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Overview

Banking verification errors can occur while a borrower connects a financial institution, while account data is aggregated, or while Argyle generates a banking report. To monitor for bank connection errors:
  1. Subscribe to the verifications.updated webhook and set include_resource = true so the webhook payload contains the full verification object in data.resource.
  2. When you receive the verifications.updated webhook or are encountering bank connection issues, check the verification object’s status. If the status.state value is PAUSED, check the errors array in the status object.
  3. Proceed to the troubleshooting steps below for the bank connection error that matches the code value.

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Bank connection errors

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account_closed

The selected account could not be found or is no longer available at the banking institution.

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account_not_found

The selected account could not be found or is no longer available at the banking institution.

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account_unrecoverable

The borrower needs to reconnect their account to restore access and complete verification.

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aggregation_in_progress

The bank account is still being aggregated, so the requested report cannot be generated yet.

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generic_error

A connection error occurred while trying to verify the account.

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institution_not_supported

The selected banking institution does not currently support connections.

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invalid_credentials

The borrower provided invalid banking login credentials.

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mfa_issue_encountered

A multi-factor authentication or security verification step was not completed successfully.

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no_accounts_connected

The borrower did not connect an eligible bank account, so the requested banking report could not be generated.

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one_time_passcode_issue

There is a temporary issue preventing a successful connection to the borrower’s banking institution right now.

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report_generation_failed

We could not generate the requested banking report.

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temporary_connection_issue

There is a temporary issue preventing a successful connection to the borrower’s banking institution right now.

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token_invalid_or_expired

The borrower needs to reconnect their account to restore access and complete verification.

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user_action_required_at_institution

The borrower must sign in directly at their banking institution and complete an account action before reconnecting.