Connect a bank

This guide walks you through creating an account and connecting it to your bank so Reconbanker can start reading transactions.

Before you start

You will need:

• The login username and password you use on your bank's website.
• A URL where Reconbanker can send results (your webhook). You can fill this in later, but you will want it before going live.

2FA: Reconbanker handles banks that ask for a second factor at every login through the account's Login mode setting. Pick simple for unattended logins, or assisted if a human needs to complete the second factor inside the bank's page. See Sessions for details.

Open the new account form

From the dashboard, click Accounts → Add Account.

Pick your bank

Choose your bank from the dropdown. If your bank is not in the list, contact support — new banks are enabled by the team.

Name the account

Give the account a short, recognizable name. It shows up on the dashboard, in logs, and in webhook deliveries.

Good examples:

• "Main UYU operating account"
• "ACME marketplace USD"
• "Client X - Itau"

Save and open the account

Click Save. The account appears in your account list. Click it to open the detail view.

Enter your bank credentials

1. Go to Settings.
2. Find the Bank credentials section.
3. Enter the username and password you use on your bank's website.
4. Save.

The password is encrypted before storage and only decrypted in memory when a scrape runs.

Pick the session and login mode

In the same Settings page, the Session tab has two choices:

• Session type — leave on one-shot unless your bank rate-limits frequent logins or you need near real-time detection. Pick persistent to keep the browser open and monitor continuously.
• Login mode — leave on simple if your bank lets Reconbanker log in unattended. Pick assisted if the bank asks for a second factor (SMS, push, captcha) at every login — Reconbanker will pause and wait for you to complete it inside the bank's page.

See Sessions for when each combination makes sense.

Configure the webhook

In the same Settings page:

1. Set the Webhook URL Reconbanker should call when there is something to deliver.
2. Pick an auth scheme (Bearer or Api-Key) and paste the token your server expects.
3. Save.

More on this in Webhook settings.

Confirm the operation mode

Operation mode (reconcile vs passthrough) is a user-level setting, not per account — it applies to every account you own. If you have not picked one yet, do it once in your user settings. See Operation modes.

Test the connection

You do not have to wait for the next scheduled scrape.

1. From the account detail view, click Run scrape now.
2. Wait a minute or two. Reconbanker will log in, read recent transactions, and list them in the dashboard.
3. If the run fails with "login error", recheck the credentials.

After a few fatal failures (bad credentials, the bank reporting the account is locked), Reconbanker stops trying and marks the account as blocked to avoid triggering a real bank lockout. The account will show a "needs attention" badge in the dashboard. Fix the underlying issue and press Run scrape now to clear the block and resume scraping. See Sessions for the details.

What happens next

• In reconcile mode, set up the endpoint that returns your pending payments. See Ingest payments.
• In passthrough mode, you are done: the next scrape will start forwarding transactions to your webhook.