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Transaction History & Account Differences

When a client connects their bank account to Propio through Plaid, the amount of transaction history available at first connection varies significantly by bank, and in some cases, by account type. This article documents the confirmed limits for each supported bank you can have so you can have accurate expectations during onboarding and avoid surprises.

Why This Matters

The transaction history available on first connection determines how far back Propio can go when building a client's books. For a newly onboarded client, this is the only window you get, there is no way to retrieve additional history after the initial connection without re-linking the account. Understanding these limits per bank is essential for onboarding planning and expectations.

One important principle: Plaid can only pull what the bank exposes through its own online banking portal. The limits below reflect the bank's own data availability ceiling, not a Plaid restriction. In cases where a bank shows more history in its own interface than is reflected in Plaid, that discrepancy is noted.

Transaction History by Bank

Bank Account Type History Available via Plaid
Chase All types (Personal & Business, Checking, Savings, Credit Cards, Lines of Credit) Up to 24 months
Bank of America Checking / Savings / Mortgage Up to 18 months
Bank of America Consumer Credit Cards ~12 months (current + 11 prior statement cycles)
Bank of America Small Business Credit Cards ~18 months (current + 17 prior statement cycles)
Wells Fargo Checking / Savings / Money Market Up to 18 months
Wells Fargo Credit Card Up to 90 days or 300 transactions (whichever is greater) ⚠️
Wells Fargo Line of Credit / Installment Loan Up to 24 months
U.S. Bank Checking / Savings (all account types) Up to 18 months
American Express Credit Card (Consumer) Up to 24 months
Capital One All account types (Checking, Savings, Credit Card) 3 months only (~90 days) ⚠️
Citibank All account types Up to 18 months
Banco Popular Personal & Business Checking / Savings 45 days only ⚠️
Regions Bank Checking / Savings Up to 18 months
Relay Business Checking / Savings Up to 24 months (estimated)

Banks with Notable Limitations

  • Capital One (3 months only): Capital One is the most restrictive major bank on the list. Plaid's own support documentation confirms that only 90 days of transaction history is available for Capital One accounts, regardless of account type or how much history you request. Capital One's own website shows up to 2 years of history when clients log in directly, but this does not carry over through Plaid's API. When onboarding a Capital One client, plan for a manual import of older transactions if more history is needed.

  • Banco Popular (45 days only): Banco Popular's Business Online Banking portal explicitly limits transaction activity to 45 days. This applies to both personal and business accounts connected through Plaid. While clients can access up to 18 months of history through bank statements on Banco Popular's portal, bank statement import through Plaid is not supported for Banco Popular. For clients who bank with Banco Popular, only 45 days of transaction history will be available at onboarding, with no automated fallback for older data.

Notes on Confidence Levels

The limits above are sourced from Plaid's official documentation and each bank's own online banking FAQ. Where Plaid's documentation explicitly confirms a limit, the figure is confirmed. Where the bank's own portal is the source (and Plaid has not published a specific limit), the figure is inferred — meaning it represents the ceiling of what the bank exposes, and therefore the ceiling for what Plaid can pull.

  • Chase, U.S. Bank, Bank of America, Capital One: Confirmed directly by Plaid's support documentation.
  • Wells Fargo, American Express: Confirmed by the bank's own official FAQ.
  • Citibank, Regions Bank: High-confidence based on bank FAQ; no Plaid-specific documentation found.
  • Banco Popular: Inferred from Banco Popular's Business Online Banking portal.
  • Relay: Estimated at Plaid's standard 24-month maximum. No documented cap found.

Important Considerations

When connecting a client's bank account for the first time, the history window is set at that moment and cannot be extended retroactively. If a client's bank has a short history window — particularly Capital One (90 days) or Banco Popular (45 days) — it's worth planning upfront a manual import of older transactions to build a complete picture of their books.

For banks not listed in this table, Plaid's standard maximum of 24 months applies as a default, though the actual history retrieved may be shorter depending on the institution.

Sources

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