Connecting Bank Accounts

Link your bank accounts to Pluvel for automatic transaction sync.

You’re still manually downloading CSV files from your bank every week. Then uploading them. Then matching transactions you’ve already categorized three times before.

Or maybe you’re entering transactions by hand, hoping you don’t miss anything.

Connect your bank accounts once and that busywork disappears. Transactions flow in automatically. Balances stay current. You spend time on actual bookkeeping instead of data entry.

Connecting via Plaid

Most bank connections use Plaid, a secure service trusted by thousands of financial apps (Venmo, Robinhood, and most fintech apps you’ve used).

1. Go to Banking

   Navigate to Settings → Banking or Banking → Accounts.

2. Click Connect Bank

   Click Connect Bank Account to open the Plaid interface.

3. Find your bank

   Search for your bank by name. Over 12,000 institutions are supported — if you’ve heard of it, it’s probably there.

4. Log in

   Enter your online banking credentials. This happens in Plaid’s secure interface — we never see your password.

5. Select accounts

   Choose which accounts to connect (checking, savings, credit cards).

6. Done

   Transactions start importing immediately. Historical data (up to 24 months) imports within a few hours.

What we can and can’t access

When you connect a bank account, we receive:

Data	What we use it for
Account balances	Cash position, dashboard metrics
Transaction history	Categorization, reporting, reconciliation
Account info	Name, type, last 4 digits

We don’t receive:

• Your login credentials (ever)
• Full account numbers
• Ability to move money

All bank connections are read-only. We cannot initiate transfers, payments, or any changes to your accounts. Technically impossible.

Direct integrations

Some banks offer direct integrations with enhanced features:

Bank	What you get
Mercury	Real-time sync, full history, enhanced transaction details
More coming	We’re adding more direct integrations

For banks with direct integrations, connect through Settings → Integrations instead of Plaid. You’ll get better data.

What account types work

Account type	Supported
Checking	✓
Savings	✓
Money market	✓
Credit cards	✓
Lines of credit	✓
Business loans	Varies by bank

Connecting multiple accounts

Connect as many accounts as you need:

• Multiple accounts at the same bank
• Accounts at different banks
• Credit cards
• Both business and personal (if you need to track both)

Each account appears separately. You can manage them independently, and we won’t mix your transactions.

How often transactions sync

Sync type	When it happens
Automatic	Every 6-12 hours
Manual	Click “Sync Now” anytime
Initial	First sync imports up to 24 months

New transactions typically appear within a few hours of posting to your bank. Not instant, but close enough for most bookkeeping.

Connection health

Monitor connection status in Banking → Accounts:

Status	What it means
🟢 Connected	Working normally
🟡 Needs attention	Temporary issue, usually resolves on its own
🔴 Disconnected	Your bank needs you to re-authenticate

When connections break

Connections occasionally need refreshing — usually because you changed your bank password, or your bank pushed a security update.

When that happens:

1. Go to Banking → Accounts
2. Click on the affected account
3. Click Reconnect
4. Log in again through Plaid

Takes about 30 seconds. Your historical data stays intact.

Security

Bank connections are secured by:

• Plaid’s security — SOC 2 Type II certified, bank-level encryption
• No credential storage — We never see or store your password
• Token-based access — Secure tokens, not credentials
• Read-only access — Cannot modify your accounts

Your bank data is probably safer in Plaid than in most other systems you use.

Mercury integration

Connect Mercury for real-time banking.