# Connecting banks through Plaid and delays

**URL:** <https://discuss.dwolla.com/t/connecting-banks-through-plaid-and-delays/5421>\
**Category:** API Support\
**Created:** [November 14, 2019, 7:29am UTC](https://discuss.dwolla.com/t/connecting-banks-through-plaid-and-delays/5421 "2019-11-14T07:29:59Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![Cowboy](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/cowboy/32/2246_2.png) [@Cowboy](https://discuss.dwolla.com/u/Cowboy)\
**Post date:** [November 14, 2019, 7:29am UTC](https://discuss.dwolla.com/t/connecting-banks-through-plaid-and-delays/5421/1 "2019-11-14T07:29:59Z")

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Hi,

we are facing two issues and need help! Our environment is Dwolla sandbox and Plaid sandbox. No production.

Problems:

1. Not all banks get connected to Dwolla Sandbox through Plaid Sandbox. For example, Chase connects fine, but US Bank does not connect at all. Is it a bug or we are doing something wrong? Any ideas what is wrong?

2. A bank’s balance does not immediately decrease after we make a transaction. The payment is displayed as “Processing” until we press “Process bank transfers”. Will this delay exist in production? I am asking because if it does, a user can make, for example, fifty $10 purchase with only $10 on their account.

Thank you!

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**Author:** ![shreya](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/shreya/32/2154_2.png) [@shreya](https://discuss.dwolla.com/u/shreya)\
**Post date:** [November 14, 2019, 5:33pm UTC](https://discuss.dwolla.com/t/connecting-banks-through-plaid-and-delays/5421/2 "2019-11-14T17:33:06Z")

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Hi there, I can help answer those for you,

1. Plaid Sandbox only has two test bank accounts – one Checking and one Savings. All Checking accounts under any bank name have the same Accounting // Routing numbers, as is the same for Savings accounts. Dwolla exchanges the plaidToken for the AC // RN for a bank. If a checking account already exists for a Customer, adding a new checking account will return the same AC // RN, which Dwolla treats as a duplicate. You will still be able to add one Checking and one Savings account, but not more than 2. To test adding a US bank checking account, you can remove the Chase bank checking account.

2. The delay in Production depends upon when a transaction is made in relation to our daily ACH export timing. We run our ACH export at 4:00 PM CT everyday from Mon-Fri which is when the Bank would receive information to send those funds from the user’s account. If a transfer is made after 4:00 PM, the transfer will be exported the following day at 4:00 PM. The user would have until the cut-off time to cancel a transaction.

Hope that helps! Let us know if you have any questions!