> For the complete documentation index, see [llms.txt](https://now-8.gitbook.io/now.-features/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://now-8.gitbook.io/now.-features/banking/transactions.md). # Transactions **Transactions** are the heart of now. Every time money moves in or out of your bank accounts, it shows up here. Your job is to make sure each one is categorized correctly — and the AI in now. handles most of that for you. #### The Transactions Screen At the top of the screen, your connected bank accounts appear as swipeable cards. Tap a card to filter transactions for that specific account, or view all accounts at once. Below the cards, two filter buttons let you switch between: * **Needs Review** — Transactions that haven't been categorized yet. * **Categorized** — Transactions that have been assigned to an account category. When viewing **Categorized**, a time period filter lets you narrow the list to Today, This Week, This Month, This Year, or All Time. The time filter is not available on **Needs Review** — those always show every uncategorized transaction. **Pull to Refresh** Pull down on the transaction list to sync with your bank and pull in new transactions. If you have a specific bank card selected, the sync runs for that account. After syncing, AI categorization runs automatically on any new transactions. #### Needs Review vs. Categorized Every transaction starts in **Needs Review** when it arrives from your bank. Once you assign it to a category (or the AI does), it moves to **Categorized**. * **Needs Review** = uncategorized, waiting for your attention * **Categorized** = processed and recorded in your books A transaction must be categorized before it affects your financial reports. #### Manual Categorization To categorize a transaction yourself: 1. Tap a transaction in the **Needs Review** list. 2. Assign a **payee** — a vendor (for expenses) or customer (for income). You can create a new one inline if you don't see them in the list. 3. Assign an **account category** from your Chart of Accounts. 4. The transaction moves to **Categorized** automatically. **Rules** * **Expenses** (money going out) are assigned to a vendor. * **Income** (money coming in) is assigned to a customer. * You cannot assign the same account as the transaction's source bank account. * Certain system accounts — Accounts Receivable, Accounts Payable, Opening Balance Equity, and Retained Earnings — cannot be used as transaction categories. **Smart Apply** When you manually categorize a transaction, now. looks for other transactions in **Needs Review** with the same vendor or description. If it finds matches that haven't been touched yet, it offers to apply the same categorization across all of them, saving you from repeating yourself. #### Recategorizing Made a mistake? Open any categorized transaction and change the payee or account. now. reverses the original journal entry and posts the new one automatically. #### Transaction Detail Tap any transaction to open its detail sheet. You'll see: * **Status** — Needs Review or Categorized * **Date** — The transaction date * **Payee** — The vendor or customer * **Account** — The category from your Chart of Accounts (or "Split" if split across multiple) * **Raw Description** — The original bank description * **Source Bank** — Which account this transaction came from Depending on the transaction's state, you may see actions for **Split**, **Match** (to a bill or invoice), or **Transfer**. #### Splitting Transactions Sometimes a single transaction covers multiple categories. For example, a $200 purchase might be $150 office supplies and $50 shipping. **How to Split** 1. Tap a transaction and select **Split**. 2. Add lines — each with an account category and an amount. 3. The total of all lines must equal the original transaction amount exactly. 4. Tap **Save** when balanced. **Rules** * Every line needs an account and an amount greater than $0. * Split transactions display "Split" as their account name in the list. * If a transaction is matched to a bill or invoice, the split view is read-only — you can see the breakdown but can't edit it. * Transactions in a closed period show a warning before saving. #### Matching to Invoices and Bills When a payment comes in for an invoice you've created, or you pay a bill you've logged, you can match the bank transaction to that invoice or bill. * **Income transactions** can be matched to unpaid or partially paid invoices. * **Expense transactions** can be matched to unpaid or partially paid bills. After matching, the transaction's category is controlled by the invoice or bill — you can't change it with the account picker. The payee is set to the customer or vendor automatically. You can **unmatch** at any time to reverse the connection. See Bills and Invoices for the full payment flow. #### Attachments You can attach photos and receipts to any transaction: * Tap a transaction to open its detail. * Scroll to the **Attachments** section. * Tap **Add Attachments** to select photos from your library. * Delete an attachment by tapping the **x** on its thumbnail and confirming. #### Manual Transactions (CSV Import) For accounts that aren't connected to Plaid, you can import a CSV from **Settings → tap a bank card → Import Transactions**. Map your CSV columns to date, description, and amount; now. brings them in as standard transactions you can categorize like any other. #### Deleting Transactions Swipe left on a transaction in the list, or use the action inside its detail, to delete it. **When Deletion Is Blocked** A transaction **cannot be deleted** if any of the following are true: * It is matched to an invoice or bill. Unmatch it first. * It is part of a transfer. Undo the transfer first. * It has been reconciled. Undo the reconciliation first. **Closed Period Warning** If a transaction falls within a closed period, you'll see a warning before deletion. You can choose to proceed or cancel. Deleting a transaction also removes its journal entry. #### Credit Card Transactions For credit card accounts, amounts are displayed in the way credit-card statements typically show them: * **Charges** (purchases) appear as positive amounts. * **Payments** (money paid to the card) appear as negative amounts. #### Important Rules * Categorizing a transaction creates a journal entry behind the scenes. For an expense, it debits the expense account and credits your bank. For income, it debits your bank and credits the income account. * Every transaction can only be one type: expense, income, transfer, invoice payment, or bill payment. * Editing a transaction in a closed period shows a warning. You can override, and the change is tracked as a Prior Period Adjustment. #### Related * AI Auto-Categorization * Transfers * Bills * Invoices * Reconcile --- # Agent Instructions This documentation is published with GitBook. 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