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Troubleshooting Plaid Account Connection Errors in PocketPlan
PocketPlan uses Plaid to securely connect your bank, brokerage, and retirement accounts.
While the connection process is highly reliable, errors can occasionally occur due to external factors such as bank security settings or temporary outages.
This guide helps you quickly identify and fix the most common issues.
Why Connection Errors Happen
Most connection issues are not caused by PocketPlan itself. Instead, they usually result from:
- incorrect login credentials
- bank security requirements
- temporary server outages
- expired or outdated connections
Common Plaid Connection Errors (and How to Fix Them)
Incorrect Credentials
Cause
Your bank username or password was entered incorrectly.
Solution
- log in directly on your bank’s website or app
- verify your credentials are correct
- re-enter them in PocketPlan carefully (case-sensitive)
Multi-Factor Authentication (MFA) Required
Cause
Your bank requires a one-time security code that must be verified.
Solution
- check your SMS or email for the verification code
- enter the code when prompted in PocketPlan
- complete the authentication process
Temporary Outage (Error Code 108)
Cause
Your bank’s servers may be temporarily unavailable or under maintenance.
Solution
- wait a few hours or until the next day
- try reconnecting your account again
This is a common issue and usually resolves automatically.
Connection Refresh Failure
Cause
Your bank requires you to reauthorize the connection periodically.
Solution
- go to Linked Accounts in PocketPlan
- find the affected account
- tap Update or Re-link
- re-enter your credentials
What to Do If the Problem Continues
If the issue persists after trying the solutions above:
Contact Your Bank
Some financial institutions may block third-party services like Plaid.
Ask your bank:
- if third-party connections are allowed
- if any security settings are blocking access
Contact PocketPlan Support
If your credentials work on your bank’s website and the issue continues for more than 24 hours:
- submit a support request through the app
- include:
- bank name
- error code
- description of the issue
This allows the PocketPlan team to investigate directly with Plaid.
Best Practices to Avoid Connection Issues
- always verify your bank credentials before connecting
- complete MFA steps promptly
- update expired connections regularly
- avoid repeated login attempts with incorrect details
Most Plaid connection errors are temporary or credential-related and can be resolved quickly by verifying login details or retrying later.
Key Takeaway
Plaid connection errors are usually caused by external factors such as bank security settings or temporary outages.
By following the troubleshooting steps above, you can quickly restore your account connection and continue using PocketPlan without interruption.
Frequently Asked Questions
Why is my bank not connecting to PocketPlan?
This is usually caused by incorrect credentials, MFA requirements, or temporary outages from your bank.
What is Plaid error code 108?
Error 108 indicates a temporary outage or maintenance issue on your bank’s servers.
How do I fix MFA issues when connecting my account?
Check your phone or email for the verification code and enter it when prompted.
What should I do if the connection keeps failing?
Verify your credentials, wait 24 hours, and contact support if the issue continues.
