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You can now enter manual account and routing numbers with Plaid and they will handle micro-deposit verification. They also now support 2FA for many banks. Plaid is definitely not great in some areas, but there really isn't a good alternative if you want to aggregate your banking and transaction data. Not in the U.S.

Very few banks have publicly-accessible APIs, and when they do, they likely won't return consistent data. There simply isn't a standard in the U.S. There are literally thousands of banking systems in this country. As someone who helps run a fintech app, I can assure you there are significant numbers of people who are simply members of their local credit union with very limited technology.

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