Linked Account Statuses

Did you run into an error while trying to connect your financial institution? We got you!  This article will explain what each connection status means and what you should do next. 

If you're seeing something that's not described below, follow our troubleshooting steps

In This Article

Delayed 🔧

You can think of Delayed (with the small wrench icon) 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. 😓

clicking the wrench icon to the right of an account brings up a window that gives details of the import status

Here's what to do if transactions still aren’t importing and this error is persisting for 72 hours:

  1. Check our status page — we may already be working on it.
  2. Remove and re-add 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.
  3. Since your transactions haven't imported in a few days, your budget may not be up to date. Fix this quickly using any of these alternative methods. Once Direct Import starts working again, transactions with the same date and amount will be skipped to avoid duplicates.

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

Reauthorize 🔑

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—your bank just wants proof upon proof you’re you and not a bad actor.  This requirement is expected, and 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.

if the status window says to reauthorize the connection, click the continue button at the bottom to re-enter credentials

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've 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.

*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? 🤔

if there is a checkmark next to an account, click it to bring up the status window and see when it last checked for imports

What you see here represents the last time we checked for any cleared (a.k.a. "posted") transactions on your online bank statement. To avoid being that ‘are we there yet?’ road trip passenger we all know and love (🙋), we try not to abuse this privilege. Put simply; our system can check for newly cleared transactions up to 4 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.


It's safe to say this isn't our favorite status. But, there will be instances where a financial institution can no longer be supported. Does this mean you'll never be able to connect again? No. It means circumstances (i.e. connection instability, poor data quality, etc.,) are preventing us and our import provider from being able to support it currently. 

In the meantime, keep your accounts updated using our other transaction entry options and send us a message if you have any questions about how to move forward. 

Send a Message

If you still have questions, or your connection still isn't working after trying the troubleshooting steps provided, it's time to send us a message. Depending on where you're reading this article, you have some options:

  • If you have a gray "x" in the upper right corner of this little document, that's your path to Send a Message—which will even give you an option to chat with us if we're available!
  • If you're in this doc on a web browser, use the blue question mark in the corner to reach out!
  • And you can always email us at [email protected]
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