We understand how frustrating it can be to see an "invalid credentials" error when trying to connect your bank account. The good news is that most users resolve this quickly with a few simple steps.
Rock Paper Coin uses Stripe to connect your bank account. Stripe connects with almost 97% of all banks. An error is typically triggered by a mismatch between your bank’s login settings and what Stripe is expecting.
Let’s walk through how to fix it.
Quick Fix Checklist
Try these steps first—most issues are resolved by step 2 or 3:
Ensure that you are linking a traditional checking account: Savings, money market, and sweep accounts cannot be used for instant ACH payments
Double-check your bank login credentials: Try logging into your bank's website or app directly using the same username and password.
Disable VPN or private browsing: Stripe may block logins from anonymous or masked browsing tools.
Try a different browser or device: Switching from Safari to Chrome (or vice versa) often resolves the issue.
Confirm that online banking is enabled: If you just opened your account, online access might not be active yet. Contact your bank to confirm.
Additional Troubleshooting Steps
Clear your cache and cookies
Browser memory can sometimes interfere with the Stripe login window.
Clear your browser’s cache and cookies. Video here. Note: the wording may vary slightly depending on your browser but look for items like "browser history", "browsing data", "clear history", etc
Restart your browser and try again
Update your browser
Verification works best on modern browsers like Chrome, Firefox, or Edge. If you're using an outdated browser, update it or try another one.
Try a different network
Some corporate or public networks block third-party tools. Switching to a different Wi-Fi network or mobile hotspot may help.
If Your Credentials Are Definitely Correct
If you’re confident your login is correct, but still can’t connect:
Your bank may have extra security settings (like two-factor authentication or CAPTCHA) that Sripe can’t work around
Some banks temporarily block third-party login attempts, especially after password changes or security alerts
In these cases, wait a few hours or contact your bank’s support to make sure everything is working on their end. Alternatively, you can try a different bank account or credit card to complete the payment.
Need Help?
If you’ve tried all of the above and still can’t connect your bank:
Contact our Member Success Team at [email protected]. Please include:
The name of your bank
The device and browser you're using
A brief description of the issue
We’re happy to walk you through it or offer an alternate solution.