Sorry if I was inexact in my wording. It's settling on the existence of your bank account proving who you are. The ID services require you to give them your bank login credentials (ie, Plaid). So there are two levels of denial, at Plaid (and related ID services) themselves and the banks deciding weather or not they want to allow it (work with Plaid, or Plaid with them, etc) and if they want to give you a bank account.
alt Hacker News
Sorry if I was inexact in my wording. It's settling on the existence of your bank account proving who you are. The ID services require you to give them your bank login credentials (ie, Plaid). So there are two levels of denial, at Plaid (and related ID services) themselves and the banks deciding weather or not they want to allow it (work with Plaid, or Plaid with them, etc) and if they want to give you a bank account.