{"article":{"id":25835578989847,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/25835578989847.json","html_url":"https://support.plaid.com/hc/en-us/articles/25835578989847-How-do-duplicate-Items-work-with-Chase","author_id":1507745258722,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":25287101210519,"created_at":"2024-08-22T16:56:46Z","updated_at":"2026-06-01T01:59:53Z","name":"How do duplicate Items work with Chase?","title":"How do duplicate Items work with Chase?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-01T01:59:53Z","user_segment_id":null,"permission_group_id":1121774,"content_tag_ids":[],"label_names":[],"body":"

Historically, if a user has a Chase Item on an app and creates another Chase Item on the app using the same credentials, the existing Chase Item will become invalidated when the user completes the institution's OAuth flow.

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As of mid-April 2024*, existing Chase Items will remain healthy if the user creates a new Item with the same credentials, as long as the duplicate Item has the same permissioned accounts as the existing Item. Otherwise, the existing Chase Item will exhibit the same behavior as before, where it becomes invalidated once the user creates the new Item. Note: this preservation behavior does not apply if either Item is used with a Plaid Check product — in that case, the older Item will be invalidated when the new one is created, regardless of account overlap.

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For this reason, the onSuccess metadata approach cannot be used to prevent duplicate Items at Chase. Instead, please use alternative means of preventing duplicate Items, such as providing pre-Link messaging. If a duplicate Item is created, please delete the old Item using /item/remove.

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*Please note that if a Chase Item was created prior to mid-April 2024, it will not gain the new benefits of this change, so it will need to be deleted using /item/remove.

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