Accounts

Accounts

Curl Budget connects to your financial accounts to automatically import transactions. You can connect bank accounts, credit cards, and investment accounts through secure integrations, or create manual accounts for cash and unsupported institutions.

Account Types

Connected Accounts

Accounts that sync automatically:

Plaid-Connected

• Most banks and credit unions
• Credit cards
• Investment accounts
• Automatic transaction sync

Apple Accounts

• Apple Card
• Apple Cash
• Apple Savings
• Direct integration with Apple Financial services

Manual Accounts

Accounts you manage yourself:

• Cash on hand
• Banks not supported by Plaid
• Foreign accounts
• Any account you want to track manually

Connecting Your First Account

Via Plaid (Most Banks)

1. Tap "Add Account"
2. Search for your bank
3. Log in with your bank credentials
4. Select accounts to connect
5. Transactions begin syncing immediately

See Plaid Integration for detailed steps.

Via Apple

1. Tap "Add Account"
2. Select "Apple Accounts"
3. Authenticate with Apple ID
4. Select accounts to connect

See Apple Accounts for details.

Manual Account

1. Tap "Add Account"
2. Select "Manual Account"
3. Choose account type
4. Enter starting balance
5. Add transactions manually as needed

See Manual Accounts for details.

Account Information

Each account shows:

Basic Details

• Account name - From your bank or custom name
• Institution - Bank or credit union name
• Account type - Checking, savings, credit card, etc.
• Last 4 digits - Account number ending

Balances

• Current balance - Latest synced balance
• Available balance - For checking/savings
• Credit limit - For credit cards
• Last updated - When balances were last synced

Connection Status

• Connected - Syncing normally
• Needs Attention - Requires action (re-authentication)
• Disconnected - No longer syncing

See Account Health for troubleshooting.

Managing Accounts

Renaming Accounts

Customize account names for clarity:

1. Tap the account
2. Tap "Edit"
3. Enter a new nickname
4. Save

The original bank name is preserved for reference.

Hiding Accounts

Hide accounts you don't want to see in lists or reports:

1. Tap the account
2. Tap "Edit"
3. Toggle "Hide this account"
4. Save

Hidden accounts:

• Don't appear in transaction lists
• Don't affect reports
• Can be unhidden anytime
• Keep syncing in the background (if connected)

Reordering Accounts

Drag accounts to change their display order:

1. Go to Settings → Accounts
2. Tap "Edit"
3. Drag accounts to reorder
4. Save

Disconnecting Accounts

Remove a connected account:

1. Tap the account
2. Tap "Disconnect"
3. Choose whether to keep or delete transaction history
4. Confirm

For Plaid accounts, this also revokes Plaid's access to that account.

Account Sync

Automatic Sync

Connected accounts sync automatically:

• When you open the app
• Periodically in the background
• When new transactions are available (via webhooks)

Manual Sync

Force a sync anytime:

1. Pull down on the transaction list
2. Or tap "Refresh" in account settings

Sync Frequency

Transaction data typically updates:

• Multiple times per day for most banks
• Some institutions update once daily
• Investment accounts may update less frequently

Multiple Accounts

Across Institutions

Connect accounts from multiple banks:

• All transactions appear in a unified view
• Transfers between accounts are detected
• Reports show aggregated data

Same Institution

Connect multiple accounts from one bank:

• Checking and savings
• Multiple credit cards
• Joint and individual accounts

Shared Accounts

For joint accounts:

• Each user connects separately
• Or share one connection in a workspace
• Duplicate detection handles overlaps

Account Security

Plaid Security

• Read-only access (Curl Budget cannot move money)
• Credentials stored by Plaid, not Curl Budget
• Bank-level encryption
• See Bank Connection Security

Apple Security

• Uses your Apple ID
• Two-factor authentication
• No credentials stored by Curl Budget

Data Storage

• Transaction data is encrypted at rest
• Secure transmission (TLS)
• See Data Protection

Troubleshooting

Account Not Syncing

See Account Health for:

• Re-authentication steps
• Connection error resolution
• Refresh issues

Missing Transactions

Check:

• Sync status (pull to refresh)
• Date range filter
• Account isn't hidden
• Transaction isn't pending at your bank

Wrong Account Type

If an account shows as the wrong type:

1. Check with your bank—this comes from them
2. The type affects how some features work
3. Contact support if it's causing issues

Related Features

• Transactions - View transactions from all accounts
• Transfer Detection - Identify transfers between accounts
• Workspaces - Share accounts with others
• Privacy & Security - How your data is protected