Why Plaid sometimes asks you to re-authenticate

Most US banks expire Plaid access tokens periodically — typically every 90 days, sometimes after a password change or new MFA device. When that happens, transactions stop syncing until you re-authenticate. Turtini surfaces this as an inline warning on the bank card, and Wally pushes a notification.

Recognizing the state:
• The bank card shows a yellow "Login required" banner
• "Last sync" timestamp stops moving forward
• A Wally notification appears: "Re-authenticate {Bank} to keep your books up to date"

Fixing it:
1. Click "Reconnect" on the bank card
2. Plaid Link opens at the right step — you only re-enter the bank credentials, Turtini already remembers which accounts you wanted to share
3. Once verified, sync resumes immediately (the next pull catches anything missed during the lockout window)

Why we don't just nag every day:
Plaid notifies us proactively with a webhook when a re-auth is required, so we only show the warning when the bank actually says it's needed. You won't see false alarms.