Banking & Reconciliation

Bank Accounts

Create bank accounts linked to your chart of accounts. Each account owns its own statement imports, transactions, and reconciliation workflow.

Fields

Importing Transactions

Import bank statements into a specific bank account:

1. Navigate to your bank account
2. Click Import Statement
3. Upload a file or paste raw statement data
4. Preview detected rows, duplicates, warnings, and date ranges
5. Confirm the import

Supported formats:

• CSV
• TSV
• QIF
• OFX / QFX / QBO
• CAMT.052 / CAMT.053 / CAMT.054
• MT940 / MT942
• BAI2

Every imported transaction stores provenance such as the import batch and source format.

Live Connections

Live bank feeds are powered by Plaid and are env-gated.

• Set PLAID_CLIENT_ID, PLAID_SECRET, and PLAID_ENV (sandbox, development, or production) to enable
• When unset, the banking UI hides the connect flow and statement imports remain the active workflow
• From Banking > Connect, link an institution via the Plaid Link handoff (OAuth where the bank requires it)
• Linked accounts sync transactions on a webhook and surface alongside imported statements in the same reconciliation queue
• Production usage typically returns 24 months of history; older activity is backfilled by statement import

Reconciliation

Reconciliation matches bank transactions to your accounting records.

Transaction Statuses

• Unreconciled — Not yet matched
• Reconciled — Matched to a journal entry
• Excluded — Intentionally ignored (e.g., transfers between own accounts)

Reconciliation Workflow

1. Navigate to the bank account → Reconcile
2. Create a new reconciliation session with date range
3. Review unreconciled transactions
4. Match each transaction to invoices, bills, or journal entries
5. Mark as reconciled or excluded

The fuzzy matcher suggests matches based on amount, date, reference, and description.