Statements

Statements (US only) allows you to retrieve an exact, bank-branded, PDF copy of an end user's bank statement, directly from their bank. The Statements product simplifies the process of collecting documents for loan verification purposes or rental application review purposes, among others.

1. Call /link/token/create to create a link token.
   • Include a statements object containing fields start_date and end_date. Plaid allows extracting up to 2 years of statements.
   • If your integration uses multiple Plaid products, such as Assets and Statements, we recommend that you put your other products in the products array and put statements in the required_if_supported_products array. This configuration will require statements to be extracted if the financial institution supports the product, but will not block the user from progressing if statements are not supported. Instead, if Statements is not supported by the user's institution, you will receive a PRODUCTS_NOT_SUPPORTED error when calling Statements endpoints. For more details, see Choosing how to initialize products.
   • If you are using only the Statements product, put statements in the products array when calling /link/token/create.

1const request: LinkTokenCreateRequest = {
2  loading_sample: true
3};
4try {
5  const response = await plaidClient.linkTokenCreate(request);
6  const linkToken = response.data.link_token;
7} catch (error) {
8  // handle error
9}

1. On the client side, create an instance of Link using the link_token returned by /link/token/create; for more details, see the Link documentation.

2. Once the user has successfully finished the Link session, the client-side onSuccess callback will fire. Extract the public_token from the callback and exchange it for an access_token by calling /item/public_token/exchange.

3. Call /statements/list, passing the access_token obtained above. This will return a list of statements, including a statement_id for each.

   Sample successful /statements/list response

   1{
   2      "accounts": [
   3        {
   4           "account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",
   5           "account_name": "Plaid Checking",
   6           "account_type": "depository",
   7           "statements": [
   8              {
   9                "month": 1,
   10                "statement_id": "efgh12e3-gh1c-56d6-e7e9-923bc64d80a5",
   11                "year": 2024
   12              },
   13              {
   14                "month": 2,
   15                "statement_id": "jklh12e3-ab3e-87y3-f8a0-908bc64d80a5",
   16                "year": 2024
   17              }
   18              {
   19                "month": 3,
   20                "statement_id": "4710abc-af28-481a-991a-48387a7345ddf",
   21                "year": 2024
   22              }
   23           ]
   24        }
   25      ],
   26      "institution_id": "ins_118923",
   27      "institution_name":  "First Platypus Bank",
   28      "item_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",
   29      "request_id": "NBZaq"
   30   }

4. Call /statements/download, passing in the access_token and desired statement_id, to download a specific statement. The statement will be provided in PDF format, exactly as provided by the financial institution.

   

5. (Optional) If you would like to re-check for new statements generated after the end user linked their account, you can call /statements/refresh. When the STATEMENTS_REFRESH_COMPLETE webhook has been received, call /statements/list again for an updated list of statements.

If your user has already connected their account to your application for a different product, you can add Statements to the existing Item via update mode.

To do so, in the /link/token/create request described in the Integration process, populate the access_token field with the access token for the Item, and set the products array to ["statements"]. If the user connected their account less than two years ago, they can bypass the Link credentials pane and complete just the Statements consent step. Otherwise, they will be prompted to complete the full Link flow.

Statements currently supports only bank depository accounts (e.g. checking and savings accounts).

Statements support includes the following major institutions:

• Bank of America
• Chase (Early Availability; contact your Plaid Account Manager to request access)
• Citibank
• Citizens Bank
• Fifth Third Bank
• Huntington Bank
• Navy FCU
• Regions Bank
• TD Bank
• Truist
• US Bank
• Wells Fargo

In addition to the institutions named above, Statements also supports over 1,500 smaller banks and credit unions. Statements does not currently support all major or long tail-institutions, and should be used with a fallback option in case data is not available.

Statements can be tested in Sandbox, where a mock statement is returned. In Production, the statement is retrieved from the financial institution. Existing customers whose Plaid teams were created in 2023 or earlier may need to file a product access request to access Statements in the Sandbox.

Statements is billed when /link/token/create is successfully called for Statements, with the cost based on the number of statements between the provided start and end dates, according to a flexible per-Item fee model. Statements Refresh is billed based on the number of statements extracted between the provided start and end dates when calling /statements/refresh, based on a flexible per-request fee model. To view the exact pricing you may be eligible for, contact Sales. For more details about pricing and billing models, see Plaid billing.

If you're ready to launch to Production, see the Launch checklist.