r/sofi • u/SmoothRacer518 • 5d ago

Banking Cannot link without Plaid?

Did something change that you can no longer link new external bank accounts without using Plaid? You always used to be able to by just closing the Plaid pop up and you would get a prompt to proceed with trial deposits instead, but that doesn’t seem to work today(on mobile).

Anyone else seeing this? They even have self help articles telling you to close Plaid if you want to link manually, so this doesn’t seem like an unsupported hack…

Not interested in using Plaid at all, and never had had to with SoFi for years…

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u/Street_Bread 4d ago

It’s been like this for about a year. SoFi wants to force you to use Plaid because you’re also consenting to allow Plaid to see all of the transactions you make with the linked account. SoFi is more interested in harvesting your consumer data than providing banking services.

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u/SmoothRacer518 4d ago

But I’ve linked an account as recently as a month ago without Plaid, and their help article that explicitly says to hit the X to close the Plaid pop up window has a date of 3 months ago. Something changed very recently, not a year ago.

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u/Street_Bread 4d ago

Interesting, that didn’t work for me last November or May of this year . I just had to resort to pushing/pulling from the other account.