What your tier can connect
| Plumb | Checking and savings accounts — as many as you have. |
| Plumb+ | Adds credit cards, student loans, mortgage, auto and personal loans. |
| Plumb Premier | Adds brokerage, 401(k), IRA, 529, HSA, and crypto accounts. |
Upgrading opens up the new account types immediately — connect them the same day.
How linking works
You pick your institution, sign in on its page (we never see the password), and choose which accounts to share. The bank issues a limited, read-only token and data starts flowing — recent history first, the deeper past within a day or so.
When a connection breaks
- Most failures are temporary — the bank's side, not yours. Wait a few minutes and retry.
- Some banks expire consent periodically and ask you to re-approve. Plumb shows a quiet "needs reconnecting" state in Settings → Connected accounts; one tap re-runs the bank sign-in.
- Changed your bank password or enabled new 2FA? That usually requires a reconnect too.
If your institution isn't supported
Our aggregator covers most US banks, issuers, and brokerages, but not all. Tell us which one is missing — coverage requests go straight to our provider, and we'll let you know if it lands.
Accounts you'd rather keep out
That's fine — connect only what you want seen. Just know the Coach plans around what it can see: an emergency fund at an unconnected bank reads as no emergency fund.