UMB Bank - Card Center Direct: User Access Revoked

Likely causes

• User revoked third-party app permissions at the institution.
• OAuth consent was withdrawn or expired.
• Security policies forced disconnect after suspicious activity.

Resolution steps

1. 1

   Prompt the user to reconnect the source from account settings.

2. 2

   Validate refreshed permissions include required scopes.

3. 3

   Run a backfill sync to close data gaps after reconnect.

Prevention controls

• Send proactive alerts when access revocation webhooks arrive.
• Include provider-specific reconnect instructions in-product.
• Track reconnect completion rate by institution and optimize flows.