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Why can't I connect my bank?

If you're having an issue connecting your bank or credit card, start here!

Grifin uses Plaid to connect to your bank and credit card quickly and securely. In a perfect world, all you'd need to do is login using your online banking username and password. But if that worked you probably wouldn't be reading this article!

Here are the most common errors we see from Plaid and what you should do to get around them.

Institution not supported

Plaid supports over 9,000 financial institutions, but some of the smaller ones may not be supported or may only partially be supported. If this is the case, you can still connect to your bank for your Funding Source. To do so, scroll down to the bottom of the search page inside of Plaid and select the option to Link With Account Numbers. This will only allow you to use this account to transfer money in and out of Grifin. It will not work as your Transaction connection.

Incorrect login credentials

In this case, the username or password you entered may not be correct. Rather than guessing all your most common passwords, it's best to double check your login info on your bank's website. Once you've confirmed you have the correct info there, come back to Grifin and try connecting again.

Account not fully setup

If you see this message, you'll need to log in to your bank's website (your bank's mobile app usually will not work for this) and see if there are any actions you need to take. Common reasons may be that you need to agree to an updated privacy policy or provide consent to link your bank to a 3rd party app. If nothing appears at first, then try logging in with a private browser.

Multi-factor authentication (MFA)

If you see this message, you'll need to log in to the Security Center on your bank's website to update your MFA settings. Typically changing your MFA settings to text or email verification will fix this error message. Once you make this change, try connecting your bank to Grifin one more time. If that still doesn't work, you made need to temporarily turn off your bank's MFA, connect your bank to Grifin, and then turn your MFA back on.

An unexpected error occurred/bank down

Sometimes if your bank makes a change to their system or their overwhelmed with web traffic, Plaid will lose connection to your bank. If this is the case, Plaid is working to fix it and will typically restore access in a day or two, although it has taken several weeks in the past. Check back in the app again a few days from now or you can check for updates directly from Plaid here: https://status.plaid.com/.

Other Tips

  1. Your funding source should be a checking account. Savings accounts and Cash Management Accounts (typically offered by brokerages, like Fidelity) may not work.

  2. Plaid doesn't support a few major Financial Institutions, like Apple Card, Venmo, or Cash App.

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