Setups to Resend Bank Verification requests if account disconnects

This document explains the setup required to re-establish a customer’s bank connection with Plaid. This is necessary when assets must be monitored or when account data needs to be refreshed on a frequent basis.

The ITEM_LOGIN_REQUIRED error typically occurs when the user’s bank connection is no longer valid and they must re-authenticate.

1. Why it happens

Banks periodically require users to log in again for security reasons. When this happens, Plaid (or your banking integration) can no longer access the user’s account data until the user re-authenticates.

Common causes:

The user changed their online banking username or password
The bank requires multi-factor authentication (MFA) again
The bank session expired due to time or inactivity
Additional security checks are required by the financial institution

2. What it means

The item (bank account connection) is no longer authorized.
The user must reconnect their account before you can:

Pull balances
Retrieve transactions
Fetch assets
Perform verification

3. How to resolve

Prompt the user to:

Re-authenticate / reconnect their bank

Click here to view the steps required to reauthenticate the bank account

3.1 Create a Quick Action

Create a Quick Action on the Bank Verification record to update the field Re-Send Bank Verification Status (checkbox).
Users will trigger this action when they need to resend a bank verification request to the customer.

3.2 Create a flow

3.2.1 Prerequisites

Create an Email Template

The email template should notify the end user that they must re-authenticate their bank account.
The template body should explain why re-authentication is required.
The embedded verification URL must include the following parameter at the end:
```
&isupdateMode=true
```

Create an Email Alert

Configure an Email Alert using the template above.

Setting	Value
From Address	Current User’s Email
Recipient	Email (email field on the record)

This flow is responsible for:
✅ Sending the email alert
✅ Resetting the Re-Send Bank Verification Status checkbox to False

Steps

Decision Element
- Check whether Re-Send Bank Verification Status = True
- Ensure the flow triggers only when the checkbox value has just changed.
Send Email
- If True, send the Email Alert created in the prerequisites above.
Update Record
- After sending the email, update the Bank Verification record to set:
  Re-Send Bank Verification Status = False