Stop Typing Transactions.
Start Living Your Life.
Manual transaction entry can make budgeting feel like a chore. Optionally connect your accounts through Plaid for automatic syncing, giving you visibility into your finances with bank-grade security.
How Bank Syncing Works
Connect your bank account to your budgeting app in three simple steps
Choose Your Institution
Search from 11,000+ supported U.S. banks and credit unions through our trusted third-party provider, Plaid.
Connect Securely via Plaid
Log in through Plaid's secure portal. Your credentials go directly to Plaid and are not stored by CareerPhases.
Review Inside CareerPhases
Your transactions sync automatically with read-only access. Review, categorize, and track your spending in one place.
Two Ways to Track Finances. One Is Easier.
Manual entry can be time-consuming. Automation helps simplify the process.
Manual Tracking Challenges
- ×Spending significant time each week typing transactions from multiple accounts
- ×Falling behind because manual entry requires ongoing effort
- ×Potentially missing duplicate charges when there is limited time to review
- ×Categorization errors from manual data entry
- ×Difficulty maintaining consistency over time
The "Automatic" Freedom
- ✓Connect accounts once via Plaid and transactions sync automatically
- ✓Automatic categorization that improves as you review transactions
- ✓Helps surface unusual charges and potential duplicates
- ✓Designed to reduce the time you spend on manual tracking
- ✓Read-only access with industry-standard encryption via Plaid
Connect Everything. See Everything.
Checking, savings, credit cards, PayPal, Venmo:one unified financial dashboard
Checking & Savings Auto-Sync
Connect your primary checking and savings accounts. Transactions sync with automatic categorization. See balances, spending patterns, and cash flow projections in one place.
- Balance tracking across connected accounts
- Automatic categorization that improves over time
- Cash flow projections based on spending patterns
- Low balance alerts to support awareness
Uses the Same Plaid Infrastructure Trusted by Leading Financial Apps
CareerPhases uses Plaid for bank connections, a widely adopted infrastructure in financial technology. Your credentials are encrypted end-to-end and not stored in plain text.
- ✓Read-only access
- ✓End-to-end encryption
- ✓SOC 2 Type II aligned
- ✓No plain-text credential storage
- ✓Read-only access (typical)
- ✓Encryption standards vary by provider
- ~Security certifications vary
- •Requires manual file downloads
- •Files stored on local computer
- •Time-intensive process
Clear, Read-Only Access
Understand exactly what CareerPhases can and cannot do with your bank connection
What CareerPhases Can Do
- ✓Import balances and transactions using read-only bank access
- ✓Categorize spending and surface trends automatically
- ✓Support budgeting, goals, and income tracking features
- ✓Explain changes and patterns using CareerPhases AI Coach
- ✓Alert you to potential duplicate or unusual charges
What CareerPhases Cannot Do
- ×Move money, transfer funds, or make purchases on your behalf
- ×See or store your bank login credentials directly
- ×Change your bank account settings or preferences
- ×Contact your bank or financial institution on your behalf
- ×Provide financial, tax, legal, or investment advice
You stay in control. Bank connections are optional. You can disconnect your accounts at any time from your CareerPhases settings. We only request the data needed to support budgeting and tracking features.
Automation That Actually Works
Everything you need for effortless financial tracking
One-Time Setup
Connect accounts once via Plaid. Transactions sync automatically, designed to minimize manual tracking effort.
AI Auto-Categorization
Automatic categorization that improves as you review transactions. The system learns from your corrections over time.
Bank-Grade Security
Read-only Plaid access. Supabase Vault encryption. SOC 2 Type II aligned. Industry-standard security practices.
Unusual Activity Alerts
Helps surface suspicious charges, potential duplicates, and unusual activity for your review.
Subscription Tracking
Automatic detection of recurring charges. Get alerts for subscriptions you haven't used in 90+ days.
Daily Auto-Sync
Transactions sync automatically for ongoing visibility into your finances.
AI Categorizes. You Review. Done.
Automatic categorization that improves as you review transactions. Correct once, and the system learns from your preferences over time.
- Common categories like groceries, restaurants, rent, and utilities are auto-detected
- The system learns from your corrections to improve categorization over time
- Periodic review helps maintain accuracy with reduced manual effort
All Your Accounts. One Dashboard.
Connect checking, savings, credit cards, PayPal, Venmo:see everything in one place. Real-time balances, spending trends, and cash flow projections.
- 11,000+ supported institutions: Chase, Bank of America, Wells Fargo, and more
- Real-time balance tracking:know your total net worth at a glance
- Cash flow projections based on spending patterns and income trends
Common Questions About Bank Connections
Is Plaid safe? Here are answers to frequently asked questions.
Is this connection read-only?
Yes. CareerPhases uses read-only access through Plaid. We can view your transactions and balances, but we cannot move money, make purchases, or modify your accounts in any way.
Do you store my bank login?
No. Your bank credentials are entered directly into Plaid's secure portal. CareerPhases does not see or store your username or password.
What happens if I disconnect my account?
You can disconnect your bank at any time from your account settings. After disconnecting, new transactions will no longer sync. Previously imported data may remain unless you request deletion.
What banks are supported?
Plaid supports over 11,000 U.S. financial institutions, including major banks like Chase, Bank of America, Wells Fargo, and most credit unions.
Why do some transactions need review?
Automatic transaction categorization improves over time but may not recognize every merchant. Reviewing and correcting categories helps the system learn your preferences.
Is this financial advice?
No. CareerPhases provides educational tools and planning support. It does not provide financial, tax, legal, or investment advice. Consult a professional for personalized guidance.
What Users Are Saying
Individual experiences may vary
"I used to spend a lot of time on manual entry. After connecting my accounts through CareerPhases, my tracking workflow became much simpler. The automatic syncing has been a big help for me."
"The duplicate detection feature helped me notice a charge I had overlooked. I also found some subscriptions I had forgotten about. Having better visibility into my spending has been valuable."
"As someone who works in cybersecurity, I researched how CareerPhases handles bank connections through Plaid. I was comfortable with the read-only access and encryption approach before connecting."
Connect Your Accounts When You're Ready
Bank connection is optional and uses read-only access through Plaid. You stay in control of your data and can disconnect at any time.
CareerPhases provides educational tools and AI-assisted planning support. It does not provide financial, tax, legal, or investment advice. CareerPhases does not guarantee income or employment outcomes. CareerPhases AI Coach can make mistakes. Bank connections are optional and read-only. Verify important information and consider professional guidance for major decisions.