Overview

The Cards & Accounts settings page is where you manage your bank and credit card connections in inBuild. Each connection is established through Plaid, a secure third-party service that handles bank authentication. Once connected, inBuild can pull in transaction data from your accounts automatically.

The page also provides quick links at the top to View Transactions (opens the Transactions page) and All Cards (opens the Cards page).

Connecting a New Bank Account

To pull transaction data into inBuild, you first need to connect your bank or credit card issuer through Plaid. Plaid handles the secure authentication with your financial institution so that inBuild never stores your bank login credentials directly.

1. Navigate to Settings → Cards & Accounts.

2. Click the Connect Account button in the bottom-right corner of the page.

3. A secure Plaid dialog will appear as an overlay. Select your bank or card issuer from the list.

4. Enter your bank login credentials in the Plaid dialog and complete any additional verification steps your bank requires.

5. Once authentication succeeds, the dialog closes and your new connection appears on the page as a bank connection card.

Managing Bank Connection Cards

Each bank or card issuer you connect appears as a separate card on the Cards & Accounts page. You can expand a card to see and manage the accounts within it.

Expanding a Connection

1. Click on the connection card header or the chevron icon to expand it.

2. The card expands to reveal the primary account and any sub-accounts configured under this connection.

3. Click the header or chevron again to collapse the card.

The card title displays either the custom name you have set for the primary account, or the institution name provided by Plaid if no custom name has been entered.

Connection Status: Login Required

If your bank requires you to re-authenticate (for example, after a password change or a security update), the connection card will display a yellow warning icon and the text Login Required.

1. Locate the connection card showing the yellow warning icon and Login Required label.

2. Click the dropdown menu on the connection card.

3. Select Login (shown in yellow text).

4. The Plaid dialog opens in update mode. Re-enter your bank credentials and complete any verification steps.

5. Once authentication succeeds, the dialog closes and the warning indicator disappears. The connection resumes syncing normally.

Deleting a Connection

1. Click the dropdown menu on the connection card you want to remove.

2. Select Delete Connection (shown in red text).

3. A confirmation dialog will appear asking: "Are you sure you want to delete this bank connection?"

4. Click OK to confirm the deletion.

Managing Accounts

Each connection has a primary account that is created automatically when you connect. You can edit the primary account's name, assign cardholders, and enable notifications. If your connection has multiple cards or sub-accounts (for example, individual employee cards under a corporate account), you can enable sub-accounts to manage them separately.

Editing the Primary Account

1. Expand the connection card to reveal the account list.

2. Click the pencil icon (edit button) on the primary account row. The Edit Account modal opens.

3. Enter or update the account Name. This display name is used throughout inBuild to identify this account.

4. Check or uncheck Has Sub Accounts depending on whether you need to create sub-accounts under this connection (see below for details).

5. If Has Sub Accounts is unchecked, use the Cardholders multi-select to assign one or more users to this account.

6. Click Save to apply your changes.

The "Has Sub Accounts" Setting

The Has Sub Accounts checkbox is available only in the primary account's modal. It controls whether you can create and manage sub-accounts under this connection.

Managing Sub-Accounts

Sub-accounts let you break a single bank connection into multiple named accounts, each with its own cardholders and notification settings. This is useful when a single corporate card account has multiple individual cards issued to different employees.

Enabling Sub-Accounts

1. Expand the connection card and click the pencil icon on the primary account row.

2. In the Edit Account modal, check the Has Sub Accounts checkbox.

3. Click Save.

4. The Add Sub Account button now appears at the bottom of the expanded connection card.

Adding a Sub-Account

1. Expand the connection card.

2. Click the Add Sub Account button at the bottom of the account list.

3. In the Add Sub Account modal, enter a Name for the sub-account (for example, the cardholder's name or card description).

4. Use the Cardholders multi-select to assign one or more users to this sub-account.

5. Click Save. The new sub-account appears in the expanded connection card.

Editing a Sub-Account

1. Expand the connection card to reveal the sub-account list.

2. Click the pencil icon on the sub-account row you want to edit. The Edit Sub Account modal opens.

3. Update the Name or Cardholders as needed.

4. Click Save to apply your changes.

Deleting a Sub-Account

1. Expand the connection card to reveal the sub-account list.

2. Click the trash icon on the sub-account row you want to remove.

3. A confirmation dialog will appear asking: "Are you sure you want to delete this payment method?"

4. Click OK to confirm the deletion.

Assigning Cardholders

Cardholder assignments control which users are associated with an account's transactions. Assigned cardholders also receive missing receipt notification emails when that feature is enabled.

You can assign cardholders in two ways:

• Inline: Use the cardholder dropdown directly on the account or sub-account row. Changes save automatically when you make a selection.

• In the modal: Use the Cardholders multi-select when adding or editing an account or sub-account, then click Save.

Missing Receipt Notifications

Each account and sub-account has a notification toggle (bell icon) that controls whether assigned cardholders receive daily email reminders about transactions that are missing receipts.

Enabling Notifications

1. Expand the connection card to reveal the account list.

2. Locate the account or sub-account you want to enable notifications for.

3. Toggle the bell icon switch to the on position. The change saves automatically.

How Notifications Work

When enabled, inBuild runs a daily check at 9:00 AM. For each account with notifications turned on, inBuild identifies cardholders who have non-archived transactions missing a linked receipt. Those cardholders receive an email listing the number of transactions that need receipts attached.

Frequently Asked Questions