Why is an Item's Balance out of date?

There are a few reasons that you may see out of date balance data:

• The Item was created with the Auth product only - Items created only with the Auth product enabled aren't updated after the Item is created. For these cases, the balance does not continually update but is only updated when the Item is created or when the user re-authenticates with Plaid Link Update mode. If you need to have up to date Balance data, you should ensure that items are initialized with the transactions product when calling /link/token/create in your application.
• The Item is not updating because the institution requires user action - In some cases, Items will not have the latest data if Plaid is not able to get fresh data from the financial institution. This can sometimes occur if the institution requires action from the user, such as accepting new terms & conditions. In these cases, the user should log in to the financial institution portal and complete any required actions.
• The Item is not updating because the institution is requesting authentication - Sometimes, banks may request additional multi-factor authentication (MFA) in order to provide data to our integration.  In these cases, you will typically see an error code related to MFA. To resolve this, the user should use Link update mode to update the connection and provide any missing information.
• There is a problem with the integration - If none of the above scenarios apply, there may be a problem with the integration causing connection failures. You can use the institution status tool in the Plaid dashboard to check the health and view known issues for an integration, or the item debugger to investigate using the item_id.