Bank sync with Plaid

Connect your accounts

Start bank linking from Alto and follow Plaid’s connection flow. Select the accounts you want to use, then review how they will be added or linked in Alto.

You can keep using manual accounts if your institution is unavailable or you prefer not to connect. Bank login credentials are handled in the bank-linking flow, not stored by Alto.

Your starting point

A newly added linked account starts from the bank balance shown in the setup form. Posted transactions already included in that starting balance are not counted again.

Linking an existing manual account preserves its transactions and starting balance. Sync does not add automatic balance-adjustment transactions or continually force the balance to match the bank.

Review incoming activity

Sync timing depends on your institution. Activity may arrive pending and later post with a different date, amount, or merchant description. Review the transaction list and categorize new activity.

Alto can identify likely matches between bank activity and manual entries. Review a suggested match before treating apparent duplicates as separate purchases.

Reconnect or disconnect

A bank may ask you to reconnect after a login change or an expired connection. Follow the reconnect prompt in Alto. Hidden accounts stop syncing and are excluded from the budget views.

Disconnecting an account stops future syncing while keeping its history. Account deletion is a separate action.

When a balance looks wrong

Compare posted transactions and the starting balance before making a correction. Look for pending activity, missing entries, or duplicates. Use the account’s Reconcile action after you understand the difference.