Connecting banks & uploading statements

1. Live connection via Plaid

The easiest and most reliable way. Plaid is the industry-standard bank data aggregator used by Venmo, Robinhood, Coinbase, and most fintech apps. HaraPro never sees your bank login — Plaid handles authentication end-to-end.

To connect a live bank:

1. Open the entity dashboard and click Connect bank.
2. Choose your bank from the Plaid picker (or search).
3. Authenticate with your bank credentials (including MFA if your bank requires it).
4. Select which accounts to link — checking, savings, credit cards, loans.
5. Confirm. You'll return to HaraPro and transactions begin syncing within 60 seconds.

Plaid imports 2 years of history by default. Ongoing syncs run daily — new transactions typically appear in HaraPro 4 to 24 hours after posting at your bank.

2. Supported institutions

Plaid supports 12,000+ U.S. financial institutions. The most common:

Plaid's full list is available at plaid.com/institutions. If your bank isn't supported, use PDF statement upload (below).

3. Upload PDF statements

For banks not supported by Plaid, or for historical data older than 2 years, upload a PDF monthly statement directly.

Go to Banks → Upload statement. Drag in a PDF and HaraPro:

1. Detects the institution from the statement header (Chase, BofA, Wells Fargo, American Express, etc.)
2. Parses the statement period, opening/closing balance, and every transaction line
3. Deduplicates against existing transactions (if you also have a live Plaid connection)
4. Auto-stores the PDF in File Vault under the matching entity + statement period

Typical processing: 10–30 seconds per statement. Confidence scores are displayed per transaction — anything flagged as low-confidence goes into the Needs review queue.

4. Parsers we support

We maintain dedicated statement parsers for:

• Chase (checking, credit cards, Amazon card, Sapphire, Ink)
• Bank of America (checking, credit cards)
• Wells Fargo (checking, credit cards)
• American Express (personal + business cards)
• Capital One (checking, Venture, Quicksilver)
• Citi (checking, Double Cash, Costco card)
• US Bank, PNC, Truist, TD Bank (checking + cards)
• Fidelity, Schwab (brokerage and cash management)
• Mercury, Relay, Brex, Ramp (business banking)

For other institutions, we run a generic OCR pipeline that handles most PDF statement formats with 85%+ accuracy. Confidence is flagged per transaction so you know what to verify.

5. Statements in File Vault

Every uploaded statement is automatically stored in File Vault under the linked entity, with:

• Auto-detected document type ("Chase Sapphire statement — Oct 2025")
• Statement period metadata (start date, end date, institution)
• Full version history (if you re-upload a corrected statement, both are preserved)
• Link to the transactions parsed from that statement — so you can jump from transaction → statement PDF in one click

If you ever need to hand your CPA the original PDF at year-end, it's already there. More about File Vault →

6. Troubleshooting

Plaid "needs attention" — what does it mean?

Your bank's OAuth session expired (banks refresh these every 90 days). Open Banks → click the flagged connection → Reconnect. Takes 30 seconds and no data is lost.

Transactions missing after connection

Plaid sync can lag 4–24 hours. Check back the next day. If still missing after 48 hours, contact support@harapro.com with the entity name and bank.

Duplicate transactions appearing

Most common when you link via Plaid AND upload PDFs for overlapping periods. Use Transactions → Find duplicates to auto-detect and merge. HaraPro matches on amount, date (±1 day), and merchant string.

Wrong entity linked

Select the transactions → Move to entity. Bulk reassignment is supported. Your AI classification history stays attached to the transactions as they move.