Dwolla + Plaid Add Funding Resource not allows to add more than 2 banks

API Support
1

Hello,

I am having issue with Dwolla sandbox + Plaid Add FundingSource API call.It throws error that

“Error 119”: “{“code”:“DuplicateResource”,“message”:“Bank already exists: id=983453d3f-9924-40c0-8867-3f872d4d7251”,”_links":{“about”:{“href”:"https://api-sandbox.dwolla.com/funding-sources/98563d3f-9924-40c0-8867-3f872d4d56551",“type”:“application/vnd.dwolla.v1.hal+json”,“resource-type”:“funding-source”}}}"

This is issue we observe while adding 3rd bank account.

2

Hi @Hiten_Ahirrao – that’s actually expected behavior. Plaid Sandbox only returns two bank accounts - one of type savings and one checking with preset Routing and Account numbers. If a checking account is already added, adding another checking account will return a DuplicateResource error from Dwolla because the Routing/Account numbers are recognized as duplicates for that Customer. You can test adding banks to Dwolla Sandbox by removing a funding-source, and attaching another one again.

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

Unable to create funding source by using processor token of plaid
Add funding account problem
3

@shreya,

I get it that… But I am removed bank account from funding source and adding new one. Still it shows me error that new bank account is already exists.

4

Hi @Hiten_Ahirrao – would you be able to share an example funding-source ID which gets returned in the error response? That will help me look into it further to see what’s causing the error.

I tried looking up the funding-source from the first post - 98563d3f-9924-40c0-8867-3f872d4d56551 - and couldn’t find it in our logs for some reason.

5

@shreya Here is recent response. This us bank i am trying to add

“Error 119”: “{“code”:“DuplicateResource”,“message”:“Bank already exists: id=c0829b46-2488-4a21-9f67-b03a1ab4428b”,”_links":{“about”:{“href”:"https://api-sandbox.dwolla.com/funding-sources/c0829b46-2488-4a21-9f67-b03a1ab4428b",“type”:“application/vnd.dwolla.v1.hal+json”,“resource-type”:“funding-source”}}}"

6

@shreya Here is new customer first time response

{

"Error 119": "{\"code\":\"DuplicateResource\",\"message\":\"Bank already exists: id=b2be03b8-1f45-42d1-94d5-2ca1bab2251b\",\"_links\":{\"about\":{\"href\":\"https://api-sandbox.dwolla.com/funding-sources/b2be03b8-1f45-42d1-94d5-2ca1bab2251b\",\"type\":\"application/vnd.dwolla.v1.hal+json\",\"resource-type\":\"funding-source\"}}}"

}

7

@shreya

Did you get any idea by looking into log? do you need anything else ?

8

Hi @Hiten_Ahirrao – I’m seeing that the above mentioned two Customers already have two banks attached. There’s a few removed banks as well, but there are already two active bank account. That’s why you’re receiving the DuplicateResource error when trying to attach a third bank, which has the same Account and Routing number as one of the already attached ones. With Plaid, even if you select a different Bank’s checking account, it will have the same AC // RN as the checking account of a different Bank. In short, there’s only two unique Bank accounts you can attach using Plaid, one of type savings and one of type checking.

9

Hi @shreya, one question - I hope in production, we will not have this issue? I mean we can add multiple checking and savings account using plaid in production right?

10

Hi @sonam – that is correct! The two test banks provided by Plaid is only a Sandbox limitation.

Alternatively, Plaid allows custom users to be used in their sandbox environment, so you can specify a configuration object similar to the following:

{ “override_accounts”: [ { “type”: “depository”, “subtype”: “checking”, “numbers”: { “account”: “123456789”, “ach_routing”: “273976369” } } ] }

When Plaid Link is used with the username (prefixed with custom_) that was specified when creating the custom user, and any non-empty string is used as the password, it will send Dwolla the AN/RN specified in the JSON above.

Hope that helps!