When a financial account becomes disconnected from Monarch, you may see a message explaining why it happened and what to do next. These messages are based on secure information we receive from your institution through our data providers (Plaid, Finicity, MX, and others).

Below are the most common connection statuses, along with details and troubleshooting steps.

Jump to a specific issue:

Multi-Factor Authentication Required

Access Expired

Sign-In Required

Action Needed on Account within Financial Institution

Multi-Factor Authentication Required

Message shown in Monarch:

This connection requires MFA, so you’ll need to log in from time to time to keep it in sync. Login frequency is set by your institution.

What this means

Your financial institution requires additional identity verification, like a code sent to your phone or answering a security question, before allowing access through third-party apps like Monarch. This process is known as multi-factor authentication (MFA).

Disconnections like this are common if:

• Your institution expires MFA sessions quickly.
• You haven’t completed a recent MFA prompt.
• You skipped or didn’t finish the last MFA step.

What to do

1. Click Update next to the disconnected account on the account details page.
2. Complete your institution’s MFA prompt.
3. Once that’s done, your account should reconnect and update automatically.

Tips

• If you’re not receiving the code, double-check your contact info with your institution.
  • Some institutions let you choose how MFA works. A security question may help you stay connected longer than a code sent to your device.
• Some institutions require constant MFA updates. If you get this message often, like daily, it is likely how your institution has chosen to sync.

Access Expired

Message shown in Monarch:

Your institution grants only temporary access to your data. To continue syncing, reauthorize the connection.

What this means

Some institutions give third-party apps access only for a limited time. When that time runs out, you’ll need to reauthorize the connection through your institution’s secure login process.

This is expected behavior and happens regularly with certain banks.

What to do

1. Click Update next to the account on the account details page.
2. Follow the steps to sign back in through your institution.

Tips

• You may need to reauthorize your connection every 30–90 days.
• If reauthorization fails to load, try using a private/incognito browser window.

Sign-In Required

Message shown in Monarch:

Access to your financial institution is no longer valid. Please re-enter your login details to restore the connection.

What this means

Your login credentials are no longer working. This can happen if:

• You recently changed your username or password.
• Your institution signed you out for security reasons.
• There were too many failed login attempts.

What to do

1. Go to your institution’s website and make sure you can sign in.
2. Return to Monarch and click Update next to the account on the account details page.
3. Enter your login credentials manually. Avoid using auto-fill or a password manager.

Tips

• If reconnecting doesn’t work, try a private or incognito window.
• You might also be prompted to complete an MFA prompt or CAPTCHA.

Action Needed on Account within Financial Institution

Message shown in Monarch:

Your financial institution is blocking the connection until you take action in their system, like updating a password or accepting new terms.

What this means

Your institution is temporarily blocking access to your account. Usually, that means you need to take care of something on their website, like:

• Accepting new terms and conditions.
• Resetting your password.
• Updating your contact information.
• Viewing an alert or security message.

Monarch can’t sync your data until the institution clears the hold.

What to do

1. Go to your institution’s website in a private or incognito browser window.
2. Sign in and look for any prompts, alerts, or requests.
3. Once complete, return to Monarch and click Update next to the account on the account details page.

Tips

• If nothing appears, try signing in on a different device or browser.
• If you reset your password, be sure to sign out and back in to confirm it worked.