My Bank Won't Connect

Common Connection Issues

Having trouble connecting your bank? Here are the most common issues and how to fix them.

"I Can't Find My Bank"

If your bank doesn't appear in the search:

Try Different Names

Search the full bank name ("First National Bank")
Search abbreviations ("FNB")
Search the parent company name
Try your bank's website URL

Check If Your Bank Is Supported

Some institutions aren't supported by Plaid yet:

Very small local credit unions
Prepaid card accounts
Some investment-only accounts
International banks (limited support)

If your bank isn't available, you can request it through Settings → Accounts → Request a Bank.

"Login Failed"

If your credentials are rejected:

Verify Your Password

Go to your bank's website directly
Try logging in there first
Make sure your password works
Use that exact password in OneBudget

Check for Special Characters

Some banks have issues with passwords containing:

Spaces at the beginning or end
Certain special characters (< > & ")
Very long passwords (50+ characters)

Try updating your password at your bank if needed.

Security Questions

If your bank uses security questions:

Answer exactly as you set them up
Watch for case sensitivity
Include punctuation if you originally did

"Connection Keeps Timing Out"

Timeout errors usually mean:

Bank System Issues

Your bank may be having problems:

Check your bank's website directly
Look for maintenance notices
Wait an hour and try again

Network Issues

Your connection might be unstable:

Switch from WiFi to cellular (or vice versa)
Try from a different network
Disable VPN if you're using one

"Two-Factor Authentication Problems"

If 2FA isn't working:

SMS Codes

Make sure your phone number is correct at your bank
Check for delayed texts
Try the code immediately—they expire quickly

Authenticator Apps

Verify your phone's time is correct (sync if needed)
Codes change every 30 seconds—type quickly
Make sure you're using the right app account

Security Keys

Some hardware security keys aren't supported through Plaid. You may need to temporarily use SMS or app-based 2FA.

"Error: Account Locked"

If your bank account is locked:

Go directly to your bank's website
Look for account lockout messages
Follow their process to unlock
Wait 15-30 minutes before trying OneBudget again

Still Not Working?

If you've tried everything above:

Gather Information

Before contacting support, note:

Your bank name
The exact error message
When the issue started
Steps you've already tried

Contact Us

Email support@onebudget.ai with the details above. Include screenshots of any error messages if possible.

Check Known Issues

Some banks have ongoing issues with Plaid. We maintain a list of known problems and workarounds—ask support for the current status.