |
| - | - | - |
| [M001](https://docs.amlok.io/data-model/field-mappings.md#m001) | `accounts[].account_id` | `bank_account.source_account_id` |
| [M002](https://docs.amlok.io/data-model/field-mappings.md#m002) | `accounts[].name` | `bank_account.name` |
| [M003](https://docs.amlok.io/data-model/field-mappings.md#m003) | `accounts[].official_name` | `bank_account.official_name` |
| [M004](https://docs.amlok.io/data-model/field-mappings.md#m004) | `accounts[].mask` | `bank_account.mask` |
| [M005](https://docs.amlok.io/data-model/field-mappings.md#m005) | `accounts[].type` | `bank_account.account_type` |
| [M006](https://docs.amlok.io/data-model/field-mappings.md#m006) | `accounts[].subtype` | `bank_account.account_subtype` |
| [M007](https://docs.amlok.io/data-model/field-mappings.md#m007) | `accounts[].balances.current` | `account_balance.current.amount` |
| [M008](https://docs.amlok.io/data-model/field-mappings.md#m008) | `accounts[].balances.available` | `account_balance.available.amount` |
| [M009](https://docs.amlok.io/data-model/field-mappings.md#m009) | `accounts[].balances.limit` | `account_balance.credit_limit.amount` |
| [M010](https://docs.amlok.io/data-model/field-mappings.md#m010) | `accounts[].balances.iso_currency_code` | `account_balance.current.currency` |
| [M011](https://docs.amlok.io/data-model/field-mappings.md#m011) | `accounts[].balances.last_updated_datetime` | `account_balance.as_of` |
| [M012](https://docs.amlok.io/data-model/field-mappings.md#m012) | `item.institution_id` | `connection.institution_id` |
| [M013](https://docs.amlok.io/data-model/field-mappings.md#m013) | `added[].transaction_id` | `bank_transaction.source_transaction_id` |
| [M014](https://docs.amlok.io/data-model/field-mappings.md#m014) | `added[].account_id` | `bank_transaction.account_id` |
| [M015](https://docs.amlok.io/data-model/field-mappings.md#m015) | `added[].amount` | `bank_transaction.amount.amount` |
| [M016](https://docs.amlok.io/data-model/field-mappings.md#m016) | `added[].amount` | `bank_transaction.direction` |
| [M017](https://docs.amlok.io/data-model/field-mappings.md#m017) | `added[].iso_currency_code` | `bank_transaction.amount.currency` |
| [M018](https://docs.amlok.io/data-model/field-mappings.md#m018) | `added[].date` | `bank_transaction.posted_on` |
| [M019](https://docs.amlok.io/data-model/field-mappings.md#m019) | `added[].authorized_date` | `bank_transaction.authorized_on` |
| [M020](https://docs.amlok.io/data-model/field-mappings.md#m020) | `added[].name` | `bank_transaction.description` |
| [M021](https://docs.amlok.io/data-model/field-mappings.md#m021) | `added[].merchant_name` | `bank_transaction.merchant_name` |
| [M022](https://docs.amlok.io/data-model/field-mappings.md#m022) | `added[].pending` | `bank_transaction.status` |
| [M023](https://docs.amlok.io/data-model/field-mappings.md#m023) | `added[].pending_transaction_id` | `bank_transaction.pending_transaction_id` |
| [M024](https://docs.amlok.io/data-model/field-mappings.md#m024) | `added[].payment_channel` | `bank_transaction.payment_channel` |
| [M025](https://docs.amlok.io/data-model/field-mappings.md#m025) | `added[].personal_finance_category.detailed` | `bank_transaction.source_category` |
| [M026](https://docs.amlok.io/data-model/field-mappings.md#m026) | `removed[].transaction_id` | `common.deleted_at` |

## Provider documentation

* [plaid.com/docs](https://plaid.com/docs/)
* [plaid.com/docs/institutions](https://plaid.com/docs/institutions/)
* [plaid.com/docs/check](https://plaid.com/docs/check/)
* [support.plaid.com/hc/en-us/articles/27895826947735-What-Plaid-products-are-supported-in-each-country-and-region](https://support.plaid.com/hc/en-us/articles/27895826947735-What-Plaid-products-are-supported-in-each-country-and-region)
* [support.plaid.com/hc/en-us/articles/16110110883479-How-are-Sandbox-Production-Trial-plan-and-Limited-Production-different](https://support.plaid.com/hc/en-us/articles/16110110883479-How-are-Sandbox-Production-Trial-plan-and-Limited-Production-different)
* [support.plaid.com/hc/en-us/articles/39994173227159-What-is-the-Plaid-Trial-plan](https://support.plaid.com/hc/en-us/articles/39994173227159-What-is-the-Plaid-Trial-plan)

## Related model reference

* [Provider coverage](https://docs.amlok.io/data-model/provider-coverage.md#bank-13)
* [Resource coverage](https://docs.amlok.io/data-model/resource-coverage.md#bank-13)
* [Field dictionary](https://docs.amlok.io/data-model/field-dictionary.md)


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