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Accounts — Bank & Credit Card Setup

Overview

Section titled “Overview”

Accounts represent the bank, credit card, cash, loan, or investment accounts that transactions belong to. Every CSV import and Bank Sync mapping targets one local account.

Settings page where local accounts are created and managed

Account List

Section titled “Account List”

Go to Settings > Accounts to review configured accounts. The table shows:

| Column | Description | | ---- | ---- | | Account | Account name and institution | | Type | Checking, Savings, Credit Card, Investment, Cash, Loan, or Money Market | | Format Profile | Last CSV profile used for this account | | Pos. Default | Flow type used when an uncategorized positive amount imports | | Neg. Default | Flow type used when an uncategorized negative amount imports | | Transactions | Transaction count and most recent import date | | Status | Active or inactive |

Inactive accounts stay in your database but are hidden from import and check register dropdowns.

Creating an Account

Section titled “Creating an Account”
  1. Click Add Account or Add Your First Account
  2. Enter an account name and institution
  3. Select the account type
  4. Review the detected format profile, if one matches the institution
  5. Click Create Account

After creating an account, choose Done to return to Settings or Import CSV to go directly to the import flow.

Account Type Defaults

Section titled “Account Type Defaults”

Account type controls how uncategorized transactions are classified before a merchant rule matches them. For example, a negative amount on a checking account is usually an expense, while a negative amount on a savings account is usually a transfer.

You can change the positive and negative defaults later in the edit form.

Format Profile Matching

Section titled “Format Profile Matching”

When you enter an institution, Acclo IQ checks built-in format profiles for that bank. It first looks for a profile that matches both the institution and account type, then falls back to a generic institution profile when one exists.

If no built-in profile matches, leave the account without a profile and create a custom one during CSV import.

Editing an Account

Section titled “Editing an Account”

Click the pencil icon to edit a manual or CSV account. You can update:

  • Account name
  • Institution
  • Account type
  • Last used format profile
  • Active status
  • Uncategorized flow defaults

Bank Sync accounts are edited from Settings > Bank Sync because their local account is tied to a SimpleFIN mapping.

Deactivating an Account

Section titled “Deactivating an Account”

Use the status toggle to deactivate an account without deleting its transactions. This is useful when an account is closed, temporarily over the Free tier account limit, or preserved after a downgrade.

Deactivated accounts remain available in historical reports and exports, but they no longer appear in new import and check register pickers.

Deleting an Account

Section titled “Deleting an Account”

Click the trash icon to delete an account. If the account has transactions, the confirmation explains that those transactions will be permanently deleted.

For Bank Sync accounts, deleting the local account also sets the SimpleFIN mapping to Skip so future syncs do not recreate or update the deleted account.

Free vs Pro Limits

Section titled “Free vs Pro Limits”

Free includes up to two active accounts. Pro supports unlimited active accounts. Existing data is preserved if you downgrade; accounts over the Free limit are deactivated rather than deleted.

Section titled “Related Guides”