What to do when you can't connect your bank account

When you have been sent an invitation to receive a payment or pay an invoice, you will be asked to enter your banking information in order to complete the transaction. 

Routable uses a third-party service called Plaid that allows you to securely connect your bank account so you can send or receive ACH payments. Sometimes you may run into issues when attempting to connect your bank account via Plaid. 

Reasons your account won't connect

Bank provider isn’t found on Plaid:

While Plaid supports a large number of financial institutions in their network, there are still some banks that may not appear in their list to select.

Multi Factor Authentication (MFA) Not Working

Plaid does not currently support the specific type of multi-factor authentication in place at the selected institution. The user's multi-factor authentication setting is configured not to remember trusted devices and instead to present a multi-factor challenge on every login attempt.

If your banking provider uses its own MFA, you may encounter an error connecting via Plaid. In this instance it is recommended to manually verify your account.

Not comfortable giving banking information (Security concerns)

If you are simply not comfortable connecting your bank account through Plaid, we understand. You can read more about how Routable uses Plaid in this doc.

If you encounter any of the issues listed above, we recommend adding and verifying your bank account manually instead. 

This is done by clicking the “add your bank account with routing and account numbers” link underneath the Connect bank account button. 

This manual option requires you to verify ownership of the bank account using two small micro deposits that will be delivered to the account in 2-3 business days. 

Read more about verifying a bank accounts with micro deposits.