Overview

If your bank account was previously linked using Plaid and has suddenly deactivated or returned a "No Account" error, it may be due to something called a Tokenized Account Number (TAN).

This article explains what TANs are, why they sometimes stop working, and how to add a new bank account if needed.

What Is a TAN?

When you link your bank account using Plaid, some financial institutions don’t send your actual account number. Instead, they use a Tokenized Account Number (TAN)—a secure way to give access for payments without exposing your real account number.

This token is created specifically for your loan account and is used for ACH (bank-to-bank) transactions.

Why Your TAN Might Stop Working

There are a few reasons why your Plaid-linked bank account might deactivate:

• You (or your bank) revoked the TAN in your banking app or security settings.
• The TAN has a built-in expiration and is no longer valid.
• Your bank updated security policies that impacted third-party access.

💡 Some financial institutions now auto-expire TANs on an annual basis, which may require borrowers to re-link their account once per year.

Once a TAN is revoked or expires, any scheduled payments using that account will return a “No Account” error and the account may be automatically deactivated.

How to Fix It

To continue making payments, you'll need to either refresh your Plaid-linked account permissions or add and verify a new bank account.

Both options will follow the same steps: How to link a bank account securely for loan payments.