Plaid Setup and Configuration

I am new to ERPNext and am trying to get things configured. I have a Frappe Cloud instance and I want to load bank transactions and found I can do this using the Plaid integration. Coming from Odoo, it was so simple. I just clicked to add my bank and it just worked. I am not experiencing that here. I get an invalid request error.

I have read through the integration and am told to add some settings to the site_config.json file. I think I have figured out how to add to the site configuration, but not sure what to put there.

Odoo uses Plaid to connect a bank without an account. Reading on some posts here, they talk about needing an account on Plaid (a video mentions it too). If you need an account there, what type of account?

What am I missing?