All I can say is NEVER use Plaid to connect your bank to Venmo. After failure to connect for transfers Venmo freezes my account then tells me to send they a bank statement to prove I own the acc which I connected to Plaid using MY BANK USER & PASS..so who obviously owns d acc? Like every "social" app Venmo is overstepping to get more info than they need from their users to do simple transfers. Plaid was also involved in a class action lawsuit concerning privacy issues and they loss.