Account Health

Account Health

Curl Budget monitors your connected accounts and alerts you when something needs attention. This guide covers connection statuses, common issues, and how to resolve them.

Connection Status

Healthy

Status: Connected

Everything is working normally:

• Transactions syncing automatically
• Balance updating regularly
• No action needed

Indicators:

• Green status badge
• Recent "Last synced" timestamp
• No error messages

Needs Attention

Status: Action Required

The connection needs you to do something:

• Re-authentication required
• Additional verification needed
• Credentials changed

Indicators:

• Yellow or orange status badge
• "Needs attention" message
• Notification sent to your device

Error

Status: Connection Error

Something is wrong with the connection:

• Bank systems temporarily unavailable
• Connection timeout
• Technical issue

Indicators:

• Red status badge
• Error message displayed
• Sync has stopped

Disconnected

Status: Not Connected

The account is no longer linked:

• You disconnected the account
• Bank revoked access
• Connection was permanently broken

Indicators:

• Gray status badge
• "Disconnected" label
• No sync occurring

Checking Account Health

Quick Check

From the main screen:

1. Look at account cards
2. Status icons show health at a glance
3. Tap any account for details

Detailed View

For more information:

1. Go to Settings → Accounts
2. View all accounts with status
3. Tap an account for full health details

Notifications

Curl Budget notifies you when accounts need attention:

• Push notification when issues arise
• In-app badge showing problem count
• Email for critical issues (if enabled)

Common Issues

Re-authentication Required

What happened: Your bank requires you to verify your identity again. This is normal and happens periodically for security.

How to fix:

1. Tap the account showing the issue
2. Tap "Re-authenticate" or "Fix Connection"
3. Log in with your bank credentials
4. Complete any security verification
5. Sync resumes automatically

Why this happens:

• Banks require periodic re-verification
• You changed your password
• New device or location triggered security
• Bank updated their security requirements

Credentials Changed

What happened: Your bank login no longer works because you changed your password or username.

How to fix:

1. Tap the account showing the issue
2. Tap "Update Credentials"
3. Enter your new bank login
4. Sync resumes with new credentials

Prevention: After changing your bank password, proactively update the connection in Curl Budget.

Multi-Factor Authentication

What happened: Your bank requires additional verification (text code, authenticator app, etc.).

How to fix:

1. Tap the account showing the issue
2. Start the re-authentication flow
3. Complete your bank's MFA process
4. Return to Curl Budget
5. Connection should resume

Tips:

• Have your phone ready for SMS codes
• Keep your authenticator app accessible
• Some banks require MFA every 30-90 days

Bank Temporarily Unavailable

What happened: Your bank's systems are temporarily down or unreachable.

How to fix:

1. Wait a few hours
2. Try refreshing the connection
3. If persistent, try full re-authentication
4. Contact support if issue continues beyond 24 hours

Why this happens:

• Bank maintenance windows
• Bank system outages
• High traffic periods
• Network issues between Plaid and bank

Connection Timeout

What happened: The sync took too long and was interrupted.

How to fix:

1. Pull down to refresh
2. Wait a moment and try again
3. Check your internet connection
4. Try on a different network

Account Closed

What happened: The bank account no longer exists.

How to fix:

1. Disconnect the account in Curl Budget
2. Choose whether to keep transaction history
3. Add a new account if you opened a replacement

Institution No Longer Supported

What happened: Your bank is no longer available through Plaid.

How to fix:

1. Disconnect the automatic connection
2. Create a manual account
3. Import transactions via OFX/CSV
4. Check back periodically—support may return

Resolving Issues

Step-by-Step Troubleshooting

Level 1: Quick Refresh

1. Pull down on the transaction list
2. Wait for sync to complete
3. Check if issue is resolved

Level 2: Force Reconnect

1. Go to the account settings
2. Tap "Refresh Connection"
3. Wait for verification
4. Check status

Level 3: Re-authenticate

1. Go to the account settings
2. Tap "Re-authenticate"
3. Complete bank login
4. Finish any verification steps
5. Check status

Level 4: Disconnect and Reconnect

1. Disconnect the account (keep history)
2. Add the account fresh
3. Re-authenticate with your bank
4. Check that sync works

Level 5: Contact Support If nothing else works:

1. Note the error message
2. Note what you've tried
3. Contact Curl Budget support
4. Include account type and bank name

After Resolving

Once an issue is fixed:

• Historical transactions may take time to backfill
• Check recent transactions are appearing
• Verify balance is current
• Monitor for the next few days

Preventing Issues

Keep Credentials Current

When you change bank passwords:

1. Update in Curl Budget promptly
2. Don't wait for sync to fail
3. Re-authenticate proactively

Regular Check-Ins

Periodically verify connections:

1. Review account status weekly
2. Address warnings promptly
3. Don't let issues pile up

Enable Notifications

Make sure you receive alerts:

1. Allow push notifications
2. Check notification settings
3. Respond to alerts promptly

Stable Authentication

If possible:

• Use OAuth banks (more stable)
• Keep MFA methods consistent
• Avoid frequent credential changes

Notification Settings

Configure how you're notified about account issues:

Account Status Alerts

Enable/disable notifications for:

• Connection errors
• Re-authentication needed
• Sync failures
• Successful reconnection

Alert Timing

Choose when to be notified:

• Immediately when issues occur
• Daily digest of account health
• Only for critical issues

See Notification Settings for configuration.

When to Contact Support

Contact Curl Budget support if:

• Issues persist after re-authentication
• The same error keeps recurring
• You see unexpected behavior
• Multiple accounts affected simultaneously
• Error messages are unclear

Include in your support request:

• Bank/institution name
• Error message (screenshot if possible)
• Steps you've already tried
• How long the issue has persisted

Related Features

• Plaid Integration - How bank connections work
• Apple Accounts - Apple-specific connections
• Push Notifications - Get alerted to issues
• Notification Settings - Configure alerts