In this article:How to connect an external bank accountHow to view connected external bank accountsHow to set your primary bank accountTroubleshooting bank connection issuesFrequently asked questions
InformationBodyConnecting an external bank account allows you to securely link another financial institution to your Bluevine account. This connection is established through Plaid,1 a third-party provider that lets you sign in to your bank and select the account you want to link. Once connected, we may access limited account information,2 such as balances and recent transactions, to support features like transfers, account verification, or application reviews. Tip: In some cases, linking an account with at least six months of transaction history is recommended for the best results. However, connecting an external bank account does not guarantee faster approvals, increased limits, or reduced processing times. Regular account usage may also help build history over time, even if you do not connect an external bank account. How to connect an external bank account You can usually connect an external bank account from either the Bluevine web dashboard or mobile app. On desktop or web Sign in to your Bluevine dashboard.Go to External Accounts or the equivalent section in your account settings or navigation menu.Select Add Bank Account. In the Plaid module, search for your bank and select the correct option from the list.Enter your bank login credentials.Complete any multi-factor authentication or security prompts, if required.Select the account you want to connect.Confirm the connection and wait for verification. If more than one version of your bank appears in the search results, choose the option that matches the exact sign-in experience you use on your bank’s website, such as business versus personal banking. In some cases, all eligible accounts may be detected, but only the account you select will be set up for the intended use, such as transfers or ongoing verification. Once the connection is successful, the account may appear as "Verified" or "Connected" in your External Accounts list. On mobile Sign in to the mobile app.Go to External Accounts.Tap Add Bank Account and then Continue.In the Plaid module, enter your phone number or continue as a guest.Search for and select your bank.Enter your online banking credentials for your external bank. Complete any required authentication steps.Select the account you want to connect.Confirm the connection and wait for verification. How to view connected external bank accounts In the External Accounts section on your Bluevine dashboard, you can set your primary external bank account, plus view, delete, or connect any other external accounts to your Bluevine account. How to set your primary bank account An externally connected primary bank can be designated as the primary account for a specific purpose, such as: loan or payment repaymentrecurring withdrawalsfunding activitydefault transfer activity This account designation is important because it is the primary account used to evaluate lending eligibility and/or other qualification criteria. A bank account must be connected first before it can be selected as the primary bank account. Then, you can select it as your primary bank account by updating your connected external accounts. Sign in to your Bluevine dashboard.Go to External Accounts.Select the account you want to use. If the account is not yet linked, connect it first. Open the menu or settings icon next to that account.Select Make primary. Confirm the update if prompted. In some cases, you may only see the option to set an account as primary after the connection is complete. If you already have a primary bank account on file, you may need to open the settings for that account or the newly connected account to make the change. Troubleshooting bank connection issues Sometimes the account appears connected, but transfers, updates, or data refreshes still fail. This can happen if your bank changed its login or security settings, your credentials were updated, or the account has restrictions on external transfers. Reconnecting the account often resolves the issue. You may also need to confirm directly with your bank that the account supports the type of activity you’re trying to complete. If your bank connection is not working, there are a few common reasons. Before troubleshooting: Make sure you’re using a stable internet connection and an up-to-date browser or app. Try connecting from a desktop or laptop for the most reliable experience.Try clearing your browser cache and cookies or using an Incognito window.Ensure the external bank’s online services are operational. If issues persist, use the table below to troubleshoot: Issue Likely causes Try this Can’t connect your bank via Plaid The wrong bank type was selected. Your bank login credentials are incorrect.Your bank does not support Plaid connections. Double-check that you’ve selected the correct bank type (business/personal).Confirm that the bank URL displayed in Plaid matches your actual bank login page.Make sure your online banking login credentials are correct by logging in directly to your bank’s website.Turn off auto-fill and enter credentials manually.Reach out to your bank to confirm Plaid is supported. Bank account shows as “Pending” A "Pending" status usually means the account is still being verified or the platform is waiting for a response from your bank. Verification may take 2–3 business days. If it stays pending longer, try reconnecting the account using the steps below or contact support for additional assistance. Account is connected but transfers fail Your bank updated its security settings.Your login credentials changed.The account has restrictions on ACH transfers. Reconnect the account, or disconnect and reconnect the account, using the steps below.Ensure the account allows external transfers and isn’t blocked by your bank. Not receiving MFA code from external bank / MFA code not working during Plaid connection If you've requested multiple codes, each new code invalidates the previous one. Your bank's MFA credentials are incorrect.The MFA code was delivered to spam.Your bank or Plaid may be experiencing service issues. Do not request a second code until you're sure the first doesn't work.If you’ve requested multiple codes in a row, be sure to use the most recent one. Test your bank's MFA by signing in to your online banking. If you do not receive a code, then the issue is with the bank. Reach out to your bank to report the issue.If you do receive a code, then the issue is with Plaid. Contact us to investigate the issue. MFA codes sent to phone: Verify your phone number is correct and ensure the number can receive texts or calls.Restart your phoneSwitch airplane mode on and then off to help your phone find the strongest, closest cell tower. MFA codes sent to email: Verify the email address is correct. Check your spam folder or any archive/junk folders. How to reconnect an external bank account If your account becomes disconnected or stops working properly, you may be able to reconnect it. Sign in to your Bluevine dashboard.Go to External Accounts.Select the menu, settings icon, or gear icon next to the affected account.Choose Reconnect, or remove the account and add it again.Re-enter your bank credentials and complete any security steps. If the bank connection was disconnected, you may also receive a notification by email or within your dashboard. A disconnected bank connection generally does not affect pending debits or credits already in progress, though you may need to reverify the account to restore full functionality. How to remove or delete a connected external bank account You can usually remove a linked bank account from either the web dashboard or mobile app. On desktop or web Sign in to your Bluevine dashboard.Go to External Accounts.Find the account you want to remove.Open the menu or settings icon for that account.Select Delete or Remove.Confirm the deletion. On mobile Sign in to the mobile app.Go to External Accounts.Select the bank account you want to remove.Tap Delete bank or Remove account.Confirm the deletion. Still need help? If you’ve already tried reconnecting your bank, verified your login credentials, waited through any pending period, and the connection is still not working, contact support for additional help. It’s useful to include the name of your bank and any error messages you’re seeing. If your bank is not supported, support may also be able to help you explore manual verification or document-upload options. You can also try again later or check out our General Troubleshooting Tips. Frequently asked questions What if my bank isn’t listed? Not all banks are compatible with Plaid1. If you cannot find your bank when searching, your institution may not currently be supported. If that happens, you may need to provide your bank information another way, such as manually uploading bank statements or contacting support to ask whether your institution can be added in the future. Can I still use my account if I don’t connect an external bank account? Usually, yes. In many cases, you can continue building account history through regular use even if you do not connect an external bank account. For Bluevine Line of Credit accounts, you are able to submit bank statements manually instead of using a live bank connection. However, manually uploading documents may take longer and require repeated submissions over time. 1 This link will take you to a third party website, owned and operated by an independent party over which Bluevine has no control ("3rd Party Website"). Any link you click to or from the 3rd Party Website will be at your own risk. Any use of the 3rd Party Website will be subject to and any information you provide will be governed by the terms of the 3rd Party Website, including those relating to confidentiality, data privacy, and security. Third party fees may apply. 2 Please refer to Bluevine’s Privacy Policy for more information on our collection, storage, use, and sharing of information. TitleConnect an external bank accountURL NameHow-do-I-connect-an-external-bank-account-to-my-Bluevine-accountPropertiesPublication StatusPublishedArticle Record TypeHelp Center
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