When a patient connects their bank account on Plaid, Basis underwrites based on a variety of factors including the patient's ending daily balances, deposits, withdrawals and the volatility of all of those to determine if their approved. Unfortunately, Basis cannot pinpoint to a specific factor as our underwriting algorithm takes into account all of these factors.

However, if the patient is not approved, they can connect another U.S. based checking account that has been in existence for 90 days to see if they're approved. There is no fee to reapply and Basis will never check the patient's credit score.