---
title: "Bank Accounts with Multi-Factor Authentication (MFA)"
slug: "direct-bank-connections-bank-accounts-with-multi-factor-authentication"
description: "Direct bank connections with MFA: identify if MFA is enabled, check connection status, and re-authenticate as needed."
updated: 2025-10-18T02:40:05Z
published: 2025-10-23T11:00:22Z
canonical: "docs.restaurant365.com/direct-bank-connections-bank-accounts-with-multi-factor-authentication"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.restaurant365.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Accounts with Multi-Factor Authentication (MFA)

> This article references the [New Bank Activity Experience](/doc/docs/bank-activity-overview) which is being enabled for all customers through January 2026.
> 
> Learn more about the [Bank Activity update](/doc/docs/bank-activity-update-2025).
> 
> See [Legacy Bank Activity documentation](/doc/docs/legacy-bank-activity-1)

[Direct bank connections](/doc/docs/direct-bank-connections-overview) support accounts with multi-factor authentication (MFA). An MFA account may require [re-authentication](/doc/docs/direct-bank-connections-re-authenticating-connected-bank-accounts) each time activity is retrieved.

---

## Other Names for MFA

Multi-factor authentication (MFA) may also be referred to by other names, including:

- OTP (one-time password)
- 2-step
- 2-factor
- Second authentication
- Token authentication (not currently supported)

---

## Determine if MFA is Enabled

### Login to the Financial Institution

To determine if a financial institution uses MFA, attempt to login directly to the institution’s online portal. After credentials are entered, an additional security step —such as a one time code or security questions — will indicate that MFA is enabled.

### Attempt to Retrieve Activity

If the **Retrieve activity** option on the Bank Activity page does not return any results, reauthentication may be required. When MFA is enabled, automatic retrieval pauses until the connection is re-authenticated.

![](https://cdn.us.document360.io/5c9d1111-0c69-4e96-8910-d7f2750fdc9d/Images/Documentation/image-TI70PS7E.png)

---

## Check the Connection Status for an Individual Bank Account

The status indicator shows whether the bank connection is active.

- **Green**: The connection is active.
- **Orange**: The connection is not active.

![](https://cdn.us.document360.io/5c9d1111-0c69-4e96-8910-d7f2750fdc9d/Images/Documentation/image-3O97UOGV.png)

---

## Check Connection Status of all Connected Bank Accounts

The connection status can be reviewed from the Manage bank connections prompt in Bank Activity.

Bank connections that need to be reconnected, are listed in an alert message and indicated in red.

Click **Reconnect** to enter credentials and [reauthenticate](/doc/docs/direct-bank-connections-re-authenticating-connected-bank-accounts).

![](https://cdn.us.document360.io/5c9d1111-0c69-4e96-8910-d7f2750fdc9d/Images/Documentation/image-VTADATYS.png)

Organizations with bank connections through finicity can use the **Check Connection Status** option to view a full list of bank accounts and their connection statuses.