Choosing a bank account - troubleshooting

If you're experiencing issues with bank account selection or verification, there are several solutions available.

It's common for banking institutions to require re-verification of any authorized connections after a certain amount of time. If you initially validated your bank account using your banking credentials, you may be asked to reverify periodically to ensure the connection remains active.

If you’ve received notice that your bank account needs to be reverified, please follow the same steps to validate your account using your login credentials. If you'd prefer to be prompted less frequently, you can instead validate using your account and routing numbers.

Follow the instructions in our guide: How to choose your bank account

While Plaid supports most major banking institutions using login credential verification, some banks are not supported with this method.

If you are unable to find your bank in Plaid's list of available institutions, or if you've had trouble successfully validating your credentials, you will need to validate using your account and routing numbers instead.

Follow the instructions in our guide: How to choose your bank account

If you've been unable to find the correct 3-letter microdeposit code in your account, review the following steps:

If you've changed banks, or would prefer to update the account where you receive reimbursement payments, you can change your chosen bank account at any time.

To update your account:

If you see a specific error message while attempting to reconnect your account, review the section below for more details.

When linking your bank account using login credentials, you may see an error message. These messages typically indicate what needs to be corrected before your account can be successfully connected.

Invalid credentials
​“The username or password you entered was incorrect.”
Double-check your login credentials and try again. Make sure there are no typos, extra spaces, or outdated saved passwords.

Insufficient credentials
​“Additional information is required to connect your bank account.”
Your bank may require additional verification steps. Follow the prompts to complete setup.

Invalid account number
​“The account number provided is invalid.”
Confirm the account number directly with your bank and re-enter it carefully.

Invalid MFA
​“The security code or answer you provided was incorrect.”
Re-enter the code or answer carefully. Security codes may be case-sensitive or time-sensitive.

Invalid OTP
​“The one-time passcode you entered was incorrect or has expired.”
Request a new passcode and enter it promptly.

Invalid send method
​“The verification method selected is not available.”
Try selecting a different verification method, if available.

Account locked
​“Your bank account is locked.”
You will need to contact your bank directly to unlock your account before attempting to reconnect.

User setup required
​“Your bank account requires additional setup before it can be linked.”
Log in to your bank’s website or mobile app directly and complete any required setup steps before retrying.

MFA not supported
​“Your bank's security method isn't currently supported.”
Some banks use authentication methods that cannot be supported through Plaid. In this case, you may need to validate your account using your routing and account numbers instead.

No eligible accounts found
​“No eligible accounts were found at your bank.”
Ensure you are selecting a supported checking or savings account. Some account types may not be eligible for linking.

Access not granted
​“We weren't granted the permissions needed to connect your bank account.”
Make sure you approve all requested permissions during the linking process.

Permission revoked
​“The connection to your bank account has been revoked.”
This can happen if access was removed through your bank’s settings. Try reconnecting your account.

Too many verification attempts
​“You've exceeded the maximum number of verification attempts for this account.”
Wait before trying again, or restart the linking process.

Incorrect deposit amounts
​“The micro-deposit amounts you entered didn't match what we sent.”
Double-check the exact amounts deposited into your bank account and enter them carefully, including cents.

Rate limit
​“You've made too many bank linking attempts.”
There is a 7-day cooldown period before you can attempt to link the account again.

Expired session
​“Your bank linking session has expired.”
Restart the linking process and complete it without leaving the page.

Input timeout
​“Your bank linking session timed out due to inactivity.”
Begin the process again and complete the steps without long pauses.

Institution down
​“Your bank is temporarily unavailable for new connections.”

These errors are typically temporary. Please wait and try again later.

Institution not responding
​“We're unable to reach your bank right now.”

These errors are typically temporary. Please wait and try again later.

Institution no longer supported
​“This bank is no longer supported for direct connections.”
If possible, try linking a different bank account or validate using routing and account numbers.

“We ran into an unexpected issue connecting to your bank.”

Try restarting the linking process. If the issue continues, please contact Support and include the exact error message you’re seeing so we can investigate further.