Your first transactions

Connecting a bank brings in your last 90 days. It’s a first honest look at where the money in your care has been going. It comes in two steps. Your accounts and balances show up right away. The transactions follow, most often within a minute or two. If Transactions looks empty when you first land, that’s normal. Check back in a moment.

After that, your banks update on their own when they have something new. You can still get the latest any time. Press Sync all on Accounts → Banks, or the sync button at the top of the page on a larger screen. On a phone, it’s the sync button on the Banks page’s status card.

Pending and cleared are not the same thing

A charge your bank hasn’t finished yet is pending. Transactions keeps these in their own group at the top, above the ones that have cleared. The amount often changes when it clears. A restaurant charges before the tip, and a gas pump holds a set amount first. So a pending charge is a promise, not a fact.

When the final charge comes in, it takes the pending one’s place. It doesn’t show up beside it, so you won’t count the same coffee twice.

The checkbox at the start of each row tells you which is which. It’s checked and gray once a transaction has cleared, and empty while it’s pending. You can press an empty box early. It lets you mark the transaction cleared, or match it to the cleared charge it turned into.

The gear beside the filters opens List settings. Choose whether to group transactions by date or show each one’s own date. Choose whether to show what’s coming up in the next 7 days above Pending. And add a Flag column for the colors you give transactions.

What to do first

1. Look over Transactions and fix any categories that came in wrong. Each fix can become a rule. See Categories and rules.
2. Press Start review on the “to review” strip above your transactions. Review asks one question at a time. Is this bank charge the same as one you added? Is this money moving between your own accounts, so it isn’t spending? Does this charge repeat? Which category does this one go in? Each answer saves as you give it, and you can undo it. See Transfers between your own accounts.
3. Then build a month on the Budget page. It suggests amounts from what just came in.

That first look can be humbling. It’s ninety days of real history, not the version we remember. Take it as attention, not judgment. You can’t tend what you can’t see, and you’ve just turned the light on.