TD Bank: Institution Reauthentication Required

Likely causes

• Institution security challenge expired.
• Credentials were changed at the institution.
• Multi-factor policy now requires renewed consent.

Resolution steps

1. 1

   Prompt a reconnect flow and complete the institution challenge.

2. 2

   Verify account scopes were granted for transaction access.

3. 3

   Trigger a fresh sync and confirm status changes from pending to synced.

Prevention controls

• Surface reauth warnings before connection expiry windows.
• Alert users when webhook consent-expiration events are received.
• Monitor repeat reauth loops and escalate to support quickly.