Common Reasons Your Bank Won't Connect
There are a few common reasons why a bank connection might fail. Here's what to check:
Bank not supported — While Spendify supports thousands of financial institutions through Plaid (and Apple FinanceKit on iOS), some smaller banks or credit unions may not be available yet.
Bank maintenance or outages — Banks occasionally perform scheduled maintenance that temporarily prevents third-party connections. This is usually resolved within a few hours.
Incorrect credentials — Double-check that you're entering the exact username and password you use to log into your bank's website or app.
Multi-factor authentication (MFA) issues — If your bank uses MFA (text codes, security questions, etc.), make sure you're completing the verification step during the connection process.
Bank requires updated security settings — Some banks require you to enable third-party access or update your MFA settings before connecting.
Troubleshooting Steps
Verify your bank login works — Try logging into your bank's website or app directly to make sure your credentials are correct and your account is in good standing.
Check for bank outages — Visit your bank's website or social media to see if they've reported any known issues.
Wait and try again — If your bank is undergoing maintenance, try connecting again in a few hours.
Update your MFA method — If your bank recently changed how they handle verification, log into your bank directly and update your security settings before trying to connect in Spendify.
Try Apple FinanceKit (iOS only) — If you're on an iPhone, you can try connecting through Apple FinanceKit as an alternative to Plaid.
When to Contact Support
If you've tried the steps above and your bank still won't connect, reach out to our support team through the app. Let us know:
The name of your bank
Any error messages you're seeing
What steps you've already tried
We'll do our best to help you get connected.