Bank connections and syncing

How do I connect my bank?

1. Go to More → Accounts and tap “Connect an account”.
2. Confirm it’s you with Face ID, your fingerprint or your device passcode. Pennyjay asks every time, even if the app lock is off.
3. Find your bank and sign in with Plaid.

The connection is read-only. Pennyjay never sees your bank login and can’t move money. Your phone needs a passcode set before you can connect a bank.

How much history comes in?

Pennyjay asks for up to two years of transactions. How much arrives depends on your bank. Recent transactions show up first, and older history can take a little longer to fill in.

How often do my accounts update?

Every 4 hours on a schedule, and sooner when your bank tells us something changed. To refresh now, tap the sync button at the top of Accounts, or pull down on Home, Accounts, Net worth or Safe to spend.

If a bank hasn’t synced for more than a day, Accounts shows a banner saying it “hasn’t synced in over a day”, and you get a Sync issues alert.

My bank says it needs me. What do the messages mean?

• “needs you to sign in again”: your bank logged Pennyjay out, often after a password change. Tap “Reconnect” and sign in.
• “needs a verification code”: your bank wants a one-time code. Tap “Reconnect” and enter it.
• “needs you to take action on their site”: sign in on your bank’s own website or app and accept whatever it’s asking for (often new terms), then tap “Reconnect”.
• “is disconnected”: the connection was removed. Connect the bank again from Accounts.

Reconnecting keeps your history, categories and notes. When it works, Pennyjay says the bank “is back” and syncs right away.

A bank still isn’t syncing. How do I get help?

Go to More → Accounts → “Report a sync problem” (or open the account and tap “Report a sync problem” under Manage). Pick the bank, add a note if you like, and tap “Send report”. A person replies to your email within one business day.

The report includes the connection’s status and last error code, its recent sync attempts, and each account’s type and last update. It never includes your balances, transactions, account numbers or bank password.

You can also check pennyjay.com/status to see whether syncing is down for everyone.

How do I disconnect a bank?

Open any account from that bank and tap “Remove connection” under Manage. Pennyjay stops syncing every account from that bank and revokes its access. Past transactions stay.

Only the person who connected the bank can remove it, or the household owner when it only feeds shared accounts.