Your bank transactions and balances make it into your sheet in two steps: A refresh and an update.
Tiller will automatically refresh most of your account balances and transactions each day. However, based on your activity, bank account security settings, and the refresh health of the institution this may happen more or less frequently.
Tiller can only pull in cleared transaction data. It can take 2-3 days for some transactions to clear at your bank before they are available for refresh.
Even once the transaction clears it can take a day before our data provider, Yodlee, attempts to automatically refresh the data, if automatic refreshes are available for your accounts. Read more below on automatic vs manual refreshes.
Tiller may refresh your loan, mortgages, and insurance accounts (and other low frequency accounts) less frequently. Some loans are known to refresh only twice a month.
Once Yodlee has refreshed the data it is available in our system for updating your sheet. Updates happen automatically for Feed Bot fed spreadsheets. Tiller Money Feeds add-on fed spreadsheets require that you to click "Fill sheets."
With many institutions, Tiller can refresh your bank, card, and investment account data about once a day without your intervention (the refreshes are automatic) and pull that data into your spreadsheets. The logins for these institutions typically don’t have an added layer of security, use open banking, or our data provider was able to successfully learn the answers to your security questions.
In some cases you may still receive a two factor authentication code when Tiller Money is automatically refreshing your account. You can check the Account Summary and hover over the Last Refresh time to see if the date/time corresponds to the text message or email you received.
Accounts where you have or are expected to have multi-factor authentication (MFA) turned on will likely require your regular intervention on the Tiller Console https://sheets.tillerhq.com/auth/login) to refresh the data.
Some accounts require a manual refresh even if you do not have multi-factor authentication (MFA) enabled because our data provider has disabled the automatic refresh at the request or requirement of the bank.
The auto refresh status can change over time meaning that it might be disabled temporarily if the banking website is experiencing a lot of traffic or technical difficulties and then re-enabled in the future when the site health is more stable.
How can I tell whether my accounts will automatically refresh?
Visit the Tiller Console and scroll down to the Account Summary.
Review the Last Refresh time and Refresh buttons for each institutions.
Accounts that have a white refresh button and a recent last refresh time are likely ones that refresh automatically.
Any accounts that have a blue refresh button and a last refresh timestamp of greater than 36 hours ago most likely require your intervention (possibly every day or every few days) to re-authorize and pull data. This is likely because:
You have multi-factor (MFA) or two-factor (2FA) authentication turned on
Your bank expects you to have 2FA turned on, even if you don’t
The auto refresh has been disabled for this site
Once you re-authenticate your accounts from the Tiller Console the account should refresh (you’ll see the gathering your data screen) and upon successful refresh on that page your data is then available for us to pull into your spreadsheets.
How can I tell whether the auto refresh has been disabled for my bank?
If your account doesn't refresh automatically within 36 hours of the last successful refresh and you don't have two factor authentication (2FA) turned on the auto refresh is likely disabled.
What is multi-factor authentication (MFA)?
Multi-factor authentication (MFA) is an added layer of security for accessing your accounts. Often it's simply security questions like “what is your mother’s maiden name?” It could also be two-factor authentication (2FA), which requires a security code sent from your bank to your email or your phone. Multi-factor authentication is great and it keeps your accounts safe.
Why do I have to re-authenticate so frequently?
The access token or session our data provider makes with the bank may last a day or it may only last a few minutes, but expect the account to disconnect. The access window has expired for that specific code or session. (e.g. when you’re logged in directly to the bank’s website after a minute or so of inactivity the bank site will log you out automatically). The exact timing of the disconnect varies by institution.
You may receive an email when the account disconnects because the disconnect results in an error on our side. You can opt in or out of the automatic error alert emails on the Tiller Console.
What if I am missing transactions?
Please review our troubleshooting guide for missing transactions to walk through a few steps before reaching out to our team.
How can learn more about the refresh health of my institution?
Sometimes Yodlee has a global outage with a specific institution (check the Institution Outages Dashboard for recent outages and resolution ETAs). Technical errors are not uncommon, but typically resolve on their own in a few days.
What if it times out while it’s gathering data?
If you get a "Request Timeout" error after several moments of it "gathering data" try these workaround steps
Log in to the Console at https://sheets.tillerhq.com/auth/login
Click "refresh" (or "Connection > Edit Credentials if you see "error" instead of refresh).
After entering the 2FA code or MFA answer, and when it gets to the "Gathering data" step, click outside this pop up close it and to return to the Console.
After a moment you should see the "refresh/error" button change to "refreshing..." and then eventually "recently refreshed."