- 1
Open Banking
Accounting › Banking › Connect Account. You'll confirm a two-step sign-in code first, because this screen reaches your bank data.
- 2
Find your bank in Plaid
Search for your bank and sign in. For banks like Chase or Bank of America, the bank's own window opens to approve access; your bank login goes to the bank, never to Tacit.
- 3
Choose the accounts
Pick the accounts to share, such as operating, fuel or savings. You can add a second bank in the same session.
- 4
Let the history arrive
Up to two years of transactions come in over the next few minutes, and new ones arrive on their own after that. Pending charges show as pending until they post.
Which button to use
| What happened | What to do |
|---|---|
| The card says Reconnect required (you changed your bank password, or the bank wants you to sign in again) | Reconnect. It keeps the same connection and fills in anything missed. |
| You opened a new account at the same bank, or want to stop sharing one | Add or remove accounts, on the bank's card. |
| A New accounts found banner appears | Add accounts. |
| You no longer use this bank | Disconnect. New transactions stop syncing and Plaid's access ends. Your history stays, under Transactions › No longer syncing. |
| Transactions look out of date | Sync Now, from the card's menu. |
Disconnecting and connecting the same bank again is safe. Tacit recognizes the accounts and picks up where you left off: nothing is added twice, and your categories, matches and reconciliation stay on the transactions you already had.
- "Already connected": you linked a bank that is connected now. Use Add or remove accounts on its card instead.
- The bank's sign-in window doesn't open: connect from Chrome, Safari or Edge rather than from a link inside an email or social app, whose built-in browsers can block it.
- Your bank isn't listed, or its sign-in fails repeatedly: try again later, as banks have outages, then tell support which bank it is.
Plaid gives Tacit read-only access to transactions and balances. Tacit never sees your bank password and never stores a full account or routing number; payments to Tacit run through Stripe. Disconnecting ends Plaid's access but doesn't delete transactions already synced: they are your accounting records, so they stay in your books while your Tacit OS account is open and are deleted with the rest of your data 30 days after it closes. You can ask us to delete them sooner.