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Email this3:28 pm
May 20, 2016
Offline
I linked a Tangerine savings account through Flinks. However, I received the following email with the subject "Bank Holder Name not match".
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Please be advised that we have received a request to link new banking that was unable to be completed for an external account ending in "xxx" under CASECAS-xxxxxx-xxxxxx as the bank holder’s name did not match.
If the banking information can be linked externally, please submit the following supporting documentation for review and processing to proceed with the request:
a pre-printed VOID check with your full name or an equivalent PAD form printed, stamped, or downloaded from your bank, including the transit number. We require a bank statement and a signed letter of direction for all digital void checks, and PAD forms.
Supporting documents can be submitted as follows:
- email to service@oaken.com, or
- Mail to 145 King Street West Suite 2500 Toronto ON M5H 1J8, or
- in person at an Oaken store location https://www.oaken.com/our-locations/
For assistance or questions, please call 1-855-625-3622 Monday to Friday 8:00 am to 8:00 pm and Saturday 9:00 am – 5:00 pm ET.
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Of course, my name is the exact same for Oaken and Tangerine accounts. Obviously, Oaken is trying to prevent me from linking an external account. There is no void cheque for Tangerine savings accounts, and I couldn't get the PAD form through Tangerine online banking. I called Oaken, and was told I should call Tangerine to get the PAD form for my savings account.
3:49 pm
October 27, 2013
Online
davidgeorge said
Obviously, Oaken is trying to prevent me from linking an external account.
I sincerely doubt it. I rather suspect there is some glitch in how the algorithm software is comparing names. Could be an initial, a space, a period as in 'Tom D. Smith' instead of 'Tom D Smith', etc. I suspect some/most algorithms look for 'exactness'.
3:59 pm
May 20, 2016
Offline
Name is the exact same: first name (xxxxxx) last name (xxxxx). I linked my Tangerine checking account a few years ago without any problem.
4:17 pm
August 4, 2010
Offline
It is possible that the Flinks scraping is somehow failing to retrieve your name from the savings account, and Oaken is trying to match their version of your name to some sort of null value, or some garbled text that Flinks returned as your name. It could even be that it is throwing the name error even though the match failure is on your SIN or something.
If Oaken is unwilling or unable to tell you what Tangerine "name" from Flinks it is matching against and figure out what is going wrong, you'll probably have to go through the tedious confirmation process they've given you.
4:19 pm
August 4, 2010
Offline
They could update the error message to "...as the bank holder’s name did not match, or Flinks is acting like a steaming pile of horse manure.", as if you really have the exact same name on both accounts, the latter is probably the cause.
4:26 pm
August 4, 2010
Offline
I have both Tangerine and Oaken accounts still active, and I notice that while Oaken shows my "Full name" in the form "Northern Raven", the account details on the Tangerine accounts show the "Primary Account Holder" as "Mr. Northern Raven". If the Flinks or Oaken code is particularly stupid, it may not be stripping off the honorific before a fairly rigid compare, and that could be the issue.
4:28 pm
November 8, 2018
Offline
I had an opposite problem few days ago: tried to link Motive account as external account at Tangerine. My request was rejected with "account holder name does not match" error.
I had that same Motive account linked at Tangerine few years ago with no issues. Then, deleted link, and now can't link account again.
There must have been some security related change somewhere related to linking external accounts, and it does impact more than Oaken.
11:00 pm
April 6, 2013
Offline
davidgeorge said
… There is no void cheque for Tangerine savings accounts, and I couldn't get the PAD form through Tangerine online banking. I called Oaken, and was told I should call Tangerine to get the PAD form for my savings account.
How about the Tangerine direct deposit form for the savings account?
How do I get a direct deposit form?
Here's how you can print a direct deposit form:
- From your desktop browser, log in at tangerine.ca (if you haven't already)
- Click your name near the top of the screen, then click 'Forms'
- You'll find the direct deposit form under 'Banking Forms'
- Click the ‘View’ button to complete and print the form
6:45 am
May 20, 2016
Offline
Norman1 said
davidgeorge said
… There is no void cheque for Tangerine savings accounts, and I couldn't get the PAD form through Tangerine online banking. I called Oaken, and was told I should call Tangerine to get the PAD form for my savings account.How about the Tangerine direct deposit form for the savings account?
How do I get a direct deposit form?
Here's how you can print a direct deposit form:
- From your desktop browser, log in at tangerine.ca (if you haven't already)
- Click your name near the top of the screen, then click 'Forms'
- You'll find the direct deposit form under 'Banking Forms'
- Click the ‘View’ button to complete and print the form
Thank you! I downloaded the form and emailed to Oaken.
8:18 am
February 16, 2013
Offline
Alexandre said
I had that same Motive account linked at Tangerine few years ago with no issues. Then, deleted link, and now can't link account again.
I have never been able to add Motive to my list of 3 links at Tangerine. Tried years ago. I remember the 2 deposits from Tangerine hitting the Motive account but then they were reversed and the link was not created. Each side blamed the other. 
11:32 am
April 6, 2013
Offline
Alexandre said
I had an opposite problem few days ago: tried to link Motive account as external account at Tangerine. My request was rejected with "account holder name does not match" error.
…
That doesn't make sense. All the external accounts I linked at Tangerine were done through microdeposits. Tangerine doesn't receive the actual account holder name when it sends the micro direct deposits.
Sounds like you were trying to connect an external account to have the account's balance show in Tangerine online banking instead of linking an external account to tranfer money back and forth:
Norman1 said
To link to another account, be sure to delete an existing linked account if one already has three accounts linked.The button to link another account via microdeposits disappears (instead of being greyed out) when one already has the maximum three accounts linked. So, one is mislead to think that "Add Financial Institution" for Plaid is the only choice.
12:05 pm
April 6, 2013
Offline
MG said
I have never been able to add Motive to my list of 3 links at Tangerine. Tried years ago. I remember the 2 deposits from Tangerine hitting the Motive account but then they were reversed and the link was not created. Each side blamed the other.
People have reported similar situation linking to their HSBC bank account. Microdeposits would arrive. But, subsequent transfers were bounced. The problem was incorrect HSBC account number.
The microdeposits worked because they were likely directed manually to the intended account by HSBC branch staff. HSBC likely was willing to take the risk of crediting a different account than the one specified in the direct deposit when the amount was something like 38¢. But, not when the amount was $38,000.
It is better to use the transit number and account number off a cheque, a direct deposit form, or PAD form from the bank and not guess by using the numbers from online banking or a statement. HSBC online banking showed extra digits in the account number. BMO InvestorLine monthly statements missed a digit in the transit number of the AccountLink chequing account. 
12:16 pm
November 8, 2018
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Norman1 said
That doesn't make sense. All the external accounts I linked at Tangerine were done through microdeposits.
Agreed, does not make much sense, but it is what it is. Must have been changed not so long ago. No, it is not "Financial institutions added (view only)", I know the difference.
When was the last time you linked External account in Tangerine? If you try that now, you'll be greeted by the following:
Linked external accounts
You can have up to 3 external accounts linked to your Tangerine Account(s). The name on your external account must match the name on your Tangerine Account.The following accounts are currently linked to your Tangerine Account(s):
You have to have less than 3 accounts linked to see this. I have two.
I can share screenshots if you'd like.
12:28 pm
August 4, 2010
Offline
Back in May/June, I deleted one of my 3 Tangerine external links that was obsolete, and added a new one with the "Add Linked account". It was the "2 microdeposits, come back and confirm" as always, and I don't remember any option to do a Flinks/Plaid that could result in a "names don't match" problem.
12:44 pm
April 6, 2013
Offline
Alexandre said
When was the last time you linked External account in Tangerine? If you try that now, you'll be greeted by the following:
…
Last year, around April 2023. There were two microdeposits. I would have refused if Tangerine, Flinks, or Plaid asked for login credentials for the external account.
12:46 pm
November 8, 2018
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NorthernRaven said
Back in May/June, I deleted one of my 3 Tangerine external links that was obsolete, and added a new one with the "Add Linked account". It was the "2 microdeposits,
Which means, the change in external account validation at Tangerine must have happened between May/June and July. I tried in July 2024.
This is from Tangerine app, but it is the same in Web interface.
1:00 pm
August 4, 2010
Offline
I don't know what info they receive when making the microdeposits, and I wouldn't think a deposit transaction would receive back the name of the account holder (?), but if they are and they are getting something wrong/garbled/null back from Motive on that, they may be throwing a "name doesn't match" at you even though the microdeposits went through.
3:08 pm
April 6, 2013
Offline
Nothing comes back for a direct deposit item or pre-authorized debit item unless the item is rejected and returned by the receiving bank.
The thirty-character payee/payor name needs to be set in the item. The receiving bank can reject and return the item for reason 914 (Incorrect Payor/Payee Name). But, Payments Canada Standard 005 says the payee/payor account number can be relied on solely to credit/debit the targeted account.
5:30 pm
August 4, 2010
Offline
That could be what's happening, if Tangerine is sending along those honorifics in the name ("Mr. Northern Raven"), so some receiving institutions may be checking the provided name and not handling that well and decide to return that 914 error.
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