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Bank Connection Errors: Reconnect Without Breaking Underwriting

Oct 13, 2025
Troubleshooting

Bank aggregation interruptions degrade underwriting accuracy and can trigger temporary limit reductions or declines. Follow a structured reconnection sequence to preserve continuity.

Common Error Categories

  • MFA Reset: Bank updated multi-factor requirements.
  • Credential Change: User changed password externally.
  • Account Switch: Primary deposit account moved.
  • Aggregator Outage: Third-party latency or maintenance.

Resolution Flow

  1. Check provider status page / notifications.
  2. Re-authenticate; confirm only required account boxes are selected.
  3. Avoid deleting old connection until new one syncs (retains history linkage).
  4. Verify latest deposits appear; trigger manual refresh once.

Data Continuity Tips

Maintain at least one overlapping deposit cycle visible between old and new connection to stabilize limit model interpretation.

Internal Links

Troubleshooting overview; provider interfaces differ.