Guide to Connecting Your Accounts

You get the most value out of Monarch when you can connect all of your financial institutions and accounts and see your information sync. Having this data helps you set a realistic budget and goals and plan for the future!

A financial institution that you connect could be your bank or credit card company, a loan, an investment, and more. Within a financial institution, you may have multiple financial accounts that you can choose to add in Monarch once the institution is connected. Financial accounts could be things like your checking and savings account at your bank or several different credit cards from the same institution, like American Express.

Our data providers

We use three main data providers to connect financial institutions in Monarch: Plaid, Finicity, and MX. We default to the provider that should have the best connection for you, but we also offer the ability to choose a different provider if needed.

Some types of institutions and accounts have a specific connection (like homes through Zillow or cars through Vinaudit) that can be used instead of our 3 primary data providers.

For more information about data providers, why we use them, and how they work, please click here.

Add your accounts

• Start by searching for and adding your financial institution(s).
• You can also access the Institution Settings page to view a list of your accounts or make changes to them.

Update login settings

Sometimes, your financial institution may require you to update your login settings to verify your account.

On the Institution Settings page, you can update your login settings.

• Find your institution, select "...," and then select "Update login settings."
• This will walk you through updating your credentials and refreshing your connected accounts.
• You can also use this to pull in newly opened accounts or accounts that have yet to sync.

More helpful articles

• Understanding data providers and connections
• Refreshing all of your accounts
• Choosing a different data provider
• How to edit your accounts
• Troubleshooting missing or duplicate transactions
• Merge history to another account

Troubleshooting Recommendations

If you have issues with an account connection, please review this list of popular institutions and recent United States and Canada connection status updates.

While we're working to provide consistent and reliable institution connections, there are times when you may experience an error, delayed data, or other connectivity issues. Some of the most common issues and solutions are below.

Connection Help

• Adding an account fails.
  • Try using a different browser or use the app instead of the web and vice-versa.
  • Make sure you’re selecting the correct financial institution. Try searching for it by typing in the website for that institution, like chase.com, to verify.
  • Ensure you are able to login to your bank's website successfully, as their login site may have changed or may be down.
• My credentials are wrong.
  • Sign in to your bank in a different tab, then try again in Monarch.
  • Sometimes the financial institution has a temporary error, and waiting 24 hours can help.
  • Try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
• I received an error.
  
  • Ensure you are able to login to your bank's website successfully, as their login site may have changed or may be down.
  • Wait 24 hours and try connecting to this institution again.
  • Try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
  • If that doesn't work, please try adding the institution through another one of our data providers available. Learn more here: Choosing Your Data Provider.
• I have to reconnect the account frequently.
  • Some institutions require frequent authorizations to maintain connections due to security settings at the bank level.
  • This can also be due to maintenance or issues with the institution, including their own choice to disconnect to discourage users from accessing account information with a third party.
  • Try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
• I am not receiving the security codes.
  • Try logging into your bank website to ensure that you receive the security code if they send it to you directly. If not, you may need to contact your bank or update your settings.
  • Try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
  • Disconnect and reconnect to this institution using a new data provider connection.
• My bank uses multi-factor authentication (MFA)
  • Some institutions will have a settings or preference to disable access to all 3rd party apps like Monarch. If you have configured multi-factor authentication, the settings for enabling access to other apps is usually in the same part of the institution's website as that. We recommend granting access.

Transactions Help

• Transactions are missing.
  • If this is a new account, please know that the amount of history we receive from each institution may vary - some banks will send only a few months, while others may send several years. We cannot control how much history we receive from the bank. If you want a more complete picture of your finances, you can manually import old transactions and account balances.
  • We recommend allowing 24-48 hours for transactions to appear in Monarch. If they have not appeared yet, check to see if they have posted to your account - some institutions will not send pending transactions, and only share the transaction once it has posted.
  • Try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
  • If they do not start populating, you can try adding the institution through another the other available data providers available to see if they are able to pull a more complete list of transactions. Learn more here: Choosing Your Data Provider.
  • If none of the available connection options work to pull in the transactions, then you can import a .CSV of your transactions to keep your account up to date.
• Transaction values are wrong.
  • Verify the transaction is not pending (as the final amount may update when the transaction posts) and correct on your bank's website.
  • Disconnect and reconnect to this institution using a new data provider connection.
• I see duplicate transactions.
  • Ensure you only have the account connected once by checking your accounts page. If the account is connected more than once, you may need to delete one.
  • You can delete duplicate transactions from your account using the "edit multiple" option.
  • If this is a persistent issue, try adding the institution through another one of our data providers available. Learn more here: Choosing Your Data Provider.
• I have a new or replacement card for a connected account.
  • First, rename the old account (i.e. "Bank - Old") and hide it. Then, go to your Institutions settings page, go through the "Add Account" flow and log into this institution again and select the accounts that are missing. If you add these and start to see duplicate accounts, you can delete the duplicates with bulk editing.
• The categorizations of my transactions are wrong.
  • You can recategorize transactions as many times as you want. You can also create a rule to continue applying a specific category to a specific merchant.
• My import file didn't work as I expected.
  • Make sure your import file is formatted as outlined here to make sure it can pull in your data correctly. Hint: delete any header rows.

Account Help

• My account balance is wrong.
  • If you have recently connected your account and see an incorrect balance, be sure that your balance matches up to all of your transactions that are not pending.
  • If it is still incorrect, try clicking "Refresh all" at the top of the account page.
  • Try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
• Transactions no longer sync to this account.
  • It is recommended to wait 24-48 hours to see if transactions pull in, but you can also manually refresh an account by clicking "Refresh all" at the top of the account page.
  • If they do not start populating, you can try re-adding your login information by going to your account settings and clicking the three dots to the far right of the account name and selecting "Update login settings."
  • Try adding the institution through another one of our data providers available. Learn more here: Choosing Your Data Provider.
  • If that fails to fix the issue, you can import a .CSV of your transactions to keep your account up to date.
• I'm missing an account.
  • Go to your Institutions settings page, click the three dots to the far right of the institution name, and go through the Update Login settings flow in order to log in to this institution again and select the missing account.
  • If you add these and see duplicate accounts, you can delete the duplicates.
• I see duplicate accounts.
  • You can always delete the duplicates.
  • For Chase accounts, we are seeing an issue where multiple Chase credentials are clashing, causing one to be in an unhealthy state and causing persistent disconnects or duplicates. Learn more about how to merge your accounts together.
• This account type is wrong.
  • Sometimes when connecting new accounts, we get incorrect account-type information from banks. You can update the type and invert the balance if needed. Learn more here: Fixing Inverted Balances.
  • If you continue to have trouble connecting your account to Monarch (or keeping it connected in Monarch), you can also create a separate manual account.

If you continue to have trouble connecting your account to Monarch (or keeping it connected), you can also create a manual account.