Banks that update only when you sign in

Some banks ask for a one-time code every time anyone signs in, RBC among them. For these banks, Mozaic can fetch new data only while you are signed in through the bank window. Between sign-ins, the account keeps the balances and transactions from your last visit. Nothing is broken.

How to recognize these accounts

• The status line reads Fetched [time]: when the data was last fetched from your bank. It shows Sign in to refresh when Mozaic has no fetch date yet.
• The account panel explains This bank needs you for every update: your bank asks for a verification code at each login, so the account updates only when you sign in again through Mozaic.
• Sync All and the daily automatic sync skip these accounts, because they cannot reach new data without you.
• These accounts never get the Needs sync badge and are not counted as needing attention.

Refresh the data

1. Open the account panel and click Refresh from bank, or use a Sign in prompt on the Accounts page.
2. The bank window opens. Sign in and complete every step your bank asks for, including the codes.
3. When you finish, Mozaic fetches your latest data and the Fetched time moves to now.

The "Sign in" prompt

Once the data is more than a day old, the Accounts page offers a sign-in:

• In the default view, grouped by institution, the bank's header shows a Sign in button, one per connection.
• Otherwise, a banner reads Sign in to update your bank data, with [bank name] asks for a code at every login, so it only updates when you sign in. and a Sign in button.

You don't have to act on it. To dismiss the banner, click the × at its right. It stays closed until the data from your next sign-in is more than a day old, so you are asked once per refresh, not every day. Dismissing is remembered on the browser you use.

Before you sign in again

Each refresh is a full sign-in with your bank's own security steps. If your bank ever reports your online banking as locked, the account shows Locked by your bank; see the related article before trying again.

For more about connecting RBC, see our RBC page.