Quick pick by use case
Start from what you are building, not the provider name.
Building on a budget? See free & indie open banking APIs — Teller offers a genuinely free US developer tier. (Akoya and Teller are not yet in our aggregator directory, so they have no profile link below.)
The leading open banking APIs in the US
Curated profiles of the providers most teams shortlist for US use cases. US bank counts are computed from our index and update with each deploy.
US (+ CA/UK/EU)9,173 US banksThe default for US bank connectivity — account data, identity, balances, and income/asset verification across thousands of US institutions, increasingly via FDX APIs rather than screen scraping.
USData aggregation with a strong focus on cleansing, categorization, and enrichment. Often chosen by banks and fintechs that care most about data quality and PFM experiences.
US1 US banksMastercard-owned aggregator strongest in lending and mortgage — verification of assets, income, and employment — with established direct data agreements with major US banks.
US (+ global)One of the oldest aggregators, with broad long-tail institution coverage and a wealth/PFM heritage. Suited to teams that need deep historical data and wide reach.
Bank-account data linking built into the Stripe stack — easiest path if you are already on Stripe and want account verification, balances, or ACH setup without a second vendor.
Other aggregators with meaningful US coverage
5 more aggregators index at least 10 US banks. Click through for full profiles and bank lists.
How Section 1033 & data fees affect your build
Two US-specific variables matter more than provider choice right now:
- The rule is unsettled. Section 1033 is enjoined and being rewritten — don't plan against its deadlines. Track the status.
- Access can cost money. Banks like JPMorgan now charge aggregators for data, and your unit economics can move with those deals. Read about data access fees.
- Build to FDX. Regulated, API-based access via FDX is the direction of travel; credential screen scraping is being phased out.
US open banking APIs — frequently asked
For most US teams the shortlist is Plaid (broadest data + identity + income), MX (data quality and enrichment), and Finicity by Mastercard (lending and mortgage verification). Yodlee suits wealth/PFM and long-tail coverage, and Stripe Financial Connections is easiest if you are already on Stripe. The right pick depends on whether you need data, verification, or payment setup.
Compare every US aggregator
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