Plaid is the U.S. market leader for bank connectivity and is used by major financial apps including Venmo, Chime, and Robinhood. Plaid holds SOC 2 Type II and ISO 27001 certifications, encrypts data in transit and at rest, and never stores credentials for OAuth-connected banks. For more detail, see Plaid's safety and security overview at plaid.com/trust-safety.

What can Fynso see in my bank account?

Daily balances and transaction history for the accounts you choose to connect. Fynso uses this to compute your live cash position, identify recurring payments, and feed the daily forecast. Fynso never sees your banking credentials and never has the ability to initiate payments, transfers, or any other action on your account.

Which banks does Plaid support?

Plaid supports more than 12,000 U.S. financial institutions, including every major national bank, most regional banks, and most credit unions. Coverage and authentication method (OAuth vs credentials) varies by institution. If your bank isn't supported, you'll see that during the search step of Plaid Link.

Can Fynso move money or initiate transactions?

No. The Plaid connection Fynso uses is for reading balances and transactions. It does not include payment initiation, transfers, or any write capability against your bank account. If you ever see a service requesting payment initiation, that's a separate Plaid product with separate authorization.

What if I want to disconnect?

You can revoke the connection from Fynso's settings or directly through Plaid's portal at my.plaid.com. Disconnecting stops all data sync immediately. Your historical data within Fynso stays available unless you delete the workspace; the live sync just stops pulling new data.

Bank feed

Fynso + Plaid: Live Bank Data Behind Every Cash Decision

Fynso connects to your bank through Plaid Link — the same connection layer used by Venmo, Chime, and most modern financial apps. The connection is read-only: Fynso receives current balances and transaction history, never your banking credentials. Plaid supports 12,000+ U.S. financial institutions and is SOC 2 Type II and ISO 27001 certified. Setup takes about two minutes. Live bank data is what makes Fynso's daily forecast accurate.

Read-only — Fynso reads partner data

What this integration unlocks

Live cash position
Updated balances across every connected account, refreshed daily. The bank balance shown in Fynso matches what your bank is showing you.
Daily cash forecast
30/60/90-day forecast built from current balances, your accounting data, and recurring patterns in transactions. Refreshes every day.
Anomaly detection
Unexpected debits, missed deposits, and unusual transaction patterns get flagged in the daily brief — sometimes before they show up anywhere else.
Reconciliation against QuickBooks
Live bank data cross-checks your accounting records, surfacing categorization gaps, missing entries, and timing mismatches during monthly close.
Recurring pattern detection
Fynso identifies recurring payroll, subscriptions, rent, and other fixed costs from your transaction history. They feed the forecast automatically.
Multi-account support
Connect operating accounts, reserves, and credit cards. The forecast aggregates across all of them for a true cash position view.

How to connect Plaid

Step 1
Open Fynso settings and choose Bank accounts
From the Fynso app, go to Settings → Connections → Bank accounts → Add bank. Plaid Link opens directly inside Fynso — no separate window or redirect to Plaid's site.
Step 2
Search for your bank
Plaid supports 12,000+ U.S. financial institutions. Search by name; if your bank has multiple sign-in portals (consumer, business, treasury), pick the one you actually use.
Step 3
Sign in to your bank through Plaid
Authentication happens on your bank's own page when supported. Many major banks use OAuth, so you'll log in to your bank directly and approve Plaid; others use a credential pass-through model that Plaid encrypts. Either way, Fynso never sees your username or password.
Step 4
Approve read-only access
Plaid shows you exactly what data Fynso will receive: balances and transactions for the accounts you choose. Nothing more. Approve, and the connection completes.
Step 5
Select the accounts to monitor
If your bank has multiple accounts (checking, savings, credit cards), select the ones Fynso should monitor. You can add or remove accounts later from Fynso settings.

Security & privacy

Plaid is the bank-connection layer used by major financial apps including Venmo, Chime, and Robinhood. Plaid is SOC 2 Type II and ISO 27001 certified, encrypts data in transit (TLS) and at rest (AES-256), and is the U.S. market leader for bank connectivity. For banks that support OAuth, your credentials never touch Plaid's systems — authentication happens at your bank. For credential-based connections, Plaid encrypts and stores credentials securely with separation from connected applications. Fynso receives an access token via Plaid; we never see or store your banking credentials. You can revoke the connection from Plaid or from Fynso at any time.

TL;DR

Fynso connects to your bank through Plaid Link — the same connection layer used by Venmo, Chime, and most modern financial apps.
The connection is read-only. Fynso receives current balances and transaction history; never your banking credentials.
Plaid supports 12,000+ U.S. financial institutions and holds SOC 2 Type II and ISO 27001 certifications (plaid.com/trust-safety).
Live bank data is what makes Fynso’s daily forecast accurate — your bank balance, refreshed every day, cross-checked against your accounting records.
Setup takes about two minutes. You can disconnect at any time.

Why connect your bank?

Because your bank balance is the only number that’s actually true.

QuickBooks records what should have happened. Your bank statement records what did. Most of the time those match. When they don’t, the bank wins — and you only find out at month-end when reconciliation surfaces the gap.

Connecting your bank to Fynso gives you the truth on both sides of the equation. Your accounting data (from QuickBooks or Xero) provides the structure: customers, vendors, categorization. Your bank data provides the reality: what’s actually cleared, what’s still pending, what unexpected things hit overnight. The combination is what makes a daily cash forecast trustworthy.

The cost of running without it is well-documented. The Bluevine Cash Flow Survey 2025 found that 51% of small business owners would tap emergency funds within 48 hours to meet payroll. The OnDeck Q1 2026 report shows cash flow has surpassed inflation as the top concern for small business owners. A live bank connection is the foundation of any forecast that actually catches problems early.

What does this integration unlock?

Once your bank is connected, six things start happening automatically:

Live cash position. Your real bank balance, refreshed daily across every connected account.
Daily forecast. 30/60/90-day projection built from current balances plus your accounting data plus recurring patterns.
Anomaly detection. Unexpected debits, missed deposits, and unusual transactions flagged in the daily brief — sometimes before they show up anywhere else.
Reconciliation support. Bank activity cross-checks your accounting records, surfacing categorization gaps and timing mismatches during monthly close.
Recurring pattern detection. Fynso identifies recurring payroll, subscriptions, rent, and other fixed costs automatically from your transaction history.
Multi-account view. Operating, reserves, credit cards — connect all of them. The forecast aggregates for a true position view.

How to connect your bank

Five steps. About two minutes start to finish.

Open Fynso settings → Connections → Bank accounts → Add bank. Plaid Link opens directly inside Fynso.
Search for your bank. Plaid supports 12,000+ U.S. institutions. If your bank has multiple portals (consumer, business, treasury), pick the one you use.
Sign in through Plaid. For banks with OAuth, you’ll authenticate on your bank’s own page. For credential-based banks, Plaid encrypts and stores credentials with separation from connected apps. Fynso never sees them either way.
Approve read-only access. Plaid shows you exactly what data Fynso will receive: balances and transactions for the accounts you choose. Nothing else.
Select the accounts to monitor. Operating, reserves, credit cards. You can adjust later from settings.

Security and privacy

Plaid is the largest bank-connection provider in the U.S. and is used by major financial apps including Venmo, Chime, and Robinhood. A few specifics (plaid.com/trust-safety, Plaid compliance audits):

SOC 2 Type II and ISO 27001 certified. Plaid undergoes regular third-party audits of its security controls.
Encryption in transit and at rest. Data is encrypted via TLS in transit and AES-256 at rest.
OAuth-first connections where supported. For banks that support OAuth (most major national banks), credentials never touch Plaid’s systems. For credential-based connections, Plaid encrypts and stores credentials with strict separation from connected apps like Fynso.
Fynso never sees your banking credentials. Plaid handles authentication; Fynso receives a revocable access token.
Read-only by design. The Plaid connection Fynso uses is for reading balances and transactions. It does not include payment initiation, transfers, or any other write capability against your bank account.
Revocable any time. You can disconnect from Fynso’s settings or directly through Plaid’s portal at my.plaid.com.

What this integration does not do

It can’t move money. The connection is read-focused. Initiating payments, transfers, or anything else against your bank account is not part of what Fynso uses Plaid for.
It can’t replace your bank. Fynso reads from your bank; your bank stays your bank.
It doesn’t bypass your bank’s authentication. Plaid uses your bank’s existing security model — including OAuth, two-factor, and credential checks where required.

How to Read Your Bank Balance Like a CFO — the three numbers a CFO computes from the bank balance.
Cash Flow vs. Profit — why a live bank connection matters more than the P&L for survival.
Cash Runway for Small Business Owners — the forward-looking number a connected bank makes possible.
The Payroll Pressure Timeline — what live bank data catches three weeks before payroll Friday.

Connect your bank in two minutes. Start a 14-day free trial — Plaid Link opens inside Fynso, no separate site to visit, no credentials shared with us. Read-only by design.

Frequently asked questions

Is Plaid safe?: Plaid is the U.S. market leader for bank connectivity and is used by major financial apps including Venmo, Chime, and Robinhood. Plaid holds SOC 2 Type II and ISO 27001 certifications, encrypts data in transit and at rest, and never stores credentials for OAuth-connected banks. For more detail, see Plaid's safety and security overview at plaid.com/trust-safety.
What can Fynso see in my bank account?: Daily balances and transaction history for the accounts you choose to connect. Fynso uses this to compute your live cash position, identify recurring payments, and feed the daily forecast. Fynso never sees your banking credentials and never has the ability to initiate payments, transfers, or any other action on your account.
Which banks does Plaid support?: Plaid supports more than 12,000 U.S. financial institutions, including every major national bank, most regional banks, and most credit unions. Coverage and authentication method (OAuth vs credentials) varies by institution. If your bank isn't supported, you'll see that during the search step of Plaid Link.
Can Fynso move money or initiate transactions?: No. The Plaid connection Fynso uses is for reading balances and transactions. It does not include payment initiation, transfers, or any write capability against your bank account. If you ever see a service requesting payment initiation, that's a separate Plaid product with separate authorization.
What if I want to disconnect?: You can revoke the connection from Fynso's settings or directly through Plaid's portal at my.plaid.com. Disconnecting stops all data sync immediately. Your historical data within Fynso stays available unless you delete the workspace; the live sync just stops pulling new data.

Connect your bank in Fynso