ABA/DDA are inherently less secure than online access credentials. An account can be directly debited if ABA/DDA are compromised, and they cannot be rotated wit

ABA/DDA are inherently less secure than online access credentials. An account can be directly debited if ABA/DDA are compromised, and they cannot be rotated without closing the account. Plaid tokenizes all this to avoid any potential issues -- and further, if credentials are somehow compromised they can be rotated very easily.