While Plaid connects with over 7,000 financial institutions globally, certain traditional community banks, regional credit unions, and digital-only neo-banks may experience connectivity gaps or lack direct API integrations. Institutions that prioritize stringent legacy security measures or restrict third-party screen-scraping practices without formal open-banking agreements often fail to sync seamlessly. Users attempting to link accounts from non-supported regional cooperatives frequently encounter connection errors or must utilize manual routing and account verification alternatives.