What ReadyCents syncs
Bank sync pulls the latest account snapshots ReadyCents can get from your connected provider. That includes bank balances, account metadata, posted transactions, and pending transactions when the provider and bank make pending activity available.
Once ReadyCents receives the data, it matches it to linked ReadyCents accounts, updates the latest bank balance shown during reconciliation, and places new or matched transactions into the account register for review.
SimpleFIN vs Plaid timing
SimpleFIN and Plaid can show different timing for the same bank. Plaid may receive some pending or posted transactions sooner. SimpleFIN Bridge is usually closer to a daily refresh path, and some banks do not expose pending transactions through every connection method.
If Plaid sees a transaction before SimpleFIN, that does not automatically mean ReadyCents missed it. It can mean SimpleFIN has not received the bank's newest snapshot yet.
Where to manually sync
Open a linked account and use Sync bank from the account actions. That checks your active bank connections without making you dig through Settings.
Bank Connections still has Sync now as a fallback management action, but day-to-day refreshes belong inside the account you are reviewing.
Pending, posted, and slow import
Pending transactions are visible when the bank and provider share them before they fully clear. Posted transactions are finalized by the bank and can be approved, matched, categorized, or rejected in ReadyCents.
A slow import warning means ReadyCents is still waiting on the bank/provider side. Weekends, holidays, bank posting schedules, and pending holds can all delay activity even when the purchase already appears in the bank's own app.
Reconciling a linked account
Reconcile compares your ReadyCents cleared balance to the most recent bank balance ReadyCents received from SimpleFIN or Plaid. If they match, the account is in good shape. If they do not, ReadyCents shows the difference so you can inspect missing transactions or enter the correct balance.
If the provider balance is old, sync first. If the provider still returns an old balance after syncing, wait for the provider/bank refresh before treating the bank-side number as final.
Server diagnostics
If a linked account says sync succeeded but no transactions appeared, open /api/bank-connections/diagnostics while signed in. ReadyCents will ask SimpleFIN from the server and show a safe summary of what came back: account names, provider account ids, balances, transaction counts, and newest returned transaction dates.
The diagnostic never shows SimpleFIN access URLs, Plaid tokens, or transaction descriptions. Because it performs a live provider fetch, SimpleFIN may still email you that transaction data was accessed from a new ReadyCents server IP.