How do I fix a bank connection?

Banks can invalidate Plaid connections after password changes, security reviews, multi-factor authentication changes, bank-side OAuth updates, or when access is revoked from the bank or Plaid dashboard.

Finance AI may also ask for a refresh if Plaid rejects an old transaction-sync cursor after a connection is replaced. When that happens, Finance AI resets the cursor and pulls transactions again.

Finance AI refreshes balances and transactions for that institution. Newly synced transactions appear in your transaction list even before the AI has categorized them.

Uncategorized rows show AI will categorize tonight, then spending charts, cash-flow charts, widgets, and weekly insights update after the missing transactions are categorized.

If the bank requires a fresh login, Finance AI cannot receive new transactions from that institution until the Plaid repair flow succeeds.

• A top-of-screen warning appears when any connected institution has a sync issue.
• You can dismiss the warning for 30 days. It will stay hidden during that window, and you can still review accounts directly from Net Worth.
• The Connected Accounts section marks the institution as Needs attention until it syncs successfully. Tap the institution to open its detail screen and use Fix login or Fix sync.
• If Finance AI shows Fix sync, Plaid account access may need review even if the bank login itself is not failing.
• Use Manage connection from the institution detail screen instead of connecting the same bank again when you want to refresh permissions or add accounts to an existing Plaid connection.
• Finance AI keeps the app unlock state steady while Plaid is open so the repair can finish after you return.
• If Plaid changes an account identifier after a repair, Finance AI matches the rotated account back to the existing row only when the old identifier disappeared from the same Plaid account snapshot and the account identity is unique—even when the institution does not provide a last-four mask. Ambiguous replacements and stale duplicate identities stop syncing for review instead of creating or silently retaining a possible duplicate.
• If Plaid says the original connection no longer exists, Finance AI starts a fresh Reconnect flow. Reconnect the same bank login and select at least one account already shown in Finance AI; the app replaces the expired Plaid credentials in place so existing transaction and categorization history stays attached.
• Plaid-connected institution rows open a detail screen with the accounts under that connection, plus Manage connection and Delete institution actions.