Bank Feeds

Bank feeds automatically import transactions from your bank into NP Ledger — no file downloads or manual uploads required. Instead of exporting a statement and uploading it each time, your bank sends new transactions directly.

Manual imports work, but they require you to log into your bank, download a file, and upload it to NP Ledger every time you want to reconcile. Bank feeds eliminate those steps. New transactions appear automatically, so your books stay closer to real-time and reconciliation is faster.

NP Ledger supports bank feeds for two providers:

• Mercury (direct API connection) — for Mercury banking customers
• Teller (secure bank connection) — for traditional US banks including Chase, Bank of America, Wells Fargo, Capital One, Citi, USAA, and thousands of credit unions

Both providers sync transactions daily at no additional cost.

• Set up the bank account in NP Ledger first. See Adding Your Bank Accounts. The bank feed needs to know which account to import into.
• For Mercury: Have your Mercury API key ready. In Mercury, go to Settings > Developers > API Keys and create or copy your key. The API key is read-only — it cannot move money.
• For Teller: No preparation needed. You'll authenticate directly with your bank through a secure popup window.

Connecting your Mercury account

1. Go to Bank & Cash (in the sidebar).
2. Click the gear icon or "Feed Settings" next to the Mercury bank account you want to connect.
3. Enter your Mercury API key in the connection form.
4. Click "Connect & Select Account." NP Ledger validates the key and shows your Mercury accounts.
5. Select the Mercury account that corresponds to this bank account in NP Ledger.
6. Click "Connect Account." Your API key is encrypted and stored securely.

That's it — you're connected. NP Ledger will now check for new transactions daily.

Connecting a traditional bank via Teller

1. Go to Bank & Cash (in the sidebar).
2. Start a reconciliation for the bank account you want to connect, or go to Feed Settings via the gear icon.
3. Choose "Teller Bank Feed" from the import sources list.
4. Click "Connect Bank." A secure popup window opens where you'll log in directly with your bank.
5. Authenticate with your bank using your online banking credentials. This happens in Teller's secure widget — NP Ledger never sees your bank login.
6. Select the bank account that corresponds to this NP Ledger bank account.
7. Confirm the connection. Your access token is encrypted and stored securely.

Teller supports approximately 5,000 US institutions. If your bank isn't listed, you can still use manual CSV/OFX import.

How automatic sync works

• Daily sync: NP Ledger checks all connected bank feeds once a day (at 6:00 AM UTC) for new transactions.
• New transactions are imported and appear in your reconciliation workflow as unmatched items.
• The dashboard shows a "Bank Transactions" indicator when new unmatched transactions are available, with a count per bank account. This includes transactions from both Mercury and Teller.
• Duplicates are automatically detected. If a transaction was already imported (via bank feed or manual import), it won't be imported again — even across different import methods.

Reviewing synced transactions

1. Check the dashboard for a bank transactions badge showing new items.
2. Click "Review" to go to the reconciliation page for that bank account.
3. Match or create transactions as you normally would during reconciliation.

Synced transactions work exactly like manually imported ones — you review, match, and reconcile in the same workflow.

Managing your connection

From the Bank Feed Settings page (gear icon on any bank account):

• View connection status: See whether Mercury or Teller is connected, when it last synced, and the connected account ID.
• Sync Now: Click "Sync Now" to fetch new transactions immediately instead of waiting for the daily sync.
• Update your API key (Mercury): If you rotate your Mercury API key, expand "Update API Key," enter the new key, and save.
• Disconnect: Click "Disconnect" to remove the stored credential. Existing imported transactions are not affected.

Re-authenticating your Teller connection

Banks periodically require you to re-authenticate your connection. When this happens:

1. NP Ledger detects the expiration (either through a failed sync or a notification from Teller).
2. The Bank Feed Settings page shows a "Needs Re-auth" warning with a yellow badge.
3. Click "Re-authenticate" to open the Teller Connect popup again.
4. Log in with your bank to refresh your credentials.
5. The connection resumes — daily syncs continue automatically.

This is a normal part of bank security. Most banks require re-authentication every few weeks to few months.

What happens if your connection becomes invalid

Mercury: If Mercury rejects your API key (for example, if you revoked it), NP Ledger automatically deactivates the connection. Enter a new API key in Bank Feed Settings to reconnect.

Teller: If your bank expires the connection, NP Ledger marks it as "Needs Re-auth." Click "Re-authenticate" in Bank Feed Settings to reconnect. No data is lost — syncs resume from where they left off.

In both cases: - The dashboard shows a warning that the bank feed needs attention. - No further syncs will be attempted until you reconnect.

• The Bank Feed Settings page shows "Connected" with a green badge after setup
• The "Last synced" date updates after each successful sync
• New transactions appear in your reconciliation workflow
• The dashboard badge shows the correct count of unmatched transactions

• Connecting the wrong bank account. If you have multiple bank accounts, make sure you select the one that matches the NP Ledger bank account you're configuring. Transactions imported to the wrong account require manual correction.
• Forgetting to reconcile after sync. Bank feeds bring transactions in automatically, but you still need to reconcile — match the imported transactions to your books and verify the balance.
• Revoking credentials without updating NP Ledger. If you rotate your Mercury API key or revoke bank access for Teller, update or re-authenticate in Bank Feed Settings. Otherwise, the connection will be deactivated.
• Expecting instant sync. The daily sync runs once at 6:00 AM UTC. If you need transactions right now, use "Sync Now" from Bank Feed Settings or do a manual import from the reconciliation page.

Tip: Bank feeds and manual imports work together. You can use the bank feed for daily automated imports and still do a manual import any time you need transactions immediately — NP Ledger deduplicates across both methods.

Open the AI Help panel and try: - "How do I connect my Mercury account?" - "How do I connect my bank via Teller?" - "Why does my bank connection need re-authentication?" - "When does the automatic sync run?" - "How do I update my API key?" - "Which banks does Teller support?"