{"id":"178870ff-223f-43ce-832f-fee5d9d2f8e4","task":"Verify a bank account with Plaid using same-day micro-deposits and handle the verification step","domain":"docs.plaid.com","steps":["Create a Link token with same-day micro-deposit verification enabled; specify the bank_transfer product or auth product depending on your Plaid plan and integration type","Open Plaid Link in your frontend; the user selects their institution and opts into micro-deposit verification; Plaid sends two small deposits to the account within the same business day using Same-Day ACH","Listen for the PENDING_AUTOMATIC_VERIFICATION or PENDING_MANUAL_VERIFICATION item status webhook to know when deposits have been sent","If manual verification is required, prompt the user to enter the two deposit amounts via your UI; call the auth/micro_deposits/verify endpoint with the amounts to complete verification","On AUTOMATICALLY_VERIFIED or MANUALLY_VERIFIED status, retrieve account and routing numbers via auth/get and store them for ACH origination"],"gotchas":["Plaid's same-day micro-deposit feature requires your Plaid plan to include it; not all plans support same-day — standard micro-deposits take 1–2 business days","The Plaid Transfer authorization for subsequent transfers has an expiration window of approximately 1 hour; do not store the authorization ID and attempt to use it the next day","Micro-deposit amounts are randomized and not disclosed to you by Plaid; you cannot pre-fill the verification UI — the user must check their bank statement"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:19.328Z"},"url":"https://mcp.waymark.network/r/178870ff-223f-43ce-832f-fee5d9d2f8e4"}