Reauthentication is required when your linked bank accounts in the Currence app need to be refreshed to maintain a secure and active connection. This process ensures that your financial data remains up-to-date and accessible.
There are multiple reasons why your bank may require you to reauthenticate your connection through Plaid. We have listed some common reasons below:
1. Your bank requires you to re-authenticate
For security reasons, many banks periodically require you to log in again and re-confirm access. This can happen even if nothing changed on your end.
2. Your bank updated its security settings
Banks sometimes change their login process (e.g., new multi-factor authentication, updated security questions, new terms of service). When this happens, Plaid needs you to log in again.
3. Your password or username changed
If you recently updated your bank credentials, Plaid can no longer access the account with the old login.
4. Your bank session expired
Some banks limit how long third-party connections (like Plaid) stay active before requiring re-verification.
5. Multi-factor authentication (MFA) was triggered
Your bank may require a one-time code (via text, email, or app) to confirm access.
6. The bank temporarily blocked third-party access
Occasionally banks flag external connections for review or temporarily block them.
7. Too many failed login attempts
If there were multiple failed attempts (even automatic ones), the bank may require manual re-authentication.
Best Practices for Maintaining Account Connections
Regularly check the Linked Accounts section in the Control Panel to ensure all connections are active.
Complete the reauthentication process as soon as you receive a notification or notice any issues with your linked accounts.
Guide for Reauthentication
Follow these steps to reauthenticate or refresh your linked bank accounts:
Open the Currence App
Navigate to the app's home screen.
Access the Control Panel
Tap on the Control Panel option in the app menu.
Go to Linked Accounts
Select the "Linked Accounts" section to view your connected bank accounts.
Reauthenticate Accounts
If prompted, reauthenticate any accounts that show they require action.
If no prompt appears, you can manually refresh the connection:
Select "Link New Account."
Choose the same external bank you previously linked.
Complete the Plaid workflow.
Select Previously Shared Accounts
When prompted during the Plaid workflow, ensure you select the same accounts you previously shared to maintain consistency in your connections.
Troubleshooting Tips for Missing Notifications
If you do not see a notification to re-link your bank accounts, follow these steps:
Manually Refresh the Connection
Go to the Control Panel > Linked Accounts
Select Link New Account
Choose your previously linked external bank.
Complete the Plaid workflow to refresh the connection
Ensure Consistency - During the process, select the same accounts you previously shared to avoid any discrepancies.