This notice appears when the account has only recently been created by the user. Some banks will provide a temporary password that must be changed to a permanent one on the first login. As we cannot set a user's new password they must log in and do this themselves before our system can continue the retrieval process.
In this instance, just have your client log in to their bank's online banking portal and complete the account setup process, including, the creation of a new password. Once that is done your client will be able to retry their login to that institution via CashDeck.