--- title: Bank Connection Re-Authentication description: Learn which banks require annual re-authentication when connected to Propio through Plaid, and how accounting firms can proactively manage consent expiration to avoid gaps in transaction sync. --- [Skip to content](https://help.joinpropio.com/en/re-authentication-frequency#main-content) - [English](https://help.joinpropio.com/en/re-authentication-frequency) - [Español - Estados Unidos](https://help.joinpropio.com/es-us/re-autenticación-de-la-conexión-bancaria) English Show submenu for translations [![teal-logo-2](https://help.joinpropio.com/hs-fs/hubfs/teal-logo-2.jpg?width=169&height=55&name=teal-logo-2.jpg)](https://help.joinpropio.com/?hsLang=en) Open main navigation Close main navigation - - [English](https://help.joinpropio.com/en/re-authentication-frequency) - [Español - Estados Unidos](https://help.joinpropio.com/es-us/re-autenticación-de-la-conexión-bancaria) English Show submenu for translations This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. 1. [Propio Knowledge Base](https://help.joinpropio.com/en?hsLang=en) 2. [Bank Integration](https://help.joinpropio.com/en/bank-integration?hsLang=en) # Bank Connection Re-Authentication Not all bank connections behave the same way once established. Some banks enforce a formal expiration on data-sharing consent, requiring clients to re-authenticate on a predictable schedule, while others remain connected indefinitely until something disrupts the credentials. Understanding which category each bank falls into helps your team proactively manage disconnections before they affect a client's workflow. #### **Two Types of Disconnections** Before diving into the bank-by-bank breakdown, it helps to understand that bank connections in Propio can break for two distinct reasons: **1. Credential-based disconnection:** The connection breaks because something changed on the client's end (e.g., a password update, a triggered MFA challenge, or a security alert from the bank). This can happen at any bank, at any time, and is not predictable. **2. OAuth consent expiration:** The bank formally enforces a time limit on how long a third-party app (such as Propio) can access account data. When the consent period ends, the client must actively re-authorize the connection, even if their credentials haven't changed. This is a bank-level policy, not a Propio or Plaid limitation. The table below focuses on the second category (formal, bank-enforced consent expiration) since this is the one that can be anticipated and planned for. #### **Re-Authentication Frequency by Bank** | Bank | Consent Expiry | Frequency | Notes | | --- | --- | --- | --- | | American Express | ✅ Formal expiry | Every 12 months | Listed in Plaid's official OAuth consent refresh list | | Bank of America | ✅ Formal expiry | Every 12 months | Applies to accounts migrated to BofA's new API (rollout: March–October 2026). | | Capital One | ✅ Formal expiry | Every 12 months | Listed in Plaid's official OAuth consent refresh list | | Citibank | ✅ Formal expiry | Every 12 months | Listed in Plaid's official OAuth consent refresh list | | Chase | ⚠️ No formal expiry | Indefinite | Connection persists until credentials change or a duplicate Item conflict occurs. | | Wells Fargo | ⚠️ No formal expiry | Indefinite | No formal consent clock. Disconnections are more commonly caused by WF security challenges and MFA triggers, occasional and unpredictable. | | U.S. Bank | ⚠️ No formal expiry | Indefinite | OAuth-enabled. No consent expiry documented. | | Regions Bank | ⚠️ No formal expiry | Indefinite | Not on Plaid's consent expiry list. | | Banco Popular | ❓ No public information | No public information | Not mentioned in Plaid's OAuth documentation. Likely a non-OAuth connection. | | Relay | ⚠️ No formal expiry | Indefinite | Plaid-connected. No documented consent expiry. | #### **Banks That Require Annual Re-Authentication** For banks with a formal 12-month consent cycle (i.e., American Express, Bank of America, Capital One, and Citibank), the client will need to re-authorize their connection once per year. This is triggered automatically when the consent period ends and does not require a password change or any issue with the account. When re-authentication is needed, the client will be prompted to go through Plaid's re-linking flow, which typically takes a few minutes. For these banks, it's good practice to note the connection date in the client's file and anticipate the renewal roughly 12 months later. #### **What Happens When a Connection Expires** When a bank connection expires or is disrupted, Propio will surface an alert prompting the client to re-authenticate. The re-linking process goes through Plaid's standard Link flow and typically takes a few minutes. No transaction data is lost, the connection simply needs to be re-authorized to resume syncing. For banks on the formal 12-month cycle, the expiration is clean and predictable. For banks like Wells Fargo where disconnections are credential-triggered, the process is the same but the timing is less predictable. #### **Important Considerations** For clients at banks with a formal annual consent cycle, building a re-authentication check into your annual client review cadence can prevent unexpected gaps in transaction sync. A disconnected account does not lose historical data, but it will stop pulling new transactions until re-authorized, which can create reconciliation gaps if not caught quickly. Banco Popular's re-authentication behavior is currently undocumented in Plaid's official resources. If you manage clients with Banco Popular accounts and notice a pattern in connection behavior, that information would be worth tracking to establish a practical baseline. #### **Sources** - Plaid Documentation — Institution-specific OAuth behaviors: [https://plaid.com/docs/link/oauth/#institution-specific-behaviors](https://plaid.com/docs/link/oauth/#institution-specific-behaviors) - Plaid Documentation — Refreshing item consent: [https://plaid.com/docs/link/oauth/#refreshing-item-consent](https://plaid.com/docs/link/oauth/#refreshing-item-consent) #### **Related Articles** - [Transaction History & Account Differences](https://help.joinpropio.com/en/transaction-history-account-differences?hsLang=en) - [Bank Statements, Check Images & Client Setup](https://help.joinpropio.com/en/bank-statements-check-images-client-setup?hsLang=en) - [Getting started](https://help.joinpropio.com/en/getting-started?hsLang=en) - [Transactions](https://help.joinpropio.com/en/transactions?hsLang=en#main-content) - [Manual Entry](https://help.joinpropio.com/en/transactions?hsLang=en#manual-entry) - [Import](https://help.joinpropio.com/en/transactions?hsLang=en#import) - [Categorization](https://help.joinpropio.com/en/transactions?hsLang=en#categorization) - [Journal Entries](https://help.joinpropio.com/en/transactions?hsLang=en#journal-entries) - [Tags](https://help.joinpropio.com/en/transactions?hsLang=en#tags) - [Advanced](https://help.joinpropio.com/en/transactions?hsLang=en#advanced) - [Banking & Reconciliation](https://help.joinpropio.com/en/banking-reconciliation?hsLang=en) - [Reports](https://help.joinpropio.com/en/reports?hsLang=en#main-content) - [Profit and Loss](https://help.joinpropio.com/en/reports?hsLang=en#profit-and-loss) - [Balance Sheet](https://help.joinpropio.com/en/reports?hsLang=en#balance-sheet) - [Tax Reports](https://help.joinpropio.com/en/reports?hsLang=en#tax-reports) - [AI Reports](https://help.joinpropio.com/en/reports?hsLang=en#ai-reports) - [Trial Balance](https://help.joinpropio.com/en/reports?hsLang=en#trial-balance) - [Advanced](https://help.joinpropio.com/en/reports?hsLang=en#advanced) - [Migration & Chart of Accounts](https://help.joinpropio.com/en/migration-chart-of-accounts?hsLang=en) - [AI Categorization](https://help.joinpropio.com/en/ai-categorization?hsLang=en) - [Contacts](https://help.joinpropio.com/en/contacts?hsLang=en) - [AI Assistant](https://help.joinpropio.com/en/ai-assistant?hsLang=en) - [Organization Management](https://help.joinpropio.com/en/organization-management?hsLang=en) - [Communications](https://help.joinpropio.com/en/communications?hsLang=en) - [Bank Integration](https://help.joinpropio.com/en/bank-integration?hsLang=en) - [Industry Guides](https://help.joinpropio.com/en/industry-guides?hsLang=en#main-content) - [Real Estate](https://help.joinpropio.com/en/industry-guides?hsLang=en#real-estate) [![Propio-logo-teal-2](https://help.joinpropio.com/hs-fs/hubfs/Propio-logo-teal-2.png?width=112&height=35&name=Propio-logo-teal-2.png "Propio-logo-teal-2")](https://help.joinpropio.com/?hsLang=en)