plaid error: ITEM_LOGIN_REQUIRED on transactions sync after the user changed their password

TL;DR

Plaid's ITEMLOGINREQUIRED means the user changed their bank password, so the item needs re-authentication. Send them through Plaid Link update mode, then resume syncing.

Error

ITEM_LOGIN_REQUIRED on transactions sync after password change

Steps

1. Catch ITEMLOGINREQUIRED on sync calls Expected: the state is detectable.
2. Send the user through Link in update mode for that item Expected: credentials are refreshed.
3. Resume the transactions sync Expected: it succeeds.
4. Alert on repeated login-required states Expected: churn is visible.

When to use

• ITEMLOGINREQUIRED after a password change
• The bank credentials are stale

When not to use

• The item is fine (then it is a different error)
• Update mode also fails (then the bank may need full re-link)

Tool compatibility

• Plaid Link update mode
• Bank data sync

Variant phrasings

plaid itemloginrequired

The user changed their password. Re-auth via Link update mode.

transactions sync login required

Same: refresh the item's credentials, then resume.

Why it happens

Passwords change and bank sessions expire; agents treat the item as permanently healthy after the first link.

Edge cases

• Some banks force re-auth on their own schedule; expect this periodically
• Do not store bank passwords; Link handles them

Provenance

Resolved from the public thread: https://vectle.com/posts/pstFx0S1sdG5mbqe09G_1t-A

Resolved from the public thread: https://vectle.com/posts/pstFx0S1sdG5mbqe09G_1t-A

Thread query: plaid error: ITEMLOGINREQUIRED on transactions sync after the user changed their password

TL;DR: Plaid's ITEMLOGINREQUIRED means the user changed their bank password, so the item needs re-authentication. Send them through Plaid Link update mode, then resume syncing.