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Bank Sync — SimpleFIN Auto-Import

Overview

Section titled “Overview”

Bank Sync uses SimpleFIN Bridge to automatically pull transactions from your financial institutions into Acclo IQ without manual CSV exports. The Bank Sync feature is available on all tiers — Free is capped at two active accounts total (CSV and synced combined), Pro is unlimited.

Bank Sync settings tab showing connected SimpleFIN Bridge with account mappings

SimpleFIN Bridge is a third-party service ($1.50/month or $15/year) that connects to your bank and provides a secure API for apps like Acclo IQ to read your transactions. It supports thousands of banks and credit unions. SimpleFIN transaction history may be limited to a rolling 60-day window, so use CSV import or backup exports for older history.

Setting Up Bank Sync

Section titled “Setting Up Bank Sync”

Step 1: Get a SimpleFIN Token

Section titled “Step 1: Get a SimpleFIN Token”
  1. Go to Settings > Bank Sync
  2. Choose your path:
    • First time? Click Set Up SimpleFIN to open SimpleFIN Bridge. Sign up, connect your bank accounts in the SimpleFIN dashboard, go to the Apps section, click New connection, and copy the setup token
    • Already have a setup token? Click I already have a token and skip ahead to Step 2 below

Step 2: Connect in Acclo IQ

Section titled “Step 2: Connect in Acclo IQ”
  1. Paste the setup token into the Setup Token field
  2. Click Connect
  3. The app claims the token and fetches your available bank accounts

Step 3: Map Accounts

Section titled “Step 3: Map Accounts”

For each bank account found by SimpleFIN:

  1. Toggle Active to enable syncing (or Skip to ignore)
  2. Choose to Create new account in Acclo IQ or map to an existing account
  3. Select the Account Type (Checking, Savings, Credit Card, etc.)
  4. Click Save & Start Syncing

A success screen confirms the connection. Click Done to finish setup.

Syncing Transactions

Section titled “Syncing Transactions”

After setup, the Bank Sync section in Settings shows:

  • Connection status — "Connected" badge with last sync time
  • Sync Now button — manually trigger a sync at any time
  • Account Mappings — view and edit which remote accounts sync to which local accounts

Each sync pulls new transactions, deduplicates them against existing data, and runs the rule engine for auto-categorization.

For older history, import a historical CSV first, then use Bank Sync for ongoing updates.

Sync Results

Section titled “Sync Results”

After syncing, a result message shows:

  • New transactions imported — count of fresh transactions
  • Duplicates skipped — transactions already in your database
  • Inactive account mappings skipped — mappings preserved for inactive accounts after downgrade or restore
  • Uncategorized — transactions that didn't match any rule

Deduplication

Section titled “Deduplication”

Bank Sync uses the same deduplication logic as CSV import. If you import the same transaction via both CSV and Bank Sync, the duplicate is detected and skipped. Cross-source duplicates can be reviewed on the Transactions page via View > Copies.

Disconnecting

Section titled “Disconnecting”

Click Disconnect in the Bank Sync section to remove the SimpleFIN connection. Your existing synced transactions are preserved — only the connection is removed.

Section titled “Related Guides”