I'm guessing those two companies probably use Plaid to instantly link external accounts without having to do trial deposits. Trial deposits can take several day

I'm guessing those two companies probably use Plaid to instantly link external accounts without having to do trial deposits. Trial deposits can take several days. That's the use case that I used it for at Citibank anyways. I never claimed my list was inclusive, only those are the ones I know use Plaid off the top of my head.