Why does the connection drop?
Vergo uses Plaid to securely connect to your bank and pull in transaction data. Connections can drop for several reasons:
Bank session expired — many banks require periodic re-authentication, especially after ~90 days or a password change.
You changed your online banking password — this immediately invalidates the connection.
Your bank updated its security requirements.
An MFA step couldn't be completed automatically.
The connection was manually revoked in the bank's "connected apps" settings.
How to tell the connection dropped
On the Cards page, the Status column shows each connection as Connected (green) or Disconnected (red). A dropped connection shows Disconnected with a Reconnect action, and it stops pulling in new transactions until you reconnect.
How to re-link
Go to the Cards page and find the account showing Disconnected.
Click Reconnect — this opens the "Connect Your Account" window listing your linked accounts.
Click Reconnect on the account to launch the Plaid flow inside Vergo.
Select your bank and log in with your current online banking credentials.
Complete any MFA/verification your bank requires.
You'll see a "Success — Account connected" confirmation, and Vergo resumes syncing.
The whole flow runs inside Vergo. Plaid connects Visa and Mastercard accounts; Amex uses its own connection flow. Reconnecting is typically handled by an admin.
What happens to transactions after reconnecting?
Plaid backfills from your last successful sync, so transactions that posted during the gap come in once you're reconnected — you may see a batch appear at once.
⚠️ Watch for duplicates: if the same charges were entered manually during the outage, the backfill can create duplicates. Vergo flags likely duplicates — review your list and clear the extras before approving. See Duplicate transactions.
If the reconnect flow isn't working
Try a different browser or clear your cache before relaunching.
Confirm your online banking credentials by logging into your bank directly first.
Check that your bank account doesn't have a security lock or login alert active.
If your bank isn't appearing in the Plaid search, contact support to confirm it's supported.
If it still won't re-link, contact support with your bank name and any error message — we can investigate on the Plaid side.