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.
Tiller may refresh your loan, mortgages, and insurance accounts (and other low frequency accounts) every few days or weeks.
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, or our data provider was able to successfully learn the answers to your security questions.
Accounts where you have or are expected to have multi-factor authentication turned on will likely require your regular intervention on the Tiller Console to refresh the data.
How can I tell whether my accounts will automatically refresh?
Visit the Tiller Console and open the Account Summary to see which accounts successfully refresh without your intervention.
A “refresh failed” message at the top of the Account Summary does not indicate that all accounts failed so it’s best to open your sheet to see what data Tiller was able to pull from the data provider.
Any accounts that have a “refresh” or “edit” link right next to them under Account Summary require your intervention (possibly every day or every few days) to re-authorize and pull data. This is likely because you have multi-factor authentication turned on or your bank expects you to have it turned on, even if you don’t.
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.
What is multi-factor authentication (MFA)?
Multi-factor authentication (MFA) is an added layer of security for accessing your accounts. Often it’s simple 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.
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 or I get stuck in an endless MFA loop?
Some customers are reporting that they receive timeout errors on the “Gathering data” step or they get stuck in an endless loop of MFA or 2FA questions and cannot successfully refresh.
We are aware of this experience with the following institutions and are tracking the issue closely with our data provider to get it resolved as quickly as possible.
Marcus by Goldman Sachs
Please reach out to firstname.lastname@example.org if you’re experiencing this issue.