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I have been interested in the idea of and open API for banking (one which supports Canadian banks would be preferable, as I am Canadian), and I have had a few ideas for application's to implement with Plaid. I keep reading feedback about Plaid on HN similar to yours though that make me less confident in the product.

Keep in mind every pull for transactions will cost money so you need to charge enough per month to cover those costs. It’s closer to $1 than a penny like most APIs.

Yikes, $1 per transaction pull? Wonder if there's a way to only pull transactions when a charge for a specific vendor comes across.

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