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How do I reconnect my bank and restore automatic loan payments?

Reconnect your bank, then enable automatic payments for each affected loan.

If you receive a notice that your bank account needs attention and automatic loan payments have been turned off, you’ll need to complete two steps: reconnect your bank and authorize automatic payments for each affected loan.

Reconnecting your bank alone does not turn automatic loan payments back on. Until you complete both steps, affected loans remain on manual payments.

Why does this happen?

Unchained uses Plaid to connect to your bank. Changes to your bank’s systems, sign-in requirements, or account-sharing permissions can interrupt that connection or change the account information available to Unchained. This can happen even if you haven’t changed your checking or savings account.


When we can no longer rely on the previously linked bank for automatic payments, we switch affected loans to manual payments. You’ll need to confirm the account you want to use and accept the ACH authorization before automatic payments can resume.

Reconnect your bank account

  1. Sign in to your Unchained account.
  2. Open Profile, then select Bank accounts.
  3. Find the account marked as needing attention and follow the prompts to reconnect it.
  4. Complete the steps provided by Plaid and your bank. You may need to sign in, verify your identity, or select the account you want to use.
  5. Complete any remaining verification or review steps shown before using the account for loan payments.

Restore automatic payments for each affected loan

  1. Open your loans list and look for loans marked as needing attention.
  2. Open an affected loan and select Change payment method.
  3. Select the bank account you want to use for interest payments and choose Auto ACH.
  4. Review the ACH authorization, confirm the selected account, and check the box to accept the terms.
  5. Submit the change and confirm that the loan’s payment method now shows automatic payments.
  6. Repeat these steps for every affected loan you want to return to automatic payments.

Each loan requires its own authorization, even when several loans use the same bank account. Restoring automatic payments for one loan does not restore them for your other loans.

What if I still can’t reconnect or enable automatic payments?

Contact us if the bank connection continues to fail, your account is unavailable for selection, or a loan still shows manual payments after you’ve submitted the ACH authorization.

For further support, call +1 844-486-2424 or email hello@unchained.com.