Start account-aggregation troubleshooting by checking the institution card in the client's Accounts area. Note the institution, status, last sync, and whether the problem affects connection, account review, balances, holdings, or transactions.

Search the institution's common name, parent name, or website. If it is not supported by MoneyKit, enter the account manually. Altruist holdings use the separate Altruist import rather than account aggregation.

Ask the client to verify that their institution login works directly. Then retry with the current password and complete multifactor authentication promptly. Pop-up blocking, institution outages, or third-party access settings can also interrupt the secure window.

Do not ask the client to send credentials to the advisor or Kerdora support.

Pending Review means the institution connected but the discovered accounts have not been confirmed.

If a new account is later detected at that institution, repeat the review for the new record.

Stale means the data may be out of date. Use Refresh, wait for the response, and check the sync timestamp. If refresh fails or the link becomes Error, move to client reconnection.

An errored link requires client action when bank reauthentication is needed. The advisor's Reconnect control is disabled. Ask the client to log in, open Profile Accounts, find the institution, and choose Reconnect.

If reconnection fails, confirm the institution itself is available and the client is using current credentials. Retry after an institution outage rather than repeatedly creating duplicate links.

Open Review Accounts and confirm the account was not set to Skip. A newly opened account may appear later as needing review. Some institutions do not expose every account through their data feed; use a manual record when needed.

Confirm that a discovered account was linked to the correct existing Kerdora record. Review account type, mask, owner, and balance. If the mapping cannot be corrected safely in the current flow, unlink and review the account again rather than maintaining two conflicting records.

Linked investment holdings replace the manual holdings on that account. This is expected. Unlink the account if it should return to manual holdings, then rebuild the manual positions as needed.

Check the last sync and refresh the link. Institution feeds can update products on different schedules, and a current balance does not guarantee current transactions or holdings. Confirm the account is included and that its source supports the missing data.

Include the household, institution, status, last-sync time, affected account mask, the step that failed, and the exact visible error. Never include passwords, security codes, or full account numbers.