You open Rocket Money to check your spending, and something feels off. Your bank account shows a balance from three days ago. Recent transactions are nowhere to be found. That little sync icon keeps spinning, or worse, it just sits there doing nothing.
This can throw off your whole budget tracking. If you rely on Rocket Money to keep your finances in check, a syncing problem is a real headache. This guide covers what causes these issues and how you can fix them yourself, often in just a few minutes.
What Does “Not Syncing” Actually Mean?
Rocket Money connects to your bank, credit card company, and other financial accounts through a secure link. It pulls in your transactions, balances, and account details so you can see everything in one place. When syncing works, your data updates automatically, usually once or twice a day.
A sync failure means that connection is broken or stuck. Your app still shows old information. New purchases, deposits, or payments do not appear. Sometimes one account stops syncing while others work fine. Other times, every linked account goes dark at once.
Left unfixed, this creates bigger problems. You might think you have more money than you do. You could miss a subscription charge or overdraft fee. Budget categories become useless when they are based on outdated numbers. For people trying to track every dollar, even a day or two of missing data can mess things up.
The issue usually falls into a few categories:
- Connection problems between the app and your bank
- Login issues with your financial institution
- App glitches that need a refresh or update
- Server outages on Rocket Money’s end or your bank’s end
Understanding where the breakdown happens helps you fix it faster.
Rocket Money Not Syncing: Likely Causes
Sync errors can feel random, but there is almost always a specific reason behind them. Here are the most common culprits you should check first.
1. Your Bank Changed Its Login Process
Banks frequently update their security systems. They add new verification steps, change password requirements, or roll out fresh login screens. When this happens, the connection between Rocket Money and your bank can break.
You might not even notice the change when you log into your bank directly. But the link that Rocket Money uses to pull your data no longer matches what your bank expects. The old credentials stop working behind the scenes.
This is one of the most common causes of sudden sync failures, especially if your account was working fine yesterday and stopped today without any changes on your end.
2. Your Login Credentials Are Outdated
Maybe you changed your bank password last week and forgot to update it in Rocket Money. Or your bank forced a password reset for security reasons. Either way, the app cannot get into your account with the wrong information.
This sounds obvious, but it catches a lot of people. You update your password on your bank’s website, then wonder a few days later why Rocket Money shows old data. The two systems do not talk to each other about password changes.
3. Two Factor Authentication Is Blocking Access
Many banks now require two factor authentication, or 2FA. This means you need to enter a code sent to your phone or email every time you log in. Great for security. Tricky for apps that sync automatically.
Rocket Money cannot receive that text message or email code on your behalf. So the sync attempt fails because it cannot complete the login process. Some banks let you set up app specific passwords or trusted device settings, but not all do.
The result is a sync that gets stuck waiting for a verification step that never comes.
4. Rocket Money’s Servers Are Down
Sometimes the problem is not on your end at all. Rocket Money relies on servers that process millions of sync requests. When those servers have issues, your data stops updating.
Server problems can last a few minutes or a few hours. They usually affect many users at once, so checking social media or status pages can tell you if others are experiencing the same thing.
5. Your Bank Is Experiencing Outages
Banks have their own technical problems too. Scheduled maintenance, unexpected outages, or system upgrades can temporarily block third party apps from accessing account data.
During these times, even your bank’s own mobile app might act strangely. The sync issue is outside your control and usually resolves once the bank’s systems come back online.
Rocket Money Not Syncing: DIY Fixes
Most syncing problems have straightforward solutions. Before you contact support, try these fixes in order. Each one addresses a different possible cause.
1. Refresh the Connection Manually
Start with the simplest step. Open Rocket Money and find the account that is not syncing. Look for a refresh button or pull down on the screen to trigger a manual sync. Sometimes the automatic sync just needs a little push.
If one account is stuck, refreshing it directly can clear a temporary glitch. Give it a minute or two to process. You should see a timestamp update if the refresh worked.
This quick fix solves the problem more often than you might expect.
2. Re Enter Your Bank Login Credentials
If refreshing does not help, your next step is updating your login information. Go to your account settings in Rocket Money and find the linked account causing trouble. Select the option to update or edit your credentials.
Enter your current username and password exactly as you would on your bank’s website. Pay attention to:
- Capital letters and lowercase letters
- Special characters in your password
- Any spaces you might have accidentally added
After saving the new credentials, wait for the sync to attempt again. This often fixes accounts that broke after a password change or bank security update.
3. Complete Any Two Factor Authentication Prompts
Some sync issues require you to verify your identity. Check for any pending notifications or prompts in the Rocket Money app. Your bank might be asking for a security code or confirmation.
Open the app and look carefully at the account showing problems. There may be a banner or message asking you to complete a verification step. Tap it and follow the instructions.
Once you enter the required code or answer security questions, the sync should resume. You may need to repeat this process if your bank requires frequent verification.
4. Disconnect and Reconnect the Account
When other fixes fail, removing the account and adding it fresh can clear deeper issues. This essentially rebuilds the connection from scratch.
Go to your account settings and find the option to unlink or remove the problem account. Confirm the removal. Then add the account again as if it were new. You will need to:
- Search for your bank or financial institution
- Enter your login credentials
- Complete any verification steps your bank requires
Your transaction history should repopulate once the new connection syncs successfully. This process takes a few minutes but often resolves stubborn problems.
5. Update the Rocket Money App
An outdated app can cause syncing failures. Developers regularly release updates that fix bugs and improve connections with banks. If you have not updated Rocket Money in a while, that could be your issue.
Open your device’s app store and check for available updates. Download and install any pending Rocket Money updates.
After updating, open the app and try syncing again. New versions often include fixes for problems that affected the older release.
6. Contact Rocket Money Support
If you have tried everything above and your account still will not sync, it is time to reach out for help. Some issues require intervention from the Rocket Money team or involve problems with specific banks that are beyond what you can fix yourself.
Contact their support through the app or website. Provide details about which account is affected, what error messages you see, and what troubleshooting steps you already tried. The support team can check for known issues with your bank or investigate your specific account.
Wrapping Up
Syncing problems with Rocket Money are frustrating, but they usually have simple causes and fixes. A quick credential update or manual refresh solves most issues. For trickier problems, reconnecting your account or updating the app does the trick.
When your finances depend on accurate, up to date information, getting that sync working again matters. Try these fixes one by one, and you should have your accounts back on track soon.