Financial wellness transactions help

The Financial Wellness Transactions tab helps you review account activity and organize it for budgets, goals, cash-flow summaries, and insights. It is a planning and awareness tool. It does not replace your bank statement, create a deposit balance, make payment decisions, or provide personalized financial advice.

Synced transactions come from connected account providers such as Plaid when paid Core access and sync are active. Manual transactions and manual imports can help you track activity that is not synced or when you want to keep planning without an active connection.

What You Can Do In Transactions

• Review recent income, spending, transfers, and other activity in one table.
• Search by merchant, category, account, or amount.
• Filter by category, connected or manual account, pending or cleared status, and income or spending type.
• View a Summary section for cleared transaction totals and top spending categories.
• Add one manual transaction or import a CSV or TXT file.
• Change a transaction category and choose whether the change applies only once or to matching merchant activity.
• Add or clear personal planning notes on transactions.
• Edit or remove manual transactions that you added yourself.

Activity And Summary

Use Activity when you need to find or review individual transactions. The table includes the transaction name, category, account, date, amount, and available actions.

Use Summary when you want a quick spending review. Summary totals are based on cleared transactions. Pending transactions are shown separately because the final merchant name, date, amount, or category can still change before the transaction clears.

If the Summary section says there are no cleared transaction categories yet, connect or sync accounts, add manual transactions, or import a file. Pending-only activity will not populate cleared spending totals.

Search And Filters

The search box can help find a transaction by merchant name, category, account name, or amount. Filters can narrow the table by:

• Category: the primary category assigned to the transaction.
• Account: the connected account or manual account where the transaction appears.
• Status: Cleared for posted transactions or Pending for unsettled activity.
• Type: Income for positive amounts or Spending for negative amounts.

Use Clear to reset the filters. If no rows match, broaden the search first before contacting support.

Pending Transactions

Pending transactions are visible so you can spot upcoming activity, but cleared totals do not include them. This helps avoid overstating spending or income while a card authorization, refund, tip adjustment, or bank correction is still settling.

Common reasons pending rows can look different later:

• the merchant name updates after settlement;
• the amount changes, such as a restaurant tip or gas-station hold;
• a pending authorization disappears instead of posting;
• a transaction posts on a different date;
• your bank or provider sends an updated category.

If a pending transaction looks wrong, wait for it to clear before relying on it for a final budget or cash-flow decision.

Manual Transactions

Use Add transaction when you want to track activity that is not available from a connected account. Manual transactions can be useful for cash purchases, older records, temporary planning, or users who are not using automated sync.

Each manual transaction needs:

• Transaction: a short name, up to 120 characters.
• Category: a category name, up to 80 characters.
• Date: a date in yyyy-MM-dd format when entering one manually.
• Amount: a non-zero amount with up to two decimal places.
• Note: optional context for your own planning, such as a receipt reminder or why you categorized the transaction a certain way.

Positive amounts count as income. Negative amounts count as spending. Dates cannot be in the future or more than 10 years old. A single amount cannot exceed $250,000.00.

Manual rows show a Manual label in the table. You can edit or remove manual transactions from the row actions. Synced Plaid transactions cannot be edited or deleted manually, but their category can be corrected.

Transaction Notes

Use transaction notes when you want a private planning reminder tied to a row. Notes can help you remember why a transaction was categorized, whether a receipt is stored elsewhere, or why an item should be reviewed during a Plan check-in.

Notes are for planning context only. They do not change the transaction amount, date, merchant, category rule, account balance, cash advance eligibility, or provider records.

Keep notes short and avoid sensitive details. Do not store passwords, one-time codes, bank account numbers, card numbers, Social Security numbers, payroll credentials, medical details, or full documents in transaction notes.

Importing Transactions

Use Import file in the Add transactions dialog when you want to upload multiple manual transactions. Supported files are .csv and comma-delimited .txt files up to 1 MB.

The header row must be:

Transaction,Category,Date,Amount

Import dates must use M/d/yyyy or yyyy/M/d style formats with a 4-digit year, such as 6/1/2026 or 2026/6/1. Amounts follow the same rule as manual entry: positive for income, negative for spending, up to two decimal places.

Before saving, Naverica shows an import preview with row count, income, expenses, net amount, and any new categories the import would create. Review the preview before selecting Import rows.

Current import limits:

• 100 data rows per import.
• 10 successful imports per day.
• 1,000 imported rows per day.
• 25,000 manual transactions per account before support review is needed.
• 100 active custom categories.

If the preview shows errors, fix the listed row, field, or duplicate issue in the file and preview the import again. Exact duplicate manual rows are blocked to reduce accidental double counting.

Categories And Category Changes

Categories support the Summary view, Budget categories, cash-flow review, and future insights. Provider categories are helpful starting points, but they can be imperfect.

Use the pencil action on a transaction row to change the primary category. After choosing a new category, Naverica asks how broadly to apply the change:

• This transaction only: changes only the selected row.
• Future matches: creates a rule for future matching merchant activity.
• Existing and future: updates matching existing rows and creates a rule for future matches.

Choose broader matching only when you are confident the merchant should usually use that category. For merchants that sell many kinds of items, such as large retailers or marketplaces, a one-time change may be safer.

Why Transactions May Look Missing Or Different

Transactions can appear incomplete, delayed, or changed for several normal reasons:

• the connected account is still syncing;
• the institution requires reconnecting;
• paid Core sync access is inactive or locked;
• the row is pending and has not settled yet;
• the institution has not sent older transaction history;
• the merchant name or category was updated after posting;
• manual filters are hiding the row;
• a manual import was previewed but not committed.

Start by clearing filters, checking the account connection status, and waiting for initial sync to finish. For connection-specific troubleshooting, see Connected accounts and sync help.

When To Contact Support

Contact in-app support if:

• a connected account keeps showing stale or missing transaction history after reconnecting;
• the same synced transaction appears more than once after sync settles;
• an import fails after you fix the listed row errors;
• you reached a manual transaction or category support limit;
• a category rule is repeatedly applying in a way you cannot correct.

Do not send bank credentials, account numbers, screenshots with private transaction details, full transaction exports, one-time codes, or identity documents by email. If support needs account-specific details, use the secure in-app support path.