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Plaid Sandbox Test Users

Custom users created in the Plaid Sandbox dashboard for end-to-end testing.

For logging in, use anything for the password and MFA prompt:

  • Use Chase Bank to login custom_user_depository
  • Use Charles Schwab to login custom_user_investments
  • Use First Platypus Bank to login custom_user_debts

Custom user 1: New Grad Woman

custom_user_depository

Description: Checking and emergency fund savings for basic_girl

Account 1: Primary Checking

  • Account: Primary Checking (Plaid Premier Checking Account)
  • Type: depository / checking
  • Starting Balance: $4,200.00

Transactions (January 2026)

Date Description Amount
01/01 DIRECT DEPOSIT - ACME CORP PAYROLL -$2,800.00
01/01 ONLINE TRANSFER TO SAVINGS - EMERGENCY FUND $200.00
01/01 ONLINE TRANSFER TO FIDELITY - ROTH IRA CONTRIBUTION $291.67
01/02 ONLINE TRANSFER - RIVERSIDE APARTMENTS $1,500.00
01/04 SHELL #4821 $33.81
01/06 CITY POWER & LIGHT - AUTOPAY $50.00
01/05 WHOLE FOODS MARKET $110.38
01/10 NAVIENT STUDENT LOAN PAYMENT $412.00
01/11 CHEVRON #1092 $39.84
01/12 KROGER #0421 $125.20
01/15 DIRECT DEPOSIT - ACME CORP PAYROLL -$2,800.00
01/15 ONLINE TRANSFER TO SAVINGS - EMERGENCY FUND $200.00
01/15 ONLINE TRANSFER TO FIDELITY - ROTH IRA CONTRIBUTION $291.67
01/19 EXXON #3341 $32.11
01/19 TRADER JOE'S $107.17
01/24 ULTA BEAUTY #0442 $90.90
01/25 CHICK-FIL-A #0442 $20.44
01/26 WHOLE FOODS MARKET $83.96
01/27 SPEEDWAY #8823 $36.38
01/28 CHASE CREDIT CARD PAYMENT - SAPPHIRE PREFERRED $35.00
01/28 APPLE CARD PAYMENT - GOLDMAN SACHS $55.00

Monthly income: $5,600 (2 biweekly paychecks)

Account 2: High-Yield Savings — Emergency Fund

  • Account: High-Yield Savings - Emergency Fund (Chase High Yield Savings Account)
  • Type: depository / savings
  • Starting Balance: $5,200.00

Transactions (January 2026)

Date Description Amount
01/01 ONLINE TRANSFER FROM CHECKING - EMERGENCY FUND -$200.00
01/15 ONLINE TRANSFER FROM CHECKING - EMERGENCY FUND -$200.00
01/31 INTEREST PAYMENT -$21.65

Monthly contributions: $400 (2 transfers aligned with paydays) Monthly interest: ~$21.65

custom_user_investments

Description: Investment portfolio of custom user

Account 1: Roth 401(k) — Acme Corp Roth 401(k) Plan

  • Type: investment / roth 401k
  • Starting Balance: $48,250.00

Holdings (as of 2026-01-27)

Security Ticker Qty Price Cost Basis Market Value
Fidelity 500 Index Fund FXAIX 120.50 $38.92 $28.50 $4,690.86
Fidelity Total Market Index Fund FSKAX 85.00 $124.18 $95.00 $10,555.30
Fidelity Total International Index Fund FTIHX 40.00 $118.45 $88.00 $4,738.00

Investment Transactions (January 2026)

Date Description Type Qty Price Security
01/01 Employee Contribution - Roth 401(k) cash — — USD
01/01 Employer Match - Acme Corp (50% of 6%) cash — — USD
01/01 Buy FXAIX buy 3.96 $38.20 FXAIX
01/01 Buy FSKAX buy 0.83 $122.10 FSKAX
01/15 Employee Contribution - Roth 401(k) cash — — USD
01/15 Employer Match - Acme Corp (50% of 6%) cash — — USD
01/15 Buy FXAIX buy 3.96 $38.55 FXAIX
01/15 Buy FSKAX buy 0.82 $123.40 FSKAX

Account 2: Roth IRA — Fidelity Roth IRA

  • Type: investment / roth
  • Starting Balance: $18,400.00

Holdings (as of 2026-01-27)

Security Ticker Qty Price Cost Basis Market Value
Vanguard Total Stock Market ETF VTI 95.00 $118.32 $88.00 $11,240.40
Vanguard Total International Stock ETF VXUS 45.00 $72.14 $55.00 $3,246.30
Vanguard Total Bond Market ETF BND 20.00 $84.61 $72.00 $1,692.20

Investment Transactions (January 2026)

Date Description Type Qty Price Security
01/01 Roth IRA Contribution cash — — USD
01/01 Buy VTI buy 1.73 $117.80 VTI
01/01 Buy VXUS buy 1.22 $71.50 VXUS
01/15 Roth IRA Contribution cash — — USD
01/15 Buy VTI buy 1.73 $118.40 VTI
01/15 Buy VXUS buy 1.22 $71.90 VXUS
01/20 INCOME DIV VTI DIVIDEND cash — — USD
01/20 Dividend Reinvestment VTI buy 0.312 $118.10 VTI

custom_user_debts

Description: Debts of basic_girl

Account 1: Chase Sapphire Preferred (credit card)

  • Type: credit / credit card
  • Starting Balance: $1,840.00
  • Credit Limit: $5,000
  • Purchase APR: 22.99%
  • Cash APR: 29.99%
  • Balance Transfer APR: 22.99%
  • Last Payment: $35.00
  • Minimum Payment: $35.00

Transactions (January 2026)

Date Description Amount
01/07 CHIPOTLE #0293 $11.00
01/10 AMAZON.COM $102.06
01/15 DOORDASH*THAI ORCHID $23.79
01/19 TARGET #0821 $127.38
01/23 UBER EATS*PIZZA PALACE $26.72
01/28 PAYMENT - THANK YOU -$35.00

Account 2: Apple Card (credit card)

  • Type: credit / credit card
  • Starting Balance: $3,120.00
  • Credit Limit: $6,000
  • Purchase APR: 19.99%
  • Cash APR: 24.99%
  • Balance Transfer APR: 19.99%
  • Last Payment: $55.00
  • Minimum Payment: $55.00

Transactions (January 2026)

Date Description Amount
01/04 APPLE ONE SUBSCRIPTION $14.99
01/09 GREAT CLIPS $41.15
01/11 MCDONALD'S #8821 $24.87
01/18 CVS PHARMACY #3821 $47.36
01/24 H&M #3341 $121.27
01/28 PAYMENT - THANK YOU -$55.00

Account 3: Navient Student Loan

  • Type: loan / student
  • Starting Balance: $34,500.00
  • Original Principal: $38,000.00
  • Origination Date: 2022-08-15
  • APR: 5.50%
  • Minimum Payment: $412.00

Transactions (January 2026)

Date Description Amount
01/10 NAVIENT STUDENT LOAN PAYMENT $412.00