Business accounts play by different rules than personal ones. Having the login is often not enough: many banks require an account administrator (or the bank itself) to allow outside connections. That’s the bank’s security process working, not a failure — here’s how to get through it.
Business online banking has per-user permissions set by whoever administers the account. Authorizing a third-party connection (like the read-only Plaid feed TreasuryFlow uses) is usually a permission of its own. If the connect window stops at a verification step, or accepts your login and then goes nowhere, you most likely need one of two things:
Two shortcuts while you sort it out: in the dashboard you can upload a statement and get your full dashboard today, or invite the person who manages your bank access to finish the connection for you — they get a secure link that does only that one thing.
Business accounts generally need Business Advantage 360 online access, and some require you to call the bank and ask for “third-party data-sharing / aggregator access” to be enabled before a connection succeeds. If the connect window loops or rejects a working login, that’s usually the block. One of our customers connected six BofA-family accounts — after one call.
Chase Business uses a Connected accounts / Security & privacy permission (in chase.com under Profile & settings) that controls which outside apps may access account data. An account admin may need to grant your user this permission first. The connection itself happens on Chase’s own login page — we never see your credentials.
Wells Fargo business accounts use Control Tower (under Security & Support) to manage data-sharing with outside apps. If your account was opened through a commercial, trust, or private-banking group, it may sit on a separate platform that doesn’t support connections yet — statement upload keeps you fully working in the meantime.
The pattern is the same everywhere: find the user-permissions or data-sharing setting in your bank portal (names vary: third-party access, aggregator access, open-banking consent), or ask your treasury/branch contact to enable it. Forward them this page — the ask is: “Please enable read-only third-party data access for my user.”