Your financial transactions and balances make it into your spreadsheet in two steps:

The Balance and Transaction data are not connected and pull in separate from each other. That means your Transactions won't always total to your Balance amount, they are just pulled into your sheet as the data appears on the institution website at the time of refresh.

The refresh step is dependent on our 3rd party data aggregation partner, Yodlee. We partner with Yodlee because they are the trusted industry leader in bank data aggregation.

It's likely that Tiller, with the help of Yodlee, can automatically refresh many of your institutions each day.

Once Yodlee has refreshed your account and we have pulled the data from their systems it is available in our database for filling into your sheet.

However, not all accounts are eligible for automatic refreshes and may require your intervention in order for us to pull the data. Read more below. Yodlee also has a refresh policy indicating the frequency of automatic refreshes based on activity. Automatic refreshes are stopped for users inactive for over 90 days.

The fill step is dependent on you. You must click the "Fill" button in order for the data to make it into your spreadsheet. If you have multiple Tiller-powered spreadsheets, they will each need to be filled with new data.

Tiller can only pull in cleared transaction data.

It can take 2-3 days for some transactions to clear at your institution before they are available. Credit card transactions usually take longer to clear.

Some accounts refresh less frequently

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.

With many institutions, Tiller can refresh your bank, card, and investment account data about once a day without your intervention and the refreshes are automatic. 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 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://my.tillerhq.com/ 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.

While 95% of the institutions we support offer automatic refreshes, the eligibility is dependent on your individual account.

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.

A data aggregator, or data provider, is a third party service Tiller connects with to offer transaction and balance bank feeds. Our primary data aggregator is Yodlee. In 2024 and beyond, Tiller is working to offer additional aggregators to bring you the most reliable data feeds. Join our Multi-Aggregator Beta Testing Waitlist if you're interested in testing out your bank connections with other aggregators.

We're working to build integrations with additional aggregators to offer better coverage when an institution isn't working well with our primary aggregator, Yodlee.

We don't have an ETA on when that might be available broadly, but we do understand how frustrating these disconnections can be.

Because we don't build the direct integration to any institution, and rely on a 3rd party to bring the data in, we're totally at their mercy on the timing for the fix until we can offer a multi-aggregator solution, which is quite a ways out. Even then sometimes issues span multiple aggregators.

This is primarily because many aggregators still use screen scraping to pull the data from the institution and therefore any website layout, infrastructure, or security login requirement change can break the connection for any aggregator that uses screen scraping.

As more and more institutions move to API based connections, like "open banking," the connections will become more reliable and stable.

Until the United States enforces some type of regulation to require financial institutions to use an open banking connection, the timeline for all institutions moving in that direction is likely decades, though we've seen that larger institutions have the resources to make this transition faster.

By default, Auto Fill is enabled for all new users on Google Sheets to automatically get new/available transaction and balance data into your spreadsheet once a day. You can optionally disable the Auto Fill feature by modifying your settings.

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:

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 you to fill into your spreadsheets. 

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.

We don't guarantee automatic refreshes at the same time every day nor do we guarantee that all institutions will automatically refresh consistently in perpetuity. Some institutions can refresh automatically and others can't. The schedule for which those auto refreshes happen can change as well.

An institution that used to auto refresh may no longer be able to if our data provider's system determines that auto refreshes should be disabled based on overall health of the institution or other factors that are unknown to us. We have no control over this whatsoever. It also can be up to 36 hours between refreshes.

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. 

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.

Please review our troubleshooting guide for missing transactions to walk through a few steps before reaching out to our team.

Sometimes Yodlee has a global outage with a specific institution (check the Institution Alert Dashboard for recent outages and resolution ETAs). Technical errors are not uncommon, but typically resolve on their own in a few days.

If you get an error when trying to refresh, check this guide for next steps.

Our data provider requires that customers manually refresh their accounts at least once every 90 days in order to be considered "active" - if you don't your account is flagged as inactive and automatic refreshes will stop. This is a security feature.

When you close an account our data provider cannot pull in the final $0 balance for the closed account so you would need to manually add a balance history entry for the account to reflect the $0 balance.

You can also hide the account in your spreadsheet using the Hide option on the Accounts sheet.

There isn't a way to change the balance to show as a $0 balance or exclude the account in the daily email at this time.

Yodlee considers opening the "refresh" or "edit credentials" tool from the Tiller Console (https://my.tillerhq.com) as activity. Only visiting the Console will not count as "activity" to Yodlee, you must manually refresh at least one institution.