My experience using plaid with Schwab, on which I have MFA, is that you need to add an MFA code to your password when connecting the two. It works for some duration (a few days?) and then loses sync and you have to re-enter the password+MFA combo.
Nah, Plaid's UI handles it natively. If it's required, Plaid will prompt you during the connection process with the same steps and any questions you'd encounter doing it directly on Schwab's website - "do you want a text or call" and then "enter the code" steps.