I very much am aware of how Plaid works and will not use it.

Someone recently really tried to get me to use Chime. As soon as the "must use Plaid" part came up in their onboarding, I stopped immediately. It's just a shame that I had already provided Chime so much of my information just to stop there.

Plaid is also bad.

Plaid is bad, but is there another way? (OAuth and PSD2 could be, and IIRC they use that for banks that support it, but many banks don't.)