You’re happily earning cash back, checking in on your growing Ampli balance, and then BAM. Out of nowhere your debit card or credit card gets unlinked. Chances are you’ve facepalmed yourself, and screamed why? Well, we’re here to tell you about the card connection and disconnection processes – they are pretty routine – and what you can do about it (and trust us, it’s not that bad!)
What does it mean to connect your card?
Ok. Imagine you want to connect your wireless headphones to your phone. You’ll need to turn on your Bluetooth and pair those cool headphones with your phone, right? Well, it’s the same idea with connecting your card.
With connecting your card, you need to give us permission to connect your bank account, which includes your debit or credit cards, to Ampli. This way, when you shop at participating brands, you’ll earn cash back. So just like Bluetooth pairing, only you, the owner of the bank account, has permission to connect your cards. Don’t worry though, we never see your confidential account information, we just scan for transactions that earned you cash back – because nobody wants to be missing out on that!
What is MFA?
Multi-Factor Authentication (MFA).
MFA is a way for your bank to ensure that the credential authentication is done by you, the person who owns the account. Why is it called Multi-Factor Authentication? Let’s break it down:
The first factor that is used to confirm your identity is your username and password. The second, is something else like a one time SMS code sent to a specific phone number that only you, as the owner of your account, can access during a specific period of time. And there you have it: since more than one factor is used to confirm your identity, this method is called MFA – Multi-Factor Authentication.
We all know the old adage, “better to be safe, than sorry,” right? Well, that’s basically what MFA is: your little-bit-of-extra-protection so your bank can make sure that you are who you say you are. It’s a security setting that you can optionally turn on or off in your banking profile. Sometimes, certain banks automatically choose to turn on this security setting for you by default.
MFA provides another layer of security to your bank account. In addition to your login credentials, you may need to answer a security question, provide a unique SMS code that your bank may send you or other enhanced measures when you are requesting access to your account. It’s like your bank’s safety blanket. When your bank gets notified that Ampli wants to view your banking information, it needs to know that you have authorized this, hence MFA.
From social media networks to mobile technology to banks, big companies are using MFA because they want to protect their users from fraudulent activity.
Spending a few moments to answer a security question may seem like a hassle (we hear you), but it goes a long way in protecting your hard earned money and private information from being compromised. It’s pretty comforting knowing your bank has got your back when it comes to these things. Can we get a “Heck ya!” for MFA?
I connected my card, why is it disconnecting?
Let’s take the wireless headphone example. Sometimes, your headphones disconnect from your phone, right when your fav song comes on, no less! Your Bluetooth may disconnect, your wireless connection may have been interrupted, your phone may be undergoing an update or your phone’s security is triggering a disconnection. There’s a multitude of reasons why your headphones may disconnect, but luckily, all you need to do is just re-pair your headphones. It’s the same idea with reconnecting your card.
From time to time, you may need to reconnect your bank account to Ampli. If your bank account uses MFA, then this security setting will become active anytime your account is triggered to connect or share information with Ampli. Any change to your online financial account will trigger MFA.
Ok, I understand MFA, but what should I do about it, it’s frustrating!
The first thing to remember is that MFA is a security setting from your bank. So, MFA will always be a part of the card connection process. Just like you have to provide your login credentials when logging into your bank, if your bank uses MFA, you’ll have to authorize your bank to connect with Ampli. It’s just part of earning cash back!
So, when your card unlinks from Ampli, just remember: it was done as a precaution by your bank (which is a good thing). Ampli did not trigger this, and while we wish we had the magic wand to relink your card, we don’t.
The easiest and quickest thing for you to do is to reconnect your card. It will only take a few moments and you’ll be good to go.
Let’s say something updated (like your login credentials) and you still fail to connect your card. Simply go to your bank’s website to see if you need to make any necessary changes on your end. Then, return back to your Ampli app and try relinking.
My bank account still won’t connect, help!
Ok, no need to worry, because we’re here to help! In the event you’re having trouble on your own, do reach out to us using the in-app chat. You’ll be asked a few automated questions so we can determine your issue. More importantly, we promise we have real people in the background that look at each and every one of your messages. One of our awesome team members will get back to you. We’re experts at connecting cards, and we’ll be happy to assist you so you can start earning cash back!
Remember, the need to relink your debit and credit cards to Ampli does happen occasionally because your bank wants to make sure your financial information is being shared with your permission. Consider it like a check-in: they want to make sure it’s really you on the other side of that request! After all, it really is better to be safe than sorry :).
After all, by connecting your cards to Ampli, that only means one thing: cash back!
Your security matters. Our top priority is to ensure our members are always protected.
Learn more about how to earn cash back when you shop with Ampli.
No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by RBC Ampli Inc. or its affiliates. This article offers general information only and is not intended as legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. While the information presented is believed to be factual and current, its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author(s) as of the date of publication and are subject to change.