The Cash & Credit Manager is where you keep track of every dollar flowing in and out of your bank accounts and credit cards. Connect your bank via Plaid (or enter the numbers manually), import bank statements, watch transactions come in as they clear, and reconcile the bank's records against your general ledger.
The page has four views: Transactions (a historical register of every bank entry), Accounts (your connected bank and credit card accounts), Reconcile (match the bank feed to your books, statement by statement), and Rules (automatic coding rules for recurring transactions — visible to users with the bank-rules permission).
Where to Find Cash & Credit Manager
From the main sidebar, click Finance. In the Finance section tab bar at the top of the page, click Cash & Credit.
Navigation path: Dashboard → Finance → Cash & Credit
The Transactions View
The default landing tab. Shows the complete historical record for whichever bank or credit account you pick.
What you see on this screen
# | Element | What it does |
|---|---|---|
1 | Transactions tab | Historical register of all entries — this screen. |
2 | Accounts tab | Manage connected bank and credit card accounts. |
3 | Reconcile tab | Match bank transactions to your recorded entries and close each statement. See Bank Reconciliation. |
4 | Rules tab | Automatic coding rules for recurring bank transactions (shown when you have the bank-rules permission). |
Under the heading: a Bank Account picker (select which account to view), three balance cards (Current Balance, Available Balance, Last Reconciled), and a grid with columns Date, Check No, Description, Payee, Type, Amount, Status (Pending or Posted), and Reference. Action buttons on the right side: Export (CSV or Excel), Import Statement, and New Transaction.
Recording a manual transaction
Click New Transaction to open a form where you record a check, deposit, card charge, or other entry that didn't come from the bank feed. Pick the account, date, type, amount, and description, then save. The transaction lands in the register.
Importing a bank statement
If an account isn't connected to a live bank feed, you don't have to key transactions in by hand. Click Import Statement to upload a statement export from your bank:
Download a statement file from your online banking — OFX, QFX, or CSV format.
Click Import Statement and choose the file.
For OFX and QFX files, the transactions are read automatically and the button shows how many will be imported. For CSV files, match each of your file's columns to the right target — Date, Description, and Amount are required; Check # and Reference are optional.
Click Import. The transactions land in the register, ready to reconcile.
An imported statements list below the register shows each batch you've brought in. If an import went wrong, you can exclude a batch from reconciliation or delete the batch entirely — deleting removes all of its imported transactions and frees the file to be imported again.
Exporting
Click Export to download the visible transactions as a CSV or Excel file — useful for sending to an external accountant or pasting into a spreadsheet.
The Accounts View
Manage the bank and credit card accounts include GO is tracking. Each account ties to a Chart of Accounts entry and optionally to a Plaid feed for automatic transaction sync.
What you see on this screen
Element | What it does |
|---|---|
Sync Transactions | Pull the latest bank feed from connected Plaid accounts. |
Connect Plaid Account | Link a new account via Plaid's secure sign-in flow. |
Add Bank Account / Add Credit Card | Add an account by hand, without a bank feed. Each button opens its own dedicated form. |
Columns in the accounts grid include: Status (Active / Inactive / Needs Reauthorization), Account Name, Routing Number (masked), Account/Card Number (masked), Last Reconciled, Type, and Current Balance.
Connecting a bank via Plaid
Click Connect Plaid Account.
A Plaid link window opens. Pick your bank, sign in with your online banking credentials, and approve the accounts you want to connect.
include GO reads back a preview of every account at that bank and opens Select Accounts to Import. Each account is listed with its name, type and subtype, last four digits, and current balance.
Tick the accounts you want. Anything already in include GO is flagged Already in GO (or Already in GO — archived) and is left unticked, so you don't create a duplicate. The footer keeps a running count — “3 of 5 selected” — and the button names the number it will bring in, such as Import 3 Accounts.
Click the import button. The accounts appear in the accounts grid, and include GO confirms how many were created and how many were updated. If you decide not to import anything after all, close the window — the preview is discarded and nothing is added.
Once connected, the bank feed syncs automatically and transactions appear in the register. Imported accounts arrive without a GL account attached — use Edit Account (below) to map each one to its Chart of Accounts entry.
Adding an account manually
Bank accounts and credit cards each have their own form, because they need different details. Both open from the buttons at the top right of the Accounts tab.
Add Bank Account
Click Add Bank Account to open the Add New Bank Account form. It has two sections.
Basic Information
Account Description — required. The name your team sees on every account picker in the app, so make it recognizable: “GreenScape Operating”, “Payroll Checking”.
Bank Name — the institution, such as Bank of America.
Account Type — Checking, Savings, or Money Market.
Account Number — shown masked in the accounts grid.
Bank Routing Number — for example 121000358.
General Ledger
GL Account — the asset account the cash balance posts to. Start typing to search your Chart of Accounts. You can leave it blank and set it later.
Only the account description is required, so you can get an account on the books in seconds and fill in the rest later. Click Add Account to save.
Add Credit Card
Click Add Credit Card to open the Add Credit Card form. It asks for less, because a card has no routing number.
Basic Information
Card Name — required, such as “Business Visa” or “Equipment AMEX”.
Issuing Bank — Chase, American Express, and so on.
Last 4 Digits — the last four digits on the card. Shown as ••••1234 in the grid so your team can tell two cards apart at a glance.
General Ledger
Payable GL Account — the liability account the card balance posts to. Searchable, and optional at setup.
Click Add Credit Card to save.
Accounts added this way don't sync on their own — record transactions by hand with New Transaction, or bring them in wholesale with Import Statement on the Transactions tab.
Editing an account
Right-click any row in the accounts grid to reach the account actions. Which edit action you get depends on the row:
Edit Account — on bank account rows. Reopens the bank account form with everything filled in, so you can correct the description, bank, account type, account or routing number, or attach the GL account.
Edit Credit Card — on credit card rows. Reopens the credit card form with the card name, issuing bank, last four digits, and payable GL account.
The form takes a moment to load the account's full details before Save Changes becomes available. That is deliberate — it means saving can never blank out a detail the grid doesn't display, such as a card mask or currency that Plaid set. Editing is available to users who can manage accounts, and only on active accounts; a removed account offers Restore Account instead.
The same right-click menu also carries Sync Balance, View History, and Remove Account.
Syncing balances and viewing history
For a connected account, use Sync Balance to refresh its current and available balances from the bank on demand. Choose View History on an account to open the Balance History panel — a dated log of every balance snapshot (current balance, available balance, when it was synced, and where the figure came from), which is handy when you need to know what the bank said the balance was on a given day.
The Reconcile View
Reconciling is how you prove your books agree with the bank, one statement at a time. On the Reconcile tab you pick an account, start a reconciliation for a statement period (entering the statement date and ending balance), and then match bank transactions against your general ledger entries side by side until the difference reaches zero.
The workspace gives you automatic matching, one-click allocation of bank entries that aren't in your books yet, exclusions for items that don't belong, and a full reconciliation report when you're done. Credit card accounts get their own charge-coding workspace.
In the credit card Code Charges workspace you can code more than one charge at a time. Tick several charges, then use Allocate Selected — both the button and the right-click action name the number of charges they will code — and give them all one vendor and GL account in a single pass. Handy for a month of fuel stops or a repeating subscription. Charges that are already coded are skipped automatically, and Match to PO stays a one-charge action, since a charge matches a single purchase order. You can also right-click a merchant group and choose Allocate All in Group to code everything under it at once.
The complete workflow — starting, matching, allocating, excluding, completing, and undoing a reconciliation — is covered step by step in Bank Reconciliation.
The Rules Tab
The Rules tab holds your bank rules — patterns that recognize recurring bank transactions (a monthly bank fee, a fuel vendor, a software subscription) and code them to the right GL account automatically. Each rule shows its name, source (Manual rules you created, or Learned rules the system built from allocations you made while reconciling), direction, GL account, apply mode, priority, and active status.
Click Add rule to create one. Rules do their work during reconciliation — see Bank Reconciliation for how to build rules and apply them.
How Cash & Credit Manager Connects to the Rest of the App
Chart of Accounts — Every account here maps to a GL asset or liability account.
AR Invoices & Payments — Customer payments deposit here when collected through the app.
Purchase Orders & Vendor Bills — Outgoing payments show as debits from your operating account.
Payroll Batches — Payroll check runs hit the payroll bank account.
General Ledger — Reconciliation matches bank entries against posted GL lines, and allocations create GL entries.
Plaid — The link between include GO and your bank for automatic transaction sync.
Who Can Access This Page?
Users need the Finance / Cash & Credit permission to view this page. Beyond that, individual capabilities are gated separately: seeing the Rules tab, managing bank rules, matching transactions during reconciliation, completing or undoing a reconciliation, and managing imported statements each have their own permission. By default these belong to Super Admin and Accountant roles.
Tips & Best Practices
Connect Plaid early in setup. Manual entry is tedious and error-prone. If your bank supports Plaid, link it on day one. If it doesn't, statement imports are the next best thing.
Reconcile every statement. A monthly rhythm keeps the difference small and errors fresh. Skipped months compound.
Name accounts clearly. "Operating Checking - Frost Bank" beats "Checking 1". Use names your team will recognize on a dropdown.
Set a reconcile lock date after close. Prevents someone accidentally editing a cleared transaction from a closed period.
Let rules do the coding. If you allocate the same vendor to the same account every month, create a bank rule (or let the system learn one) and stop doing it by hand.
Don't delete synced transactions. They came from the bank — the fix belongs in the GL, not in the register. Add a correcting entry instead.
Common Questions
What's the difference between Current Balance and Available Balance? Current Balance includes all transactions your bank has recorded; Available Balance subtracts pending holds. They're typically the same overnight but diverge during the business day.
What if Plaid disconnects? Go to the Accounts tab and click Connect Plaid Account to re-authorize. Plaid sessions can expire when you change your banking password or on schedule; reconnecting is painless.
Can I manually correct a synced transaction? You can edit the description, payee, and cleared status — but not the amount or date (those come from the bank). If the bank amount is wrong, contact the bank.
What does "Last Reconciled: Never" mean? The account has never been reconciled. Start with one reconciliation against your most recent statement to establish a baseline — see Bank Reconciliation.
Can I reconcile a credit card? Yes — credit card accounts reconcile through a charge-coding workspace where each charge is coded to a vendor and GL account (or matched to a purchase order). The details are in Bank Reconciliation.
My account has no bank feed. Am I stuck typing everything in? No — use Import Statement on the Transactions tab to upload an OFX, QFX, or CSV export from your online banking.
Related Topics
Bank Reconciliation — The full reconcile workflow, statement by statement
Chart of Accounts — The accounts bank feeds map to
GL Entries & Transactions — The master journal where everything rolls up
AR Invoices — Customer payments deposit into accounts here
Payments — Credit-card / ACH processor that routes client payments
Roles & Permissions — Control who can connect, sync, and reconcile