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Connecting to your Bank

You can sync ClearCheckbook with your financial institutions so your transactions are automatically added to ClearCheckbook. This page covers information and the process of syncing ClearCheckbook with your financial institutions.
This feature is only available for ClearCheckbook Premium or Sync Membership members.

Frequently Asked Questions

Can I connect ClearCheckbook to my bank?
Every ClearCheckbook Premium and Sync Membership member can add up to 5 supported financial institutions and have your transactions automatically downloaded.
Note: If you're a ClearCheckbook Premium member and also have a Sync Membership, you can connect up to 10 financial institutions.
What counts as a connection?
You can add up to 5 financial institutions. A financial institution would be something like Bank of America. If you have a Bank of America checking, savings and credit card and connect each of those accounts, that still only counts as one connection.
Note: If you're a ClearCheckbook Premium member and also have a Sync Membership, you can connect up to 10 financial institutions.
I'm having trouble connecting to my bank.

If you're having trouble connecting your bank to ClearCheckbook, it might be a problem with the financial institution or the API. Some common connection errors can be found on Plaid's website.

How much historical data is sent to ClearCheckbook when I sync an account?

We are able to retrieve a maximum of 24 months worth of data, when available. If you have more than 24 months of data in your bank account, we will create a starting balance that makes up the difference.

After the initial download of transactions, how often does ClearCheckbook look for new transactions?

New transactions typically sync once per day, although some financial institutions send updates several times per day, while others may take a few days to process. You can find information about the last sync by hovering over the icon in your account overviews or by hovering over the Connected and syncing transactions text under your account in the Settings -> Accounts management page.

What happens if I have an existing ClearCheckbook account with transactions I've entered and then connect it to my bank?
If you connect an account you've already added to ClearCheckbook, we will not retrieve any historical transactions and will only start syncing transactions that get posted after the connection is made.
Note: The syncing process will retrieve at least the previous 7 days worth of transactions due to the way transactions are posted and processed. The first sync might cause a few duplicates with your manually entered transactions but you can use our Merge Transactions button to combine them.

Choosing a connection method

Before explaining the various connection methods, you need to choose which one fits your needs. This section will help you decide which method to use by answering a few questions.

Question 1: Have you already created the account in ClearCheckbook?

If you see the account in your Accounts list, this would be considered an existing account and you would answer Yes to this question.

If the answer is No, follow the instructions in the Connecting new accounts section below.

If the answer is Yes, continue to Question 2.

Question 2: Do you already have any other accounts connected to the same institution?

An institution refers to a bank, credit union, credit card comapny, etc. If you want to authorize more accounts with an institution you already have a connection with, you'll want to answer Yes.

If the answer is No, follow the instructions in the Connecting existing account section below, focusing on the New Institution block.

If the answer is Yes, follow the instructions in the Connecting existing account section below, focusing on the Existing Institution block.

Connecting new accounts

This section explains how you can connect to a bank and have the selected accounts created at the same time. If you haven't already added the account(s) in ClearCheckbook, click the Sync a Bank Account button in the Create Account form, or as Option 1 in the Bank Connections section.

Syncing Transactions - Connecting a new account
In the Create Account box at the top of the page
Syncing Transactions - Connecting a new account
Option 1 in the Bank Connections section

Clicking the Sync a Bank Account button will launch the connection process. Once you complete the process, any accounts you authorized will be added to ClearCheckbook and your transaction history will start to download as soon as it's available.

Note: Accounts created through this process will be given a default name that consists of the bank name and the account name. For example, if you connect a checking account from Wells Fargo, the account will be named Wells Fargo - Savings. You can edit the account name at any time following the instructions for editing an account here: Settings Manage Accounts

Existing Accounts - Step 1: Connecting your bank

If you've already set up and have been adding transactions to an account within ClearCheckbook, you can still connect it to your bank. This is a two step process where you first need to authorize a new bank connection and then pair the authorized account with an existing ClearCheckbook account.

When it comes time to make a connection to your bank and authorize accounts, you have two choices. If you haven't connected to this institution before, follow the New Institution instructions. If you already have a connection to this institution and need to update which accounts are authorized, follow the Existing Institution instructions.

New Institution:

If you don't have a connection to this institution, this will be a new institution connection. An institution refers to a bank, credit union, credit card comapny, etc.

The first thing you need to do is create a new bank connection and select which accounts ClearCheckbook can have access to. To do this, find the Bank Connections section in the Account Settings and then click the Authorize New Bank button next to Option 2.

Syncing Transactions - Connecting a new bank
Authorize a new bank connection

Existing Institution:

If you want to connect additional accounts to an institution that you've already made a connection with, this will be an existing institution connection. An institution refers to a bank, credit union, credit card comapny, etc.

If you need to authorize additional accounts at an institution that's already connected to ClearCheckbook, you can click the Update authorized accounts link next to the bank name in the Bank Connections section.

Syncing Transactions - Authorizing new accounts at existing institution
Authorize new accounts with existing bank connection

After authorizing account(s), they will appear in the Bank Connections section. The name of the bank, the authorized accounts and their paired ClearCheckbook accounts will show up. If the authorized accounts haven't been paired to a ClearCheckbook account, they'll appear grey and italicized.

Syncing Transactions - Existing connections and authorized accounts
Existing connections and authorized accounts

As stated above, if you need to authorize more accounts at an already connected bank, you can click the Update Authorized Accounts link next to the bank name.

After authorizing accounts, you still need to pair them. Follow the instructions in Step 2: Pairing authorized accounts below to pair your authorized accounts to their counterpart ClearCheckbook accounts. Failure to do this will result in your transactions not syncing.

Existing Accounts - Step 2: Pairing authorized accounts

After you have authorized an account using Step 1: Connecting your bank above, you'll need to pair the authorized accounts with their ClearCheckbook counterparts. If you skip this step, your transactions will not download since they aren't associated with a ClearCheckbook account.

To pair an existing ClearCheckbook account with an authorized account, click on the Link to bank link under the ClearCheckbook account you want to pair with an authorized account. This will open a form where you can select an unpaired account. Once you select an authorized account from the drop down list, click the Connect this account button to complete the process.

Syncing Transactions - Linking an existing account
Click to open form to select an authorized account
Syncing Transactions - Selecting an authorized account
Select an authorized account to pair with this ClearCheckbook account

Once you pair a ClearCheckbook account and an authorized account, the account in the Accounts List will update and the information in the Bank Connections section will show this new pairing.

Syncing Transactions - Account shows up as linked
Account shows that it is connected
Syncing Transactions - Bank Connections section shows updated pairing
Bank Connections section shows the new pairing
Note: The syncing process will retrieve at least the previous 7 days worth of transactions due to the way transactions are posted and processed. The first sync might cause a few duplicates with your manually entered transactions but you can use our Merge Transactions button to combine them.

Connection Flow

When you initiate a connection for a new or existing account, the process for establishing a connection with your bank is the same and is explained below. This process is handled securely by Plaid.

The first screen you see lets you know the connection process is about to begin.

Syncing Transactions - Launching the connection service
Launching the connection service

The next screen is where you choose the financial institution you want to connect with.

Syncing Transactions - Select a financial institution
Select a financial institution

Next, enter your login details for that financial institution. Note: Some institutions will launch a new window to their own website where you can enter your login details and authorize ClearCheckbook to access your accounts.

Syncing Transactions - Enter your login details
Enter your login details

Finally, select the account(s) you want to give ClearCheckbook access to and click the Continue button.

Syncing Transactions - Pick your account
Select which accounts are authorized for ClearCheckbook to access

After selecting which accounts to authorize, you will be redirected back to ClearCheckbook. What happens next will depend on how you opened the connection process. More information on the different results are detailed here:

Reason for connection What this does Result
Adding new account(s) through the Create Account form This creates a new connection between a bank and ClearCheckbook New ClearCheckbook accounts are created for all authorized accounts for this new connection. The account(s) have been given default names and the transactions for those account(s) are starting to download.
Authorizing a new bank connection from the Bank Connections section This creates a new connection between a bank and ClearCheckbook Authorized accounts you selected are available for pairing to existing ClearCheckbook accounts. Transactions will not start syncing until an authorized account has been paired to a ClearCheckbook account. More info here.
Updating authorized accounts Changing which accounts ClearCheckbook has access to at a specific bank If you open a new account at an existing bank, you can update the account authorizations so ClearCheckbook gets access to it. You'll still need to pair any newly authorized accounts to their ClearCheckbook counterparts before any transactions start syncing. More info here.
Fixing a connection error Your bank connection encountered an error The connection has been fixed and your transactions will resume syncing again

Connection Statuses

You will see different messages depending on the status of the account in question. The table below explains what each status means and any actions that need to be done.

Status Meaning Required Action
Connected and syncing transactions The account is connected to your bank and recieving transactions. You can hover over the text for details of the last sync. No action needed
Connection failed - Reauthentication needed The login details of your account have changed (credentials, MFA, or required user action) and a reauthentication is required to fix the connection. Click on the Fix Connection link to reauthenticate the connection to your bank.
Link to bank The account is not linked to any banks. To link this account, click the Link to bank link.

Fixing a connection

There are times when a connection to your bank will fail and you'll need to reauthenticate with your bank in order to restore the connection. To fix a broken connection, go to the Bank Connections section in the Settings Manage Accounts page. Find the account with a broken connection and then click the Fix Connection link. This will open a dialog where you reauthenticate with your bank.

Syncing Transactions - Fixing a connection
Fixing a broken connection

Option 1: Unpairing a ClearCheckbook account with an authorized account.

You can unpair a ClearCheckbook account from an authorized bank account at any time by going to the Settings -> Manage Accounts page and clicking the Unlink link under any connected account. This will prevent any more transactions from syncing to this ClearCheckbook account but will not completely remove the bank connection.

Syncing Transactions - Unlinking an account
Click to unlink a connected account

Option 2: Removing an entire bank connection.

If you want to completely remove a bank connection from ClearCheckbook, you can do that from the Settings Manage Bank Connections section by clicking the Remove Connection link next to the bank name.

Syncing Transactions - Removing a connection
Click to remove a bank connection

Removing a bank connection will stop transaction syncing for any and all accounts belonging to that bank.

Note: Deleting an account will remove the connection for that account. Resetting your accounts, performing a Start Over action or disabling your ClearCheckbook account will also remove all of your connections.

Accounts not syncing

What to do first:

The first thing you should do if your transactions haven't synced in a few days is make sure your connection is still active. You can check the connection statuses from the Account Settings page. If a connection is broken, you'll need to repair it before transactions will resume syncing. More information on connection statuses can be found here: Connection Statuses

Syncing frequency:

Most institutions will send new transaction data once every 24 hours on business days. Some institutions will send more frequently and others less so. If it hasn't been more than a business day since your last transaction sync occurred, please be patient and see if new transactions sync during the next business day.

We rely on Plaid to handle the retrieval and processing of your transactions. This is a one-way street where they send us a notification that the transactions are ready and then we download them. There isn't currently a way for ClearCheckbook to force Plaid to retrieve and process transactions outside of their schedule.

What information we need to help fix any issues:
If your accounts show up as connected but you haven't had any new transactions in a few days, please let us know the date, amount and description for some of the transactions that haven't synced, but show up on your bank statement, so we can create a support ticket with Plaid.

Transaction Categorization & Text Replacement

All downloaded transactions come pre-categorized and we apply those categories to the transaction by default. If a category doesn't already exist in your categories list, the category will be created automatically.

You can change this behavior so transactions aren't automatically categorized or you can set some specific categories for transactions based on keywords in the transaction description. You can learn more about this process in our Settings Premium Membership Synced Transaction Settings knowledge base article.

Supported Financial Institutions

To see if your financial institution can connect with ClearCheckbook, check out our General Sync with Banks Institutions List Knowledge Base section.