financial - Is there an API solution for allowing users to log in to their bank accounts with a username and password (like in Venmo)? -

i developing web service paying users. payment service apis can find allow send money users bank accounts if users enter account , routing numbers. nobody knows number off tops of heads, , feel inconvenience user deterrent.

i noticed venmo app allows users log bank accounts banks account's username , password of major banks.

does there exist api use allow users can link bank accounts without hassle?

i have since found solution looking in bank api called plaid. yodlee , intuit may have solutions well, know them both expensive me research further.

please submit further answers if find other solutions.