By integrating services, ID.me and Plaid can allow agencies: One continuous experience: Recipients verify with ID.me and securely link their bank in the same flow. No bank statements to upload, no waiting for a caseworker to call a financial institution. Verification before payment: Account ownership details come from the recipient's own financial institution at the time of the check, matched against the verified identity before funds are released. Expanded coverage: The partnership reaches regional banks, credit unions, and digital-first institutions that static databases cover poorly, so fewer eligible recipients are turned away due to where they bank. A defensible record: Agencies get one dated record of who was verified and which account was paid, supporting audit and federal compliance requirements. Consent and user control: The recipient securely authorizes the bank connection themselves, and sharing is limited to the information the check requires. No account credentials or transaction history move to any agency. 

Source: https://finance.yahoo.com/economy/policy/articles/id-plaid-announce-partnership-strengthen-160600145.html