> ## Documentation Index
> Fetch the complete documentation index at: https://docs.argyle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Connection Errors

> Common causes and troubleshooting.

## Overview

Bank connection errors occur when a user is actively attempting to connect a financial institution for a banking verification.

To monitor for bank connection errors:

1. Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/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.

## Bank connection errors

<div className="argyle-divider" />

### `account_closed`

<Tabs sync={false}>
  <Tab title="API message">
    The selected account could not be found or is no longer available at the banking institution.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to confirm they selected an active bank account and retry.
  </Tab>
</Tabs>

### `account_not_found`

<Tabs sync={false}>
  <Tab title="API message">
    The selected account could not be found or is no longer available at the banking institution.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to confirm they selected an active bank account and retry.
  </Tab>
</Tabs>

### `generic_error`

<Tabs sync={false}>
  <Tab title="API message">
    A connection error occurred while trying to verify the account.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to try again later.
  </Tab>
</Tabs>

### `institution_not_supported`

<Tabs sync={false}>
  <Tab title="API message">
    The selected banking institution does not currently support connections.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to choose another supported institution or use another verification method.
  </Tab>
</Tabs>

### `invalid_credentials`

<Tabs sync={false}>
  <Tab title="API message">
    The borrower provided invalid banking login credentials.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to check their credentials are valid or reset their password and try again.
  </Tab>
</Tabs>

### `mfa_issue_encountered`

<Tabs sync={false}>
  <Tab title="API message">
    A multi-factor authentication or security verification step was not completed successfully.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to retry and complete every verification prompt in one session.
  </Tab>
</Tabs>

### `one_time_passcode_issue`

<Tabs sync={false}>
  <Tab title="API message">
    There is a temporary issue preventing a successful connection to the borrower's banking institution right now.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to wait a few minutes and try again.
  </Tab>
</Tabs>

### `report_generation_failed`

<Tabs sync={false}>
  <Tab title="API message">
    We could not generate the requested banking report.
  </Tab>

  <Tab title="Troubleshooting">
    Retry report generation. If it fails again, escalate to Argyle support.
  </Tab>
</Tabs>

### `temporary_connection_issue`

<Tabs sync={false}>
  <Tab title="API message">
    There is a temporary issue preventing a successful connection to the borrower's banking institution right now.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to wait a few minutes and try again.
  </Tab>
</Tabs>

### `token_invalid_or_expired`

<Tabs sync={false}>
  <Tab title="API message">
    The borrower needs to reconnect their account to restore access and complete verification.
  </Tab>

  <Tab title="Troubleshooting">
    Contact the borrower and ask them to reconnect their account.
  </Tab>
</Tabs>

### `user_action_required_at_institution`

<Tabs sync={false}>
  <Tab title="API message">
    The borrower must sign in directly at their banking institution and complete an account action before reconnecting.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to complete the required steps and then reconnect.
  </Tab>
</Tabs>