Linked Account Statuses

Run into an error while trying to connect your financial institution that made you go hmm? We got you! Below are a few you could see from time to time and what they mean for your connection. If you're seeing something that's not described below, click here for all our troubleshooting steps! 

In This Article


You can think of this as the busy signal of statuses. We're calling the financial institution to grab your recent transactions and they're letting us know they're a little busy at the moment — our call will have to wait. This is typically a temporary status, and don't worry — we'll keep calling them back and bear the elevator music on your behalf. 😓

If transactions still aren’t importing and this error is persisting for 72 hours, here is what you can do:


Check our status page — we may already be working on it!


Try removing the connection. This often gets confused with the Unlink button. Don't worry, you won't need to remove the account—just the connection—and you won’t lose any of your data! 

If transactions still aren’t importing, send us a message with the following:
  • Name of the financial institution
  • Type of account (checking, credit card, investment, loan, etc.)
  • Nickname of the account in YNAB
  • Date of the last transaction that imported 
  • Date, payee, and amount of a few transactions that haven't imported, but cleared your online banking account 3+ days ago


If you're being asked to answer your security questions or enter a one-time passcode over and over, it’s not because you’re starring in the Groundhog Day remake. The good news is it also doesn’t mean your connection is broken—it just wants proof upon proof you’re you and not a bad actor. 

Security Questions
When establishing a new connection to a financial institution, you may be prompted to answer your security questions frequently until all answers are stored. These prompts should stop once you have answered all of your security questions.

One-Time Passcode (OTP)
Some financial institutions require you to authorize frequently due to how our integration works with their site security. This can change (i.e. appear and disappear from seemingly nowhere) as institutions make site and security updates.

We can’t alter this requirement, but fortunately, you don't need to authorize the connection every time it asks—only go through the prompts when you're ready to import new transactions.

*Some financial institutions require entering your credentials as well as security questions or OTP.

Last Checked

This answers the burning question we all have — has anyone checked for my transactions lately? 🤔

What you see here represents the last time we checked for any cleared (a.k.a. "posted" to some!) transactions on your online bank statement. To avoid being that ‘are we there yet?’ road trip passenger we all know and love (🙋), we try our very best not to abuse this privilege. Put simply; our system can check for newly cleared transactions up to 3 times a day, but that timing can change if the financial institution puts restrictions on it, or if there's a temporary error trying to contact the institution during those attempts. If that happens, you'll see a longer timestamp (24+ hours) between checks. 

*The Last Checked timestamp is updated to confirm the connection is working — regardless of whether transactions were available for import.

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