I am having trouble with automated bank verification. What should I do?

Question

Accepted Answer

There are multiple reasons the automated bank verification step may not be successful. Below are the most common errors and tips for success:

Ensure you are using a stable internet / WiFi connection.
Attempt logging into your bank account to ensure your banking login credentials are correct. Click through any promotions, updates, or personal verification to ensure you are able to view your account. When complete, please attempt bank verification again.
Ensure your online banking account has your current phone number and email for multi-factor authentication. This includes updating your security questions when logging into your account.

Most common errors:

Error
Description
Solution

Invalid / Incorrect Credentials
User incorrectly entered their credentials.
Verify your credentials are accurate and attempt the process again.

Invalid MFA (multi-factor authentication)
User incorrectly submitted answers or codes for multi-factor authentication.
Re-enter the MFA selections, code, or question answers. Verify your information is up to date and accurate by logging into your online bank account.

Account Locked
User&acirc;&#128;&#153;s account is locked. Most commonly due to entering credentials incorrectly too many times.
Contact your financial institution or log into your online bank account to resolve the issue and unlock your account.

Account Not Yet Authorized for Online Use
User&acirc;&#128;&#153;s online bank account is not fully set up at their financial institution.
Contact their financial institution or log into your online bank account to complete setting up your account.

Account Not Supported / No Accounts Available
The type of account with your financial institution or the type of MFA used is not supported.
Attempt to connect with a different type of account, specifically the checking account that receives the majority of your direct deposits.

Institution or Service is Down, Not Responding, Not Available
Bank or provider is temporarily down, preventing user from connecting their account &acirc;&#128;&#147; most commonly due to website maintenance.
Attempt to connect at a later time. Verify your banking institution is no longer down, by contacting or logging into your online bank account.

Error	Description	Solution
Invalid / Incorrect Credentials	User incorrectly entered their credentials.	Verify your credentials are accurate and attempt the process again.
Invalid MFA (multi-factor authentication)	User incorrectly submitted answers or codes for multi-factor authentication.	Re-enter the MFA selections, code, or question answers. Verify your information is up to date and accurate by logging into your online bank account.
Account Locked	User’s account is locked. Most commonly due to entering credentials incorrectly too many times.	Contact your financial institution or log into your online bank account to resolve the issue and unlock your account.
Account Not Yet Authorized for Online Use	User’s online bank account is not fully set up at their financial institution.	Contact their financial institution or log into your online bank account to complete setting up your account.
Account Not Supported / No Accounts Available	The type of account with your financial institution or the type of MFA used is not supported.	Attempt to connect with a different type of account, specifically the checking account that receives the majority of your direct deposits.
Institution or Service is Down, Not Responding, Not Available	Bank or provider is temporarily down, preventing user from connecting their account – most commonly due to website maintenance.	Attempt to connect at a later time. Verify your banking institution is no longer down, by contacting or logging into your online bank account.