Open the prompt on your dashboard or go to Settings, then click through to reconnect and sign in to your bank again. Nothing is lost — history, splits and balances stay exactly as they were.

Bank connections expire routinely. A disconnection is not a sign anything is wrong.

Banks end the permission on their own schedule, and always after a password change. Some institutions do it far more often than others.

While a connection is down, Melon cannot read the account. Charges cannot be taken and deposits cannot be seen, so any split relying on that account moves to Pending.

Picking a different account at this step creates a new connection rather than repairing the old one — which is a common cause of "it still says disconnected."

Reconnecting works on mobile. If the bank's window does not open, allow pop-ups for the Melon dashboard and try again.

Chase sometimes needs the reconnection started from the bank's side. If Melon's window will not complete, sign in to Chase directly, check for a pending authorisation request, approve it, then retry.

Navy Federal drops noticeably more often than other institutions. See Does Melon work with Navy Federal Credit Union?.

Charges that could not be taken while disconnected are not lost — the balance stays owed and is included in the next charge. Deposits that arrived while disconnected may not be detected retroactively, which matters on bank-deposit cashout splits.