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.”