Linking Accounts with Plaid
Overview
External bank accounts must be verified and linked before you can move funds to and from a Highnote financial account.
Highnote partners with Plaid and Finicity to verify and connect external bank accounts securely and with NACHA compliance.
Integration paths
Highnote offers three ways to verify and link external bank accounts with Plaid:
| Path | Description | Best for |
|---|---|---|
| Hosted URL | No-code solution — Highnote manages the Plaid relationship and hosts the Link flow. | Reducing compliance burden and frontend development. |
| Plaid SDK | Highnote manages Plaid, but you embed the Plaid Link SDK for a native experience. | Full control over the UX while delegating Plaid operations. |
| Direct (processor token) | You maintain your own Plaid relationship and pass a processor_token to Highnote. | Subscribers already integrated with Plaid. |
For full setup instructions, prerequisites, and API mutations, see Link External Accounts with Plaid.
Non-verified accounts
External accounts that have not been verified through Plaid or Finicity can only be used for fund-out transfers (e.g., returning funds on account closure). They cannot pull funds into Highnote.
For details, see Connect a non-verified account.