Connect bank accounts

Bank accounts bring in the bank records you reconcile. Connect them through Plaid, or import bank records from CSV files. Credit cards work the same way and become liability accounts in your chart of accounts.

All steps start on the Bank Reconciliation page. Teams that send payments from VRTrust see it as Banking.

Add an account through Plaid

1. Click Add account, search for your bank and log in.
2. Select the accounts to connect.
3. For each account, fill in:
   • Account name: the name VRTrust shows.
   • Is this a trust account?: yes for the account that holds guest funds.
   • Bank feed start date: usually your go-live date.
   • Balance: the end-of-day balance your bank shows for the day before the start date. VRTrust records it as the opening bank balance.
4. Click Submit. Each account appears as a card.

If your bank is not in Plaid, choose Import bank records with CSV and fill in the same fields, plus the account type, the last four digits and the currency. VRTrust uses the last four digits to send Stripe and Airbnb deposits to the right account. See Import bank records.

Read the account card

The card shows the bank balance as of today, the number of unmatched bank records, and a button to reconcile them. The menu on the card holds Edit, Manage Connection, Archive, Delete and the CSV import.

Once a bank record of the account is matched, you cannot change the account type, the last four digits, the currency or the trust setting. Undo every match first.

Check feed health

Each Plaid feed shows its health on the reconciliation page:

Status	Meaning
Healthy	Bank records came in within the last 48 hours and nothing is known to be wrong.
Needs attention	A warning, such as a failed sync you can retry or bank consent about to expire. Records may still arrive.
Action required	The login needs to be renewed or consent expired. The feed stops until you fix it.
Status unavailable	VRTrust has no recent result yet, which is normal right after a reconnect.

The details offer the fix that applies: renew consent, or retry the sync. Reconnect appears only when the bank login must be renewed. Healthy does not mean every transaction has arrived or the account is reconciled.

Pause, resume or reconnect

Open the card menu and select Manage Connection:

• Pause Bank Sync stops new bank records and keeps the connection.
• Enable Bank Sync starts it again.
• Reconnect renews the login of an expired connection.

Never add a new account to fix a broken feed

A red mark, a “login required” message or a “source account was deleted” message means the Plaid connection needs a refresh. The account itself is fine. Stop at the first step that brings records back:

1. Go to Connections, filter for Plaid and click Fetch.
2. On the account card, open the menu and select Manage Connection > Reconnect.
3. Contact support. Our team restores the feed on the same account.

A second account for the same bank breaks reconciliation. The default payout bank account still points at the old account, so deposits post to the old ledger while the bank records land on the new one, and the two never match. If you already added a second account, delete nothing and contact support.

Archive or delete

Archive removes the account from bank reconciliation. You can still record deposits, expenses and transfers on it, and its ledger account and transactions stay. To bring it back, filter by Archived, open the card menu and select Enable.

Delete removes the account for good. It works only when no deposit, expense, transfer or payout is recorded on the account’s ledger account. Bank records, matched or not, do not block it. When a PMS posted deposits to the wrong account, move those deposits to the right account first.