📤 Connecting Banks & Uploading

What is Plaid?

Plaid is a secure financial data platform used by over 8,000 fintech apps including Venmo, Robinhood, and Coinbase. When you connect your bank through Plaid, your credentials are handled by Plaid directly — HaraPro never sees or stores your bank password.

How to connect

1. Go to the Upload tab
2. Click "Connect Bank"
3. Search for your bank by name
4. Enter your bank credentials in the Plaid window
5. Select which accounts to connect (checking, savings, credit cards)
6. Map each account to an entity

Once connected, transactions sync automatically every day.

Why mapping matters

When you connect a bank account, HaraPro needs to know which entity it belongs to. For example, your Chase business checking might belong to "HS Prime LLC" while your BofA credit card belongs to "VIP Company LLC."

How to map

1. After connecting via Plaid, you'll see a list of detected accounts
2. For each account, select the entity from the dropdown
3. Click "Save Mapping"

You can change mappings anytime from the Manage tab under "Connected Accounts."

Supported banks (auto-parse)

HaraPro can automatically detect and parse PDF statements from: Chase (CC and checking), Citi (AAdvantage CC and checking), Bank of America (CC and checking), HSBC (Elite and Premier Mastercard), Mercury (checking), Capital One (CC), and Priceline/Barclays (CC).

How to upload

1. Download your PDF statement from your bank's website
2. Go to the Upload tab
3. Drag and drop the file, or click to browse
4. HaraPro auto-detects the bank format and parses transactions
5. Parsed transactions appear in the Transactions tab as "Pending"

When to use CSV

Use CSV upload when your bank isn't supported for PDF auto-parsing, or when you want to import transactions from accounting software, spreadsheets, or other tools.

Supported CSV formats

HaraPro expects CSV files with at minimum: date, description, and amount columns. It auto-detects common formats from most banks.

How to upload

1. Export transactions from your bank as CSV
2. Go to the Upload tab and drop the file
3. HaraPro maps the columns automatically
4. Review the preview and confirm

Investment reports

HaraPro can parse Fidelity Year-End Investment Reports, extracting your portfolio positions, dividends, and capital gains into structured data for tax planning.

1099 tax statements

Upload your Fidelity 1099 PDF and HaraPro extracts dividend income, capital gains distributions, and interest income — automatically categorized for tax reporting.

1. Download your Fidelity report or 1099 from NetBenefits
2. Upload to HaraPro via the Upload tab
3. Data is parsed and linked to the appropriate entity

W-2 parsing

HaraPro can parse W-2 PDF documents, extracting wages, federal/state tax withholding, Social Security and Medicare taxes, and retirement contributions.

How to upload

1. Get your W-2 PDF from your employer or payroll provider
2. Upload to the Upload tab
3. HaraPro extracts all boxes (1-20) into structured data
4. W-2 data flows into your tax planning calculations automatically

How duplicate detection works

If you connect a bank via Plaid AND upload a PDF statement for the same account, HaraPro uses a three-layer dedup strategy:

1. Exact match: Each transaction has a unique source ID. If the same ID exists, it's skipped.
2. Fuzzy match: For cross-source duplicates, HaraPro looks for transactions with the same amount within ±2 days on the same account.
3. Account linking: If the account is already connected via Plaid, uploading a PDF for the same account triggers a warning.

Potential duplicates are flagged for your review — HaraPro never silently deletes or overwrites transactions.

PDF not parsing correctly

• Make sure the PDF is a native PDF (text-based), not a scanned image
• Password-protected PDFs must be unlocked before uploading
• If auto-detection fails, try uploading as CSV instead

Plaid connection failing

• Check that your bank credentials are correct
• Some banks require two-factor authentication — complete it in the Plaid window
• If your bank recently changed their login flow, try again in 24 hours
• A small number of banks may not support Plaid — use PDF/CSV upload instead

Transactions not appearing

• Plaid transactions may take up to 24 hours for the first sync
• Check the Upload tab for any error messages
• Make sure the account is mapped to an entity