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Add Plaid as a connectivity provider for institutions that permit only Plaid

Pavel Krotkov

HealthEquity has moved to passkey-only authentication and now permits exactly one financial data aggregator: Plaid. HealthEquity support has confirmed this in writing to multiple users: "Due to our recent security upgrade to passkey authentication, HealthEquity does not support connections with financial data aggregators."

The result is FDP-108 for every affected member. Alert CTP-16362 has been open since 2/20/26 with no ETA after five months, and there is no action a member can take on HealthEquity's website to resolve it because the setting does not exist. Current guidance is to track the accounts manually.

This is not a HealthEquity-specific bug. Passkeys are phishing-resistant by design, which means credential-replay aggregation stops working the moment an institution adopts them. Every institution that turns on passkeys will break the same way. The industry answer is delegated authorization (FDX / OAuth 2.0), where the member authorizes the aggregator at the institution and no credential is ever shared.

Request: add Plaid as an additional connectivity provider, at minimum as a fallback for institutions that have designated Plaid as their permitted aggregator.

Scale in my case: an HSA, an HSA investment account, two FSAs, two commuter cards, and a reimbursement account. Seven accounts, all with current activity, all stale since 5/31/2025.

Related and worth noting: members migrated through the WageWorks acquisition are hit twice. The legacy WageWorks connector fails with FDP-192 (unsupported MFA method) and the HealthEquity replacement fails with FDP-108. That group has no working path at all.

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Comments

Coach Natalie

@Pavel Krotkov, thanks for posting to the Community!

I have moved this out of Feature Requests, as the correct path forward for the FDP-108 error with HealthEquity is to follow our official Alert for updates:

https://community.simplifimoney.com/discussion/15798/ongoing-3-6-26-healthequity-returns-an-fdp-108-error

Additionally, our engineering team already enables certain financial institutions on our other offered aggregators (Plaid and Finicity) when deemed appropriate. For example, this just happened for The Golden 1 Credit Union:

https://community.simplifimoney.com/discussion/comment/71956#Comment_71956

If at any point the HealthEquity issue is deemed unresolvable or needs to be moved to another aggregator, we will post that update in the Alert I linked above.

I hope this helps to provide some clarity!

Pavel Krotkov

Thanks Natalie — but I'd push back on the reclassification, and your reply
actually strengthens the request.

I wasn't asking for a status update on FDP-108. I'm aware of the Alert and
I'm following it. I was asking for a specific product capability, and you've
just confirmed Simplifi already has it: Plaid and Finicity are live, and
engineering enables institutions on them "when deemed appropriate." Golden 1
Credit Union got that treatment on 7/22 — two weeks ago.

HealthEquity has been broken since 2/20/26. Five and a half months.

On "if the issue is deemed unresolvable": respectfully, HealthEquity has
already made that determination and published it. They've told multiple
members in writing that passkey authentication means they no longer support
financial data aggregators, and separately that Plaid is the one aggregator
they do permit. That isn't ambiguous and it isn't going to change through
further investigation on the Intuit connector. The institution has named the
only door that opens.

So the question isn't whether the issue is resolvable — it's what criteria
put an institution into the "deemed appropriate" bucket, and what would move
HealthEquity into it. Golden 1 cleared that bar in a matter of weeks. What is
HealthEquity missing?

For context on what's at stake for one customer: seven accounts — an HSA, an
HSA investment account, two FSAs, two commuter cards, and a reimbursement
account. All with current activity. All dark since 5/31/2025.

And the competitive reality, since it's relevant to the prioritization
decision: [removed competitor mention] supports Plaid, Finicity, and MX, and Plaid maintains an
active HealthEquity integration. A competitor can see these accounts today.
Simplifi has the same Plaid capability and hasn't pointed it at this
institution.

Lastly — please reconsider moving this out of Feature Requests. It's a
request to enable an existing capability for a specific institution, which is
squarely a feature request, and other affected members can't upvote it where
it now sits.

Coach Natalie

@Pavel Krotkov, thanks for the reply!

We aren't provided with details such as ETAs, what's involved in resolving an online banking issue, or why some financial institutions may be moved to a different aggregator when others aren't. We also don't make decisions about moving institutions to another aggregator here in the Community. Any information we're given is shared in the corresponding Alert as soon as it's available.

I'd be happy to reconsider this as a Feature Request, but it would need to be more generic, such as requesting the ability to manually switch between aggregators. I don't know if this ability would be possible without our engineering team still enabling a bank for a specific aggregator, but it would at least allow our teams to see how many users would like to see the ability and provide them with use-case scenarios.

The current request to "Add Plaid as a connectivity provider for institutions that permit only Plaid" wouldn't be relevant, since we already offer Plaid for enabled institutions in Quicken Simplifi. Our FAQ here has more details on how Ideas (Feature Requests) work in the Community:

https://community.simplifimoney.com/discussion/998/creating-and-voting-for-ideas-in-the-community

Let us know how you'd like to proceed!